International Bancshares Statistics

Total Valuation

IBOC has a market cap or net worth of $4.84 billion. The enterprise value is $4.98 billion.

Market Cap	4.84B
Enterprise Value	4.98B

Important Dates

The next estimated earnings date is Thursday, August 6, 2026.

Earnings Date	Aug 6, 2026
Ex-Dividend Date	Feb 13, 2026

Share Statistics

IBOC has 62.18 million shares outstanding. The number of shares has decreased by -0.10% in one year.

Current Share Class	62.18M
Shares Outstanding	62.18M
Shares Change (YoY)	-0.10%
Shares Change (QoQ)	+0.01%
Owned by Insiders (%)	9.64%
Owned by Institutions (%)	74.21%
Float	56.16M

Valuation Ratios

The trailing PE ratio is 11.61 and the forward PE ratio is 11.97.

PE Ratio	11.61
Forward PE	11.97
PS Ratio	5.78
Forward PS	n/a
PB Ratio	1.47
P/TBV Ratio	1.61
P/FCF Ratio	10.61
P/OCF Ratio	10.27
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	11.92
EV / Sales	5.94
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	10.92

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.59
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.51%.

Return on Equity (ROE)	13.51%
Return on Assets (ROA)	2.52%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	7.05%
Revenue Per Employee	$361,199
Profits Per Employee	$180,072
Employee Count	2,319
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, IBOC has paid $111.04 million in taxes.

Income Tax	111.04M
Effective Tax Rate	21.01%

Stock Price Statistics

The stock price has increased by +19.10% in the last 52 weeks. The beta is 0.70, so IBOC's price volatility has been lower than the market average.

Beta (5Y)	0.70
52-Week Price Change	+19.10%
50-Day Moving Average	72.94
200-Day Moving Average	69.77
Relative Strength Index (RSI)	66.94
Average Volume (20 Days)	454,893

Short Selling Information

The latest short interest is 1.51 million, so 2.43% of the outstanding shares have been sold short.

Short Interest	1.51M
Short Previous Month	1.60M
Short % of Shares Out	2.43%
Short % of Float	2.69%
Short Ratio (days to cover)	5.40

Income Statement

In the last 12 months, IBOC had revenue of $837.62 million and earned $417.59 million in profits. Earnings per share was $6.70.

Revenue	837.62M
Gross Profit	837.62M
Operating Income	538.01M
Pretax Income	528.63M
Net Income	417.59M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.70

Full Income Statement

Balance Sheet

The company has $585.94 million in cash and $724.00 million in debt, giving a net cash position of -$138.06 million or -$2.22 per share.

Cash & Cash Equivalents	585.94M
Total Debt	724.00M
Net Cash	-138.06M
Net Cash Per Share	-$2.22
Equity (Book Value)	3.29B
Book Value Per Share	52.88
Working Capital	-12.68B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $471.32 million and capital expenditures -$15.43 million, giving a free cash flow of $455.90 million.

Operating Cash Flow	471.32M
Capital Expenditures	-15.43M
Depreciation & Amortization	n/a
Net Borrowing	-5.31M
Free Cash Flow	455.90M
FCF Per Share	$7.33

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	64.23%
Pretax Margin	63.11%
Profit Margin	49.85%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	54.43%

Dividends & Yields

This stock pays an annual dividend of $1.46, which amounts to a dividend yield of 1.88%.

Dividend Per Share	$1.46
Dividend Yield	1.88%
Dividend Growth (YoY)	5.15%
Years of Dividend Growth	16
Payout Ratio	21.34%
Buyback Yield	0.10%
Shareholder Yield	1.98%
Earnings Yield	8.63%
FCF Yield	9.42%

Dividend Details

Analyst Forecast

The average price target for IBOC is $87.00, which is 11.80% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$87.00
Price Target Difference	11.80%
Analyst Consensus	Strong Buy
Analyst Count	1
Revenue Growth Forecast (3Y)	n/a
EPS Growth Forecast (3Y)	n/a

Stock Splits

The last stock split was on May 17, 2007. It was a forward split with a ratio of 1.1:1.

Last Split Date	May 17, 2007
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4