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International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
International Bancshares Corporation is a Texas-based bank holding company operating IBC Bank and offering commercial and consumer banking, wealth management and mortgage services primarily in South and West Texas and nearby markets. It appears positioned to benefit from regional economic and cross-border trade, loan and deposit growth, and potential net interest margin expansion when rates are favorable, which may support earnings over the long term.
Material risks include geographic concentration in Texas and border markets, credit exposure to commercial real estate and energy sectors, competition for deposits and loans, and sensitivity to interest-rate and regulatory shifts.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 520.36M | 508.72M | 523.51M | 382.64M | 322.33M |
| Net income | 412.29M | 409.17M | 411.77M | 300.23M | 253.92M |
| Selling general administrative | 183.05M | 152.81M | 140.73M | 134.71M | 127.87M |
| Selling and marketing expenses | 5.31M | 6.29M | 5.01M | 4.59M | 4.04M |
| Gross profit | 824.69M | 801.84M | 798.87M | 674.76M | 593.60M |
| Reconciled depreciation | 23.35M | 22.52M | 21.94M | 21.82M | 25.03M |
| Ebit | 520.36M | 508.72M | 523.51M | 420.80M | 322.33M |
| Ebitda | 543.71M | 531.24M | 545.46M | 442.62M | 347.36M |
| Depreciation and amortization | 23.35M | 22.52M | 21.94M | 21.82M | 25.03M |
| Operating income | 520.36M | 508.72M | 523.51M | 420.80M | 322.33M |
| Other operating expenses | 533.27M | 534.18M | 446.59M | -253.96M | -271.27M |
| Interest expense | 213.85M | 209.26M | 136.66M | 38.16M | 26.83M |
| Tax provision | 108.07M | 99.55M | 111.74M | 82.41M | 68.41M |
| Interest income | 886.27M | 865.98M | 800.16M | 525.78M | 398.10M |
| Net interest income | 672.42M | 656.72M | 663.50M | 487.62M | 371.27M |
| Income tax expense | 108.07M | 99.55M | 111.74M | 82.41M | 68.41M |
| Total revenue | 1053.63M | 1042.90M | 970.10M | 674.76M | 593.60M |
| Total operating expenses | 304.33M | 293.12M | 275.35M | -253.96M | -271.27M |
| Cost of revenue | 228.94M | 241.06M | 171.24M | - | - |
| Total other income expense net | -58.82M | 508.72M | -2.30M | -38.16M | -26.83M |
| Net income from continuing ops | 412.29M | 409.17M | 411.77M | 300.23M | 253.92M |
| Net income applicable to common shares | - | - | - | 300.23M | 253.92M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 16679.65M | 15738.85M | 15156.93M | 15501.48M | 16046.24M |
| Other current assets | - | -72.17M | 743.32M | 45.79M | 3342.59M |
| Total liab | 13428.01M | 12942.15M | 12709.16M | 13456.72M | 570.78M |
| Total stockholder equity | 3251.64M | 2796.71M | 2447.77M | 2044.76M | 2308.48M |
| Other current liab | - | 12111.84M | 7332.76M | 12660.01M | 12617.88M |
| Common stock | 96.66M | 96.62M | 96.47M | 96.42M | 96.35M |
| Capital stock | 96.66M | 96.62M | 96.47M | 96.42M | 96.35M |
| Retained earnings | 3681.41M | 3356.18M | 3029.09M | 2695.57M | 2470.71M |
| Other liab | - | - | - | 219.93M | 109.43M |
| Good will | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M |
| Other assets | - | 15738.85M | 0.00M | 3450.56M | 3342.59M |
| Cash | 536.49M | 352.65M | 651.06M | 2087.72M | 3209.24M |
| Total current liabilities | 585.54M | 12647.17M | 7863.18M | 12660.01M | 12617.88M |
| Net debt | 168.26M | 302.08M | -1.03M | -1942.14M | -2638.46M |
| Short term debt | 585.54M | 535.32M | 530.42M | - | - |
| Short long term debt total | 704.74M | 654.73M | 650.03M | 145.59M | 570.78M |
| Other stockholder equity | -280.11M | -277.03M | -279.89M | -276.73M | -226.60M |
| Property plant equipment | - | - | - | 431.61M | 447.08M |
| Total current assets | 608.92M | 5412.74M | 743.32M | 6551.31M | 7453.76M |
| Long term investments | 5424.57M | 5354.44M | 5174.61M | 358.91M | 296.88M |
| Net tangible assets | - | - | - | 1762.23M | 2025.95M |
| Short term investments | 4833.66M | 4987.92M | 4822.34M | 4417.80M | 4213.92M |
| Net receivables | 72.43M | 72.17M | 65.30M | 45.79M | 30.59M |
| Long term debt | 119.20M | 119.41M | 119.61M | 134.64M | 134.64M |
| Inventory | - | - | -5538.70M | 34.78M | 40.13M |
| Accounts payable | - | - | - | 12660.01M | 12617.88M |
| Accumulated other comprehensive income | -246.32M | -379.05M | -397.89M | -470.50M | -31.98M |
| Common stock total equity | - | - | - | 96.42M | 96.35M |
| Retained earnings total equity | - | - | - | 2695.57M | 2470.71M |
| Non currrent assets other | 505.76M | 595.54M | 13204.23M | -5499.61M | -5249.90M |
| Non current assets total | 16070.73M | 10326.11M | 14413.61M | 5499.61M | 5249.90M |
| Long term debt total | - | - | - | 134.64M | 134.64M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 60.22M | -985.06M | -1067.21M | -995.28M | -925.22M |
| Change to liabilities | - | - | - | 42.02M | -5.52M |
| Total cashflows from investing activities | -591.69M | -985.06M | -1067.21M | -992.03M | -915.89M |
| Net borrowings | -0.21M | -0.20M | -25.97M | -433.68M | 11.34M |
| Total cash from financing activities | 284.47M | 212.71M | -843.89M | -517.43M | 1836.21M |
| Change to operating activities | - | - | - | 54.99M | 19.70M |
| Net income | 412.29M | 409.17M | 411.77M | 300.23M | 253.92M |
| Change in cash | 183.83M | -298.41M | -1436.67M | -1121.52M | 1212.00M |
| Begin period cash flow | 352.65M | 651.06M | 2087.72M | 3209.24M | 1997.24M |
| End period cash flow | 536.49M | 352.65M | 651.06M | 2087.72M | 3209.24M |
| Total cash from operating activities | 491.06M | 473.95M | 474.43M | 387.94M | 291.68M |
| Issuance of capital stock | 1.47M | 3.76M | 1.17M | 1.54M | 2.41M |
| Depreciation | 23.35M | 22.52M | 21.94M | 21.82M | 25.03M |
| Other cashflows from investing activities | -633.79M | -777.84M | -611.64M | 22.46M | 19.72M |
| Dividends paid | 87.06M | 82.08M | 78.25M | -75.38M | -72.84M |
| Change to account receivables | -0.26M | -6.87M | -19.52M | -15.19M | 7.29M |
| Sale purchase of stock | -4.61M | -0.96M | -4.61M | -52.05M | -0.72M |
| Other cashflows from financing activities | 374.88M | 292.20M | -736.23M | 33.65M | 1907.54M |
| Change to netincome | - | - | - | 11.62M | -52.73M |
| Capital expenditures | 18.12M | 14.15M | 27.50M | 19.21M | 10.39M |
| Change receivables | - | - | - | -15.19M | 7.29M |
| Cash flows other operating | - | - | - | 15.32M | 28.01M |
| Cash and cash equivalents changes | - | - | - | -1121.52M | 1212.00M |
| Change in working capital | 30.11M | 26.07M | -16.05M | 39.80M | 26.99M |
| Stock based compensation | 0.10M | 0.21M | 0.33M | 0.45M | 0.51M |
| Other non cash items | 11.14M | 27.43M | 33.49M | 15.02M | -18.31M |
| Free cash flow | 472.94M | 459.80M | 446.94M | 368.73M | 281.29M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| IBOC International Bancshares Corporation |
-0.60 0.88% |
67.42 | 10.80 | 9.81 | 5.31 | 1.32 | 5.33 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
1200 San Bernardo Avenue, Laredo, TX, United States, 78042-1359
956 722 7611
2126
| Name | Title | Year Born |
|---|---|---|
| Mr. Dennis Edward Nixon | Chairman & Pres | 1943 |
| Ms. Judith I. Wawroski | Chief Accounting Officer, Principal Financial Officer & Treasurer | 1975 |
| Ms. Rosa Eliza V. Gonzalez | Exec. VP of Corp. Divisions | NA |
| Ms. Marisa V. Santos | Corp. Sec. | NA |
| Mr. Mike K. Sohn | CEO & Pres of International Bank of Commerce - San Antonio | NA |
| Mr. Derek Schmidt | CEO & Pres of International Bank of Commerce - Port Lavaca, Bay City | NA |
| Mr. Robert B. Barnes | CEO & Pres of Intl. Bank of Commerce - Austin | NA |
| Mr. Ignacio Urrabazo Jr. | CEO & Pres of Commerce Bank ? Laredo | NA |
| Mr. Hector J. Cerna | CEO & Pres of International Bank of Commerce - Eagle Pass | NA |
| Mr. Jay Rogers | Pres & CEO of International Bank of Commerce - Houston, Texas | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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Basic Materials
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