International Bancshares (IBOC) Financial Statements & Analysis

International Bancshares (IBOC) Income Statement

International Bancshares reported revenue of $842.17M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 1.0% from $833.64M a year earlier. Net income was $412.29M, up 0.8% year over year, a net margin of 49.0%. Gross margin was 97.9% and operating margin 61.8%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $214.82M, up 5.4% from the same quarter a year earlier.

International Bancshares Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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International Bancshares Corporation income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	842.17	833.64	833.44	653.11	620.43	577.59	647.23	630.86	565.54
Cost of Revenue	228.94	241.07	171.24	59.81	34.79	84.50	77.47	58.78	50.15
Gross Profit	824.69	801.84	798.87	653.11	585.64	493.09	569.76	572.08	515.39
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	165.80	159.10	145.74	56.81	131.91	136.19	155.09	149.97	143.90
Operating Expenses	304.33	293.12	275.35	270.47	263.32	281.33	309.80	299.50	293.75
Operating Income	520.36	508.72	523.51	382.64	322.33	211.76	259.95	272.58	221.64
Other Income/Expense
Interest Income	886.27	865.98	800.16	525.78	398.10	427.01	492.40	465.82	415.14
Interest Expense	213.85	209.26	136.66	38.16	26.83	39.12	58.63	52.67	38.93
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	520.36	508.72	523.51	382.64	322.33	211.76	259.95	272.58	221.64
Income Tax Expense	108.07	99.55	111.74	82.41	68.41	44.44	54.85	56.65	64.21
Net Income	412.29	409.17	411.77	300.23	253.92	167.32	205.10	215.93	157.44
Net Income - Continuous Operations	412.29	409.17	411.77	300.23	253.92	167.32	205.10	215.93	157.44
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	27.82	28.08	545.46	35.73	347.36	240.08	288.22	298.46	246.95
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	23.35	22.52	21.94	21.82	25.03	28.32	28.27	25.87	25.31
Earnings Per Share
Basic EPS	7.00	7.00	7.00	5.00	4.00	3.00	3.00	3.00	2.00
Diluted EPS	7.00	7.00	7.00	5.00	4.00	3.00	3.00	3.00	2.00
Basic Shares Outstanding	62.17	62.18	62.08	62.66	63.35	63.73	65.48	66.11	66.05
Diluted Shares Outstanding	62.26	62.30	62.22	62.81	63.49	63.85	65.69	66.63	66.78

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About International Bancshares Financial Statements

What was International Bancshares's revenue in fiscal 2025?

International Bancshares reported revenue of $842.17M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 1.0% from $833.64M a year earlier.

Is International Bancshares profitable?

Yes. International Bancshares earned net income of $412.29M in fiscal 2025, a net margin of 49.0%. In fiscal 2024 it earned $409.17M.

What is International Bancshares's operating margin?

International Bancshares's operating income was $520.36M on revenue of $842.17M in fiscal 2025, an operating margin of 61.8%, compared with 61.0% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition