International Bancshares Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $827.1M+3.1% YoYTTM through 30 Jun 2026
Net Income $413.3M+1.0% YoYTTM through 30 Jun 2026
Free Cash Flow $452.8MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 62.9% |
| Net Margin | 49.8% |
Returns
13.6%ROE
2.6%ROA
11.4%ROIC
Balance Sheet Health
Debt / Equity0.22x
Net Debt$168.3M
Cash & Equivalents$451.2M
Quality Metrics
Piotroski F-Score4 / 9
FCF Margin54.7%
Earnings-Beat Rate50.0%
Multi-Year Trend
Diluted EPS$6.64TTMFY2025: $6.62
Dividend
$0.73Per share, FY20261.05%Yield-8.7%5-yr growth
Capital Allocation
Capex Intensity2.1%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Net Interest Income | $672.4M | +2.4% | View detailsSubject to interest rate fluctuations and deposit pricing competition. |
| Non-Interest Income | $169.8M | -4.1% | View detailsExpected to remain stable with focus on customer retention and transaction volume. |
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