INTERNATIONAL BANCSHARES CORPIBOCEarnings & Financial Report
International Bancshares Corporation is a bank holding company based in Laredo, Texas whose primary subsidiary is International Bank of Commerce. Through its bank subsidiaries, it has 217 banking offices and 315 automated teller machines serving 88 communities in the U.S. states of Texas and Oklahoma.
IBOC Q4 FY2025 Key Financial Metrics
Revenue
$217.7M
Gross Profit
N/A
Operating Profit
$136.8M
Net Profit
$106.9M
Gross Margin
N/A
Operating Margin
62.8%
Net Margin
62.3%
YoY Growth
4.5%
EPS
$1.71
INTERNATIONAL BANCSHARES CORP Q4 FY2025 Financial Summary
INTERNATIONAL BANCSHARES CORP reported revenue of $217.7M (up 4.5% YoY) for Q4 FY2025, with a net profit of $106.9M (down 7.1% YoY) (62.3% margin).
Key Financial Metrics
| Total Revenue | $217.7M |
|---|---|
| Net Profit | $106.9M |
| Gross Margin | N/A |
| Operating Margin | 62.8% |
| Report Period | Q4 FY2025 |
INTERNATIONAL BANCSHARES CORP Annual Revenue by Year
INTERNATIONAL BANCSHARES CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $842.2M).
INTERNATIONAL BANCSHARES CORP Quarterly Revenue & Net Profit History
INTERNATIONAL BANCSHARES CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $217.7M | +4.5% | $106.9M | 62.3% |
| Q3 FY2025 | $218.1M | +3.0% | $108.4M | 49.7% |
| Q2 FY2025 | $208.2M | +0.2% | $100.1M | 48.1% |
| Q1 FY2025 | $198.2M | -3.7% | $96.9M | 48.9% |
| Q4 FY2024 | $208.3M | -1.3% | $115.1M | 71.5% |
| Q3 FY2024 | $211.8M | -0.4% | $99.8M | 47.1% |
| Q2 FY2024 | $207.8M | +1.8% | $97.0M | 46.7% |
| Q1 FY2024 | $205.8M | +0.1% | $97.3M | 47.3% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $205.8M | $207.8M | $211.8M | $208.3M | $198.2M | $208.2M | $218.1M | $217.7M |
| YoY Growth | 0.1% | 1.8% | -0.4% | -1.3% | -3.7% | 0.2% | 3.0% | 4.5% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $15.36B | $15.49B | $15.89B | $15.74B | $16.27B | $16.46B | $16.55B | $16.58B |
| Liabilities | $12.88B | $12.91B | $13.14B | $12.94B | $13.37B | $13.44B | $13.42B | $13.32B |
| Equity | $2.48B | $2.58B | $2.75B | $2.80B | $2.90B | $3.02B | $3.13B | $3.25B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $135.4M | $107.2M | $116.5M | $473.9M | $140.5M | $95.5M | $115.2M | $491.1M |