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Companies / Financials / International Bancshares Corporation
IBOC

International Bancshares Corporation

FinancialsBanks & Brokers
Ticker IBOCLAREDO, TXFiscal year ends DecemberBook value per share $53.64Diluted shares 62.3M

International Bancshares Corporation (Nasdaq: IBOC) is a multibank financial holding company providing commercial and retail banking services through five wholly owned subsidiary banks in Texas and Oklahoma. Its banks accept checking and savings deposits and make commercial, real estate, personal, mortgage, automobile… From the company’s description.

Over the twelve months to Sep 30, 2026, International Bancshares Corporation reported revenue of $869.88M, up 4.5% from a year earlier, and net income of $419.36M. Its pre-tax margin was 61.1%. In fiscal 2025, it reported revenue of $842.17M, up 1.0% from fiscal 2024, and net income of $412.29M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$842.17MFY2025
+1.0% year over year
Last 12 mo $869.88M
61.79%FY2025
+0.8 percentage points
Last 12 mo 61.15%
$412.29MFY2025
+0.8% year over year
Last 12 mo $419.36M
12.68%FY2025
−2 percentage points
Last 12 mo 12.56%
Cash & financing
$491.06MFY2025
+3.6% year over year
Last 12 mo $481.62M
$472.94MFY2025
+2.9% year over year
Last 12 mo $463.71M
3.82FY2025
Was 4.33× a year earlier
Last 12 mo 3.86
62.3MFY2025
−0.1% year over year
Last 12 mo 62.3M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What International Bancshares Corporation does

In the company’s own words

International Bancshares Corporation (Nasdaq: IBOC) is a multibank financial holding company providing commercial and retail banking services through five wholly owned subsidiary banks in Texas and Oklahoma. Its banks accept checking and savings deposits and make commercial, real estate, personal, mortgage, automobile and other loans, while also offering services such as credit cards, foreign exchange, letters of credit and online and mobile banking. Customers include small and medium-sized businesses, consumers, and businesses and individuals engaged in cross-border activity, particularly along the U.S.-Mexico border. The company also has interests in investment banking, merchant banking and real estate development. Its subsidiary banks operate 166 facilities and 247 ATMs across 75 communities in Texas and Oklahoma, and the company and its banks employed approximately 2,126 full-time and 193 part-time staff at December 31, 2025. The company’s banking operations are conducted through International Bank of Commerce and related local bank subsidiaries. Its website is www.ibc.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
LAREDO, TX
Fiscal year end
December
CIK
315709
SIC
6022

Financial performance, year by year

Fiscal 2011–2025 · USD
$-86.99M$173.98M$434.94M$695.91M$956.87M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns International Bancshares Corporation — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

335
funds hold it
0 of 35
superinvestors hold it
$1.83B
held by funds, at market
39.6%
of shares held by funds

Largest fund holders · International Bancshares Corporation’s weight in each

iShares Core S&P Mid-Cap ETF
IJH · iShares Trust
0.11%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.01%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.13%of fund net assets
VANGUARD SMALL-CAP INDEX FUND
VB · VANGUARD INDEX FUNDS
0.05%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do International Bancshares Corporation and its peers compare on margins and cash generation over ten years?”
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