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INTERNATIONAL BANCSHARES CORP（IBOC）とPAMT CORP（PAMT）の財務データ比較。上の社名をクリックして会社を切り替えられます
INTERNATIONAL BANCSHARES CORPの直近四半期売上が大きい（$217.7M vs $141.3M、PAMT CORPの約1.5倍）。INTERNATIONAL BANCSHARES CORPの純利益率が高く（62.3% vs -20.7%、差は83.0%）。INTERNATIONAL BANCSHARES CORPの前年同期比売上増加率が高い（4.5% vs -15.1%）。INTERNATIONAL BANCSHARES CORPの直近四半期フリーキャッシュフローが多い（$472.9M vs $-25.0M）。過去8四半期でINTERNATIONAL BANCSHARES CORPの売上複合成長率が高い（2.8% vs -12.0%）
インターナショナル・バンクシェアーズ・コーポレーションは米国テキサス州ラレドを本拠地とする銀行持株会社で、主要子会社はインターナショナル・バンク・オブ・コマースです。傘下の銀行子会社を通じて217の営業店舗と315台のATMを運営し、テキサス州とオクラホマ州にある88のコミュニティに金融サービスを提供しています。
IBOC vs PAMT — 直接比較
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $217.7M | $141.3M |
| 純利益 | $106.9M | $-29.3M |
| 粗利率 | — | — |
| 営業利益率 | 62.8% | -27.0% |
| 純利益率 | 62.3% | -20.7% |
| 売上前年比 | 4.5% | -15.1% |
| 純利益前年比 | -7.1% | 7.4% |
| EPS（希薄化後） | $1.71 | $-1.38 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $217.7M | $141.3M | ||
| Q3 25 | $218.1M | $150.3M | ||
| Q2 25 | $208.2M | $151.1M | ||
| Q1 25 | $198.2M | $155.3M | ||
| Q4 24 | $208.3M | $166.5M | ||
| Q3 24 | $211.8M | $182.6M | ||
| Q2 24 | $207.8M | $182.9M | ||
| Q1 24 | $205.8M | $182.6M |
| Q4 25 | $106.9M | $-29.3M | ||
| Q3 25 | $108.4M | $-5.6M | ||
| Q2 25 | $100.1M | $-9.6M | ||
| Q1 25 | $96.9M | $-8.1M | ||
| Q4 24 | $115.1M | $-31.6M | ||
| Q3 24 | $99.8M | $2.4M | ||
| Q2 24 | $97.0M | $-2.9M | ||
| Q1 24 | $97.3M | $281.0K |
| Q4 25 | 62.8% | -27.0% | ||
| Q3 25 | 62.6% | -3.8% | ||
| Q2 25 | 60.5% | -7.3% | ||
| Q1 25 | 61.1% | -5.9% | ||
| Q4 24 | 64.2% | -22.6% | ||
| Q3 24 | 60.0% | 1.3% | ||
| Q2 24 | 60.1% | -0.4% | ||
| Q1 24 | 59.9% | -0.4% |
| Q4 25 | 62.3% | -20.7% | ||
| Q3 25 | 49.7% | -3.7% | ||
| Q2 25 | 48.1% | -6.4% | ||
| Q1 25 | 48.9% | -5.2% | ||
| Q4 24 | 71.5% | -19.0% | ||
| Q3 24 | 47.1% | 1.3% | ||
| Q2 24 | 46.7% | -1.6% | ||
| Q1 24 | 47.3% | 0.2% |
| Q4 25 | $1.71 | $-1.38 | ||
| Q3 25 | $1.74 | $-0.27 | ||
| Q2 25 | $1.61 | $-0.46 | ||
| Q1 25 | $1.56 | $-0.37 | ||
| Q4 24 | $1.85 | $-1.44 | ||
| Q3 24 | $1.60 | $0.11 | ||
| Q2 24 | $1.56 | $-0.13 | ||
| Q1 24 | $1.56 | $0.01 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $5.5B | $83.7M |
| 総負債低いほど良い | — | $333.9M |
| 株主資本純資産 | $3.3B | $210.5M |
| 総資産 | $16.6B | $697.9M |
| 負債/資本比率低いほどレバレッジが低い | — | 1.59× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $5.5B | $83.7M | ||
| Q3 25 | $5.6B | $115.6M | ||
| Q2 25 | $5.8B | $117.3M | ||
| Q1 25 | $5.6B | $102.7M | ||
| Q4 24 | $5.4B | $110.7M | ||
| Q3 24 | $5.8B | $92.3M | ||
| Q2 24 | $5.7B | $114.0M | ||
| Q1 24 | $5.7B | $125.8M |
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $3.3B | $210.5M | ||
| Q3 25 | $3.1B | $239.5M | ||
| Q2 25 | $3.0B | $244.9M | ||
| Q1 25 | $2.9B | $269.6M | ||
| Q4 24 | $2.8B | $277.5M | ||
| Q3 24 | $2.7B | $308.9M | ||
| Q2 24 | $2.6B | $306.7M | ||
| Q1 24 | $2.5B | $314.6M |
| Q4 25 | $16.6B | $697.9M | ||
| Q3 25 | $16.6B | $715.2M | ||
| Q2 25 | $16.5B | $707.9M | ||
| Q1 25 | $16.3B | $712.6M | ||
| Q4 24 | $15.7B | $741.7M | ||
| Q3 24 | $15.9B | $756.7M | ||
| Q2 24 | $15.5B | $733.5M | ||
| Q1 24 | $15.4B | $746.4M |
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $491.1M | $-5.8M |
| フリーキャッシュフロー営業CF - 設備投資 | $472.9M | $-25.0M |
| FCFマージンFCF / 売上 | 217.2% | -17.7% |
| 設備投資強度設備投資 / 売上 | 8.3% | 13.6% |
| キャッシュ転換率営業CF / 純利益 | 4.59× | — |
| 直近12ヶ月FCF直近4四半期 | $809.9M | $-23.4M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $491.1M | $-5.8M | ||
| Q3 25 | $115.2M | $5.9M | ||
| Q2 25 | $95.5M | $12.2M | ||
| Q1 25 | $140.5M | $5.0M | ||
| Q4 24 | $473.9M | $15.2M | ||
| Q3 24 | $116.5M | $15.5M | ||
| Q2 24 | $107.2M | $18.7M | ||
| Q1 24 | $135.4M | $9.6M |
| Q4 25 | $472.9M | $-25.0M | ||
| Q3 25 | $112.2M | $2.5M | ||
| Q2 25 | $91.6M | $5.9M | ||
| Q1 25 | $133.1M | $-6.8M | ||
| Q4 24 | $459.8M | $-39.9M | ||
| Q3 24 | $109.6M | $-33.6M | ||
| Q2 24 | $104.9M | $4.1M | ||
| Q1 24 | $128.9M | $-12.2M |
| Q4 25 | 217.2% | -17.7% | ||
| Q3 25 | 51.5% | 1.7% | ||
| Q2 25 | 44.0% | 3.9% | ||
| Q1 25 | 67.1% | -4.4% | ||
| Q4 24 | 220.8% | -24.0% | ||
| Q3 24 | 51.7% | -18.4% | ||
| Q2 24 | 50.5% | 2.2% | ||
| Q1 24 | 62.6% | -6.7% |
| Q4 25 | 8.3% | 13.6% | ||
| Q3 25 | 1.3% | 2.3% | ||
| Q2 25 | 1.9% | 4.2% | ||
| Q1 25 | 3.7% | 7.6% | ||
| Q4 24 | 6.8% | 33.1% | ||
| Q3 24 | 3.3% | 26.9% | ||
| Q2 24 | 1.1% | 8.0% | ||
| Q1 24 | 3.2% | 12.0% |
| Q4 25 | 4.59× | — | ||
| Q3 25 | 1.06× | — | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 4.12× | — | ||
| Q3 24 | 1.17× | 6.44× | ||
| Q2 24 | 1.11× | — | ||
| Q1 24 | 1.39× | 34.11× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
IBOC
セグメントデータなし
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
