International Bancshares Corporation logo IBOC - International Bancshares Corporation

Price: -- -- | CONSENSUS: Buy DETAILS
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| PRICE TARGET: $85.00 DETAILS
HIGH: $85.00
LOW: $85.00
MEDIAN: $85.00
CONSENSUS: $85.00
UPSIDE: 16.79%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue
Revenue 1,053.6 1,042.9 970.1 712.9 620.4 577.6 647.2 630.9 565.5 549.6 552.5 571.9 552.8 576.2 619.6 677.6 728.4 754.4 808.9 786.0 675.9 487.2 445.3 439.6 469.9 479.1 401.7 367.9 312.6 144.2 143.5
Cost of Revenue 228.9 241.1 171.2 59.8 34.8 84.5 77.5 58.8 50.2 63.0 68.7 61.0 77.6 102.5 111.6 136.8 198.6 251.5 331.6 323.4 207.8 115.1 103.0 125.0 209.4 258.6 191.6 190.5 153.1 114.0 117.5
Gross Profit 824.7 801.8 798.9 653.1 585.6 493.1 569.8 572.1 515.4 486.6 483.8 511.0 475.2 473.8 508.0 540.7 529.8 502.9 477.4 462.6 469.1 372.1 342.3 314.6 260.5 220.5 210.1 177.4 159.5 30.2 26.0
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 188.4 159.1 145.7 139.3 131.9 136.2 155.1 150.0 143.9 142.3 138.7 135.3 133.6 132.8 140.9 145.4 150.2 143.3 142.4 136.4 124.2 93.7 79.9 71.9 59.0 47.9 42.9 39.7 33.4 28.9 25.7
Other Expenses 116.0 134.0 129.6 131.2 131.4 145.1 154.7 149.5 149.8 147.4 138.3 145.7 159.0 182.6 175.9 194.3 158.8 157.9 157.9 152.3 131.8 101.5 79.9 82.9 76.5 64.1 64.1 59.4 52.4 (63.2) (58.1)
Operating Expenses 304.3 293.1 275.4 270.5 263.3 281.3 309.8 299.5 293.7 289.6 276.9 281.0 292.6 315.4 316.8 339.7 309.0 301.2 300.3 288.7 256.0 195.2 159.8 154.8 135.4 112.0 107.0 99.1 85.8 (34.3) (32.4)
Operating Income
Operating Income 520.4 508.7 523.5 382.6 322.3 211.8 260.0 272.6 221.6 197.0 206.8 229.9 182.6 158.4 191.2 201.0 220.7 201.6 177.1 173.9 212.1 176.9 182.6 159.8 125.1 108.6 103.1 78.3 73.7 64.5 58.4
Interest Expense 213.9 209.3 136.7 38.2 26.8 39.1 58.6 52.7 38.9 43.1 44.3 46.5 54.6 74.5 94.3 114.0 139.8 231.7 333.3 319.6 206.8 108.6 94.7 116.4 200.8 251.8 185.2 181.9 145.4 107.4 112.4
Interest Income 886.3 866.0 800.2 525.8 398.1 427.0 492.4 465.8 415.1 387.9 396.8 393.6 363.2 375.6 418.1 458.8 527.4 564.6 643.6 609.1 508.7 352.4 318.1 353.9 390.4 421.6 340.7 326.2 275.8 221.8 218.9
Profitability
EBITDA 543.7 531.2 545.5 404.5 347.4 240.1 288.2 298.5 246.9 221.9 232.5 256.3 213.2 189.8 231.5 241.7 262.2 244.4 216.5 214.5 271.7 230.5 236.1 197.3 156.5 132.9 129.2 102.9 90.6 71.5 63.9
EBIT 520.4 508.7 523.5 382.6 322.3 211.8 260.0 272.6 221.6 197.0 206.8 229.9 182.6 158.4 191.2 201.0 220.7 201.6 177.1 173.9 212.1 176.9 182.6 159.8 125.1 108.6 103.1 78.3 73.7 64.5 58.4
Income Before Tax 520.4 508.7 523.5 382.6 322.3 211.8 260.0 272.6 221.6 197.0 206.8 229.9 182.6 158.4 191.2 201.0 220.7 201.6 177.1 173.9 212.1 176.9 182.6 159.8 125.1 108.6 103.1 78.3 73.7 64.5 58.4
Income Tax Expense 108.1 99.6 111.7 82.4 68.4 44.4 54.9 56.7 64.2 63.1 70.1 76.8 56.2 50.6 64.1 71.0 78.0 69.5 55.8 56.9 71.4 57.9 60.4 54.0 41.7 33.4 36.9 24.6 24.8 20.2 18.3
Net Income 412.3 409.2 411.8 300.2 253.9 167.3 205.1 215.9 157.4 133.9 136.7 153.2 126.4 107.8 127.1 130.0 142.7 132.1 121.3 117.0 140.8 119.0 122.1 100.6 83.3 75.2 66.2 53.7 48.9 44.4 40.1
Per Share Data
EPS (Basic) 6.63 6.58 6.63 4.79 4.01 2.63 3.13 3.27 2.38 2.03 2.06 2.29 1.88 1.39 1.69 1.72 1.90 1.93 1.76 1.68 2.01 1.75 1.84 1.47 1.17 1.05 0.90 0.79 0.73 0.59 0.71
EPS (Diluted) 6.62 6.57 6.62 4.78 4.00 2.62 3.12 3.24 2.36 2.02 2.05 2.28 1.88 1.39 1.69 1.72 1.90 1.92 1.75 1.67 1.98 1.71 1.80 1.43 1.15 1.03 0.89 0.77 0.70 0.59 0.71
Shares Outstanding 62.3 62.2 62.1 62.7 63.4 63.7 65.5 66.1 66.0 66.0 66.4 66.9 67.2 67.2 67.5 67.9 68.4 68.6 69.0 69.4 70.0 68.3 66.5 68.7 71.1 71.9 73.3 68.3 66.8 74.7 56.5
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Current Assets
Cash & Cash Equivalents 536.5 352.7 651.1 2,087.7 3,209.2 1,997.2 256.8 316.8 265.4 269.2 224.6 299.1 175.2 152.3 154.3 178.4 128.1 123.6 122 239.4 172.0 123.8
Short-Term Investments 0 4,987.9 4,822.3 4,417.8 4,213.9 3,080.8 3,378.9 3,411.3 4,152.1 4,177.3 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 72.4 72.2 65.3 45.8 30.6 37.9 36.6 36.8 34.5 32.2 41.7 48.7 41.1 28.9 35.2 33.9 40.2 34.8 31.5 31.3 22.9 22.2
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 608.9 5,412.7 5,538.7 6,551.3 7,453.8 5,115.9 3,672.4 3,764.9 4,424.0 4,478.7 266.4 347.8 216.3 181.2 189.5 212.2 168.3 158.4 153.5 270.7 194.9 146.0
Non-Current Assets
Property, Plant & Equipment 423.0 428.2 437.1 431.6 447.1 479.9 506.6 506.9 514.5 527.6 490.4 466.4 302.2 220.6 185.5 190.1 155.5 145.3 137.6 129.6 94.2 80.4
Goodwill 282.5 282.5 282.5 282.5 282.5 282.5 282.5 282.5 282.5 282.5 282.5 282.5 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0 0 0 0 0 0 0 0 0.0 22.4 27.4 333.7 73.3 74.6 97.3 55.6 34.8 45 0 0 0
Long-Term Investments 14,745.5 9,019.8 8,254.2 7,672.3 7,405.1 7,696.7 7,161.6 6,844.5 6,604.8 6,419.6 10,577.8 11,261.6 8,684.8 5,741.9 5,798.1 5,597.7 5,311.3 4,872.5 4,597.7 4,003.7 2,974.5 2,649.8
Other Non-Current Assets 505.8 595.5 553.7 563.7 457.7 454.5 489.8 473.0 359.0 95.6 123.1 53.6 384.5 361.3 247.9 284.1 170.0 202 54.1 113.8 87.6 59.4
Total Non-Current Assets 16,070.7 10,326.1 9,527.5 8,950.2 8,592.5 8,913.6 8,440.5 8,107.0 7,760.7 7,325.3 11,496.2 12,091.5 9,705.2 6,397.1 6,306.1 6,169.2 5,692.5 5,263.4 4,834.4 4,247.1 3,156.3 2,789.6
Total Assets 16,679.7 15,738.9 15,066.2 15,501.5 16,046.2 14,029.5 12,112.9 11,872.0 12,184.7 11,804.0 11,762.5 12,439.3 9,918.0 6,578.3 6,495.6 6,381.4 5,860.7 5,421.8 4,987.9 4,517.8 3,351.2 2,935.6
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 585.5 535.3 530.4 431.2 439.7 428.1 236.5 230.0 353.8 505.0 1,441.8 1,441.1 619.8 501.3 457.9 714.7 1,662.6 1,503.8 135.7 478.4 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 12,111.8 11,824.6 12,660.0 12,617.9 10,721.9 8,826.0 8,696.5 8,544.9 8,610.1 7,178.0 6,858.8 6,571.1 4,435.7 4,239.9 4,332.8 3,744.6 3,527.2 3,369.6 3,175.6 2,662.2 2,143.3
Total Current Liabilities 585.5 12,647.2 12,355.0 13,091.2 13,057.5 11,150.0 9,062.6 8,926.5 8,898.7 9,115.1 8,619.8 8,299.9 7,190.9 4,937.0 4,697.8 5,047.5 5,407.2 5,031 3,505.3 3,654 2,662.2 2,143.3
Non-Current Liabilities
Long-Term Debt 119.2 119.4 119.6 145.6 570.8 571.0 761.2 866.1 1,355.6 893.8 1,548.7 2,724.0 1,905.6 1,017.5 1,185.9 777.3 0 1,380 1,074 490 239 66.5
Deferred Tax Liabilities 103.3 0 0 0 0 0 0 0 36.8 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 12,620.0 175.6 143.8 219.9 109.4 130.5 171.1 139.8 91.4 70.5 186.5 158.1 71.9 46.4 64.7 59.6 36.6 (1,342.6) 38.3 32.6 166.3 480.0
Total Non-Current Liabilities 12,842.5 295.0 263.4 365.5 680.2 701.5 932.3 1,005.8 1,447.0 964.3 1,735.2 2,882.1 1,977.5 1,063.9 1,250.6 836.9 36.6 37.4 1,112.3 522.6 405.3 546.5
Total Liabilities 13,428.0 12,942.1 12,618.4 13,456.7 13,737.8 11,851.5 9,994.8 9,932.4 10,345.7 10,079.4 10,355.1 11,182.0 9,164.9 6,000.9 5,948.4 5,884.4 5,443.8 5,068.4 4,617.6 4,176.6 3,067.5 2,689.8
Stockholders' Equity
Common Stock 96.7 96.6 96.5 96.4 96.4 96.2 96.2 96.1 96.0 95.9 95.7 95.5 68.4 52.8 41.8 33.2 26.5 21.1 0 0 10.4 8.2
Retained Earnings 3,681.4 3,356.2 3,029.1 2,695.6 2,470.7 2,289.6 2,200.6 2,064.1 1,891.8 1,778.0 1,122.3 1,016.0 705.6 639.6 560.6 490.3 434.8 385.9 341 302 260.1 221.3
Accumulated Other Comprehensive Income (246.3) (379.1) (397.9) (470.5) (32.0) 20.8 2.3 (54.6) (28.4) (26.7) 65.9 18.2 15.0 12.8 50.0 18.2 (19.2) (36.9) 0 0 11.4 13.4
Total Stockholders' Equity 3,251.6 2,796.7 2,447.8 2,044.8 2,308.5 2,178.0 2,118.1 1,939.6 1,839.0 1,724.7 1,407.5 1,257.3 753.1 577.4 547.3 497.0 416.9 353.4 370.3 341.2 283.8 245.8
Total Liabilities & Equity 16,679.7 15,738.9 15,066.2 15,501.5 16,046.2 14,029.5 12,112.9 11,872.0 12,184.7 11,804.0 11,762.5 12,439.3 9,918.0 6,578.3 6,495.6 6,381.4 5,860.7 5,421.8 4,987.9 4,517.8 3,351.2 2,935.6
Debt Metrics
Total Debt 704.7 654.7 650.0 576.8 1,010.5 999.1 997.7 1,096.1 1,709.4 1,398.8 2,990.5 4,165.2 2,525.4 1,518.8 1,643.8 1,492.0 1,662.6 2,883.8 1,209.7 968.4 239 66.5
Net Debt 168.3 302.1 (1.0) (1,510.9) (2,198.8) (998.1) 740.9 779.3 1,444.1 1,129.6 2,765.9 3,866.0 2,350.2 1,366.5 1,489.5 1,313.6 1,534.5 2,760.2 1,087.7 729 67.0 (57.3)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Operating Activities
Net Income 412.3 409.2 411.8 300.2 253.9 167.3 205.1 215.9 157.4 133.9 140.8 119.0 122.1 100.6 83.3 75.2 66.2 53.7 48.9 44.4 40.1
Depreciation & Amortization 23.3 22.5 21.9 21.8 25.0 28.3 28.3 25.9 25.3 24.9 59.5 53.6 53.6 37.6 31.4 24.3 26.1 24.6 16.9 7.0 5.5
Stock-Based Compensation 0.1 0.2 0.3 0.4 0.5 0.7 1.0 1.0 0.9 1.1 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 30.1 26.1 (16.1) 39.8 27.0 27.4 40.4 (29.3) (17.8) (0.8) (15.5) (8.5) (13.2) (13.7) (4.9) (6.1) (8.6) 13.7 5.6 (0.7) (0.3)
Other Non-Cash Items 11.1 27.4 33.5 15.0 (18.3) 84.5 33.5 11.1 26.4 36.8 (21.6) (17.2) (22.7) 10.9 (7.3) (6.6) (10.8) (5.3) 9.1 16.2 21.4
Operating Cash Flow 491.1 473.9 474.4 387.9 291.7 305.1 311.6 229.8 196.8 203.2 185.9 158.3 145.9 134.8 105.4 94.3 77.3 86.7 80.5 66.9 66.6
Investing Activities
Capital Expenditure (18.1) (14.1) (27.5) (19.2) (10.4) (6.7) (29.6) (21.4) (14.3) (38.9) (73.0) (51.9) (54.0) (15.1) (29.7) (22.7) (19) (19.2) (24.6) (16.1) (11.6)
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 (276.6) 0 0 0 0 0 0 0 0 0
Purchases of Investments (944.1) (1,032.6) (1,110.5) (1,534.9) (2,917.9) (1,864.3) (946.1) (90.8) (1,208.2) (1,374.7) (1,616.4) (2,223.9) (3,098.2) (1,760.7) (1,285.9) (599.9) (1,325.7) (1,967.5) (1,367.4) (1,038.4) (490.5)
Sales/Maturities of Investments 1,004.3 839.5 682.4 759.1 1,619.8 2,102.1 977.1 737.4 1,176.2 1,273.5 1,122.5 1,696.8 3,063.4 1,645.5 1,625.5 518.4 1,295 1,522.9 587.9 727.6 393.9
Other Investing Activities (633.8) (777.8) (611.6) (197.0) 392.6 (574.8) (319.4) (245.8) (357.5) 2.2 265.3 261.5 (10.6) (205.6) (97.4) (345.7) (399.5) (162.8) 30.6 264.2 (27.2)
Investing Cash Flow (591.7) (985.1) (1,067.2) (992.0) (915.9) (343.7) (318.1) 379.4 (403.8) (137.8) (311.1) (594.0) (99.5) (335.8) 211.4 (450.0) (449.2) (626.6) (773.5) (62.2) (135.3)
Financing Activities
Net Debt Issuance (0.2) (0.2) (26.0) (425.2) (0.2) (190.2) (104.9) (489.6) 461.9 226.6 340.8 253.6 (125.8) 151.8 (170.6) 158.9 294.1 241.3 538.2 (210.7) 24.6
Stock Repurchased (4.6) (1.0) (4.6) (52.0) (0.7) (48.9) (17.8) (19.0) (0.2) (8.0) 0 0 0 0 0 0 0 0 0 (2.3) (0.6)
Dividends Paid (87.1) (82.1) (78.2) (75.4) (72.8) (69.9) (68.7) (49.6) (43.6) (39.6) (40.8) (39.8) (32.6) (22.0) (21.2) (21.0) (17.1) (11.3) (4.4) (3.5) (2.8)
Other Financing Activities 374.9 292.2 (736.2) 33.6 1,907.5 2,087.4 136.0 (1.2) (216.4) (249.0) 90.7 198.2 195.8 0.3 53.5 217.4 129.7 193.9 222.6 258.9 80.6
Financing Cash Flow 284.5 212.7 (843.9) (517.4) 1,836.2 1,779.0 (53.5) (557.8) 203.1 (69.3) 387.5 415.8 15.1 70.0 (157.7) 346.8 386.4 422.7 758.7 43.4 102.4
Cash Position
Net Change in Cash 183.8 (298.4) (1,436.7) (1,121.5) 1,212.0 1,740.4 (60.0) 51.4 (3.8) (3.9) 262.3 (20.0) 61.5 (131.0) 159.1 (8.9) 14.4 (237.8) (172) 48.2 33.6
Cash at Beginning 352.7 651.1 2,087.7 3,209.2 1,997.2 256.8 316.8 265.4 269.2 273.1 195.8 215.7 154.2 285.2 126.1 135.0 120.6 237.8 172 123.8 90.2
Cash at End 536.5 352.7 651.1 2,087.7 3,209.2 1,997.2 256.8 316.8 265.4 269.2 458.1 195.8 215.7 154.2 285.2 126.1 135 660.5 930.7 172.0 123.8
Free Cash Flow 472.9 459.8 446.9 368.7 281.3 298.4 282.0 208.5 182.5 164.4 112.9 106.4 91.9 119.7 75.8 71.7 58.3 67.5 55.9 50.8 55.0
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Income Statement
Revenue 1,053.6 1,042.9 970.1 712.9 620.4 577.6 647.2 630.9 565.5 549.6 552.5 571.9 552.8 576.2 619.6 677.6 728.4 754.4 808.9 786.0 675.9 487.2 445.3 439.6 469.9 479.1 401.7 367.9 312.6 144.2 143.5
Gross Profit 824.7 801.8 798.9 653.1 585.6 493.1 569.8 572.1 515.4 486.6 483.8 511.0 475.2 473.8 508.0 540.7 529.8 502.9 477.4 462.6 469.1 372.1 342.3 314.6 260.5 220.5 210.1 177.4 159.5 30.2 26.0
Operating Income 520.4 508.7 523.5 382.6 322.3 211.8 260.0 272.6 221.6 197.0 206.8 229.9 182.6 158.4 191.2 201.0 220.7 201.6 177.1 173.9 212.1 176.9 182.6 159.8 125.1 108.6 103.1 78.3 73.7 64.5 58.4
Net Income 412.3 409.2 411.8 300.2 253.9 167.3 205.1 215.9 157.4 133.9 136.7 153.2 126.4 107.8 127.1 130.0 142.7 132.1 121.3 117.0 140.8 119.0 122.1 100.6 83.3 75.2 66.2 53.7 48.9 44.4 40.1
EPS (Diluted) 6.62 6.57 6.62 4.78 4.00 2.62 3.12 3.24 2.36 2.02 2.05 2.28 1.88 1.39 1.69 1.72 1.90 1.92 1.75 1.67 1.98 1.71 1.80 1.43 1.15 1.03 0.89 0.77 0.70 0.59 0.71
Balance Sheet
Cash & Equivalents 536.5 352.7 651.1 2,087.7 3,209.2 1,997.2 256.8 316.8 265.4 269.2 224.6 299.1 175.2 152.3 154.3 178.4 128.1 123.6 122 239.4 172.0 123.8
Total Assets 16,679.7 15,738.9 15,066.2 15,501.5 16,046.2 14,029.5 12,112.9 11,872.0 12,184.7 11,804.0 11,762.5 12,439.3 9,918.0 6,578.3 6,495.6 6,381.4 5,860.7 5,421.8 4,987.9 4,517.8 3,351.2 2,935.6
Total Debt 704.7 654.7 650.0 576.8 1,010.5 999.1 997.7 1,096.1 1,709.4 1,398.8 2,990.5 4,165.2 2,525.4 1,518.8 1,643.8 1,492.0 1,662.6 2,883.8 1,209.7 968.4 239 66.5
Stockholders' Equity 3,251.6 2,796.7 2,447.8 2,044.8 2,308.5 2,178.0 2,118.1 1,939.6 1,839.0 1,724.7 1,407.5 1,257.3 753.1 577.4 547.3 497.0 416.9 353.4 370.3 341.2 283.8 245.8
Cash Flow
Operating Cash Flow 491.1 473.9 474.4 387.9 291.7 305.1 311.6 229.8 196.8 203.2 185.9 158.3 145.9 134.8 105.4 94.3 77.3 86.7 80.5 66.9 66.6
Capital Expenditure (18.1) (14.1) (27.5) (19.2) (10.4) (6.7) (29.6) (21.4) (14.3) (38.9) (73.0) (51.9) (54.0) (15.1) (29.7) (22.7) (19) (19.2) (24.6) (16.1) (11.6)
Free Cash Flow 472.9 459.8 446.9 368.7 281.3 298.4 282.0 208.5 182.5 164.4 112.9 106.4 91.9 119.7 75.8 71.7 58.3 67.5 55.9 50.8 55.0