International Bancshares (IBOC) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), International Bancshares had a P/E ratio of 10.02 (up from 9.60), return on equity of 13.6% (down from 15.6%), debt-to-equity of 0.22 (down from 0.23) and return on assets of 2.5% (down from 2.7%). Its dividend yield was 2.11% with a payout ratio of 21.1%.

International Bancshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	10.02	9.60	8.19	9.47	10.58	14.16
Forward P/E	9.96	15.36	15.36	15.36	15.36	15.36
P/S Ratio	4.99	4.90	4.22	4.35	4.59	4.80
P/B Ratio	1.27	1.41	1.38	1.39	1.16	1.09
Price/Tangible Book	1.39	1.56	1.56	1.61	1.33	1.25
Price/FCF	8.73	8.54	7.54	7.71	9.55	7.94
Price/OCF	8.41	8.29	7.11	7.33	9.21	7.76
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	13.63%	15.60%	18.33%	13.79%	11.32%	7.79%
Return on Assets (ROA)	2.55%	2.66%	2.69%	1.90%	1.69%	1.28%
Leverage & Solvency Ratios
Debt/Equity	0.22	0.23	0.27	0.28	0.44	0.46
Debt/FCF	1.51	1.42	1.45	1.56	3.59	3.35
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	9.98%	10.42%	12.22%	10.56%	9.45%	7.06%
FCF Yield	11.45%	11.70%	13.26%	12.97%	10.47%	12.60%
Dividend Yield	2.11%	2.09%	2.32%	2.62%	2.71%	3.37%
Payout Ratio	21.12%	20.06%	19.00%	25.11%	28.69%	41.79%
Buyback Yield	0.07%	-0.12%	0.94%	1.07%	0.57%	2.79%
Total Return	2.17%	1.97%	3.26%	3.69%	3.29%	6.16%

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 Ratios

What is International Bancshares's P/E ratio?

International Bancshares's P/E ratio was 10.02 for fiscal 2025 (period ended Dec 31, 2025). It was 9.60 a year earlier.

What is International Bancshares's return on equity?

International Bancshares's return on equity (ROE) was 13.6% for fiscal 2025 (period ended Dec 31, 2025). It was 15.6% a year earlier.

What is International Bancshares's debt-to-equity ratio?

International Bancshares's debt-to-equity ratio was 0.22 for fiscal 2025 (period ended Dec 31, 2025). It was 0.23 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition