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INTERNATIONAL BANCSHARES CORP（IBOC）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
INTERNATIONAL BANCSHARES CORP的季度营收约是null的1.9倍（$217.7M vs $117.3M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs -7.3%，领先69.6%），null同比增速更快（5.3% vs 4.5%），过去两年INTERNATIONAL BANCSHARES CORP的营收复合增速更高（2.8% vs -14.4%）
国际银行股份公司（International Bancshares Corporation）是总部位于美国得克萨斯州拉雷多的银行控股公司，核心子公司为国际商业银行。目前集团通过旗下银行子公司运营217个营业网点、315台自动柜员机，服务覆盖得克萨斯州、俄克拉荷马州的88个城镇社区。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
IBOC vs SWIM — 直观对比
营收规模更大
IBOC
是对方的1.9倍
$117.3M
营收增速更快
SWIM
高出0.8%
4.5%
净利率更高
IBOC
高出69.6%
-7.3%
两年增速更快
IBOC
近两年复合增速
-14.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $117.3M |
| 净利润 | $106.9M | $-8.5M |
| 毛利率 | — | 31.7% |
| 营业利润率 | 62.8% | — |
| 净利率 | 62.3% | -7.3% |
| 营收同比 | 4.5% | 5.3% |
| 净利润同比 | -7.1% | -43.1% |
| 每股收益（稀释后） | $1.71 | $-0.07 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收IBOCSWIM
| Q1 26 | — | $117.3M | ||
| Q4 25 | $217.7M | $100.0M | ||
| Q3 25 | $218.1M | $161.9M | ||
| Q2 25 | $208.2M | $172.6M | ||
| Q1 25 | $198.2M | $111.4M | ||
| Q4 24 | $208.3M | $87.3M | ||
| Q3 24 | $211.8M | $150.5M | ||
| Q2 24 | $207.8M | $160.1M |
净利润IBOCSWIM
| Q1 26 | — | $-8.5M | ||
| Q4 25 | $106.9M | $-7.0M | ||
| Q3 25 | $108.4M | $8.1M | ||
| Q2 25 | $100.1M | $16.0M | ||
| Q1 25 | $96.9M | $-6.0M | ||
| Q4 24 | $115.1M | $-29.2M | ||
| Q3 24 | $99.8M | $5.9M | ||
| Q2 24 | $97.0M | $13.3M |
毛利率IBOCSWIM
| Q1 26 | — | 31.7% | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率IBOCSWIM
| Q1 26 | — | — | ||
| Q4 25 | 62.8% | -10.7% | ||
| Q3 25 | 62.6% | 13.3% | ||
| Q2 25 | 60.5% | 14.3% | ||
| Q1 25 | 61.1% | -4.4% | ||
| Q4 24 | 64.2% | -14.9% | ||
| Q3 24 | 60.0% | 8.9% | ||
| Q2 24 | 60.1% | 12.5% |
净利率IBOCSWIM
| Q1 26 | — | -7.3% | ||
| Q4 25 | 62.3% | -7.0% | ||
| Q3 25 | 49.7% | 5.0% | ||
| Q2 25 | 48.1% | 9.3% | ||
| Q1 25 | 48.9% | -5.4% | ||
| Q4 24 | 71.5% | -33.4% | ||
| Q3 24 | 47.1% | 3.9% | ||
| Q2 24 | 46.7% | 8.3% |
每股收益（稀释后）IBOCSWIM
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $1.71 | $-0.06 | ||
| Q3 25 | $1.74 | $0.07 | ||
| Q2 25 | $1.61 | $0.13 | ||
| Q1 25 | $1.56 | $-0.05 | ||
| Q4 24 | $1.85 | $-0.24 | ||
| Q3 24 | $1.60 | $0.05 | ||
| Q2 24 | $1.56 | $0.11 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $5.5B | — |
| 总债务越低越好 | — | $3.3M |
| 股东权益账面价值 | $3.3B | $396.7M |
| 总资产 | $16.6B | $856.4M |
| 负债/权益比越低杠杆越低 | — | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资IBOCSWIM
| Q1 26 | — | — | ||
| Q4 25 | $5.5B | — | ||
| Q3 25 | $5.6B | — | ||
| Q2 25 | $5.8B | — | ||
| Q1 25 | $5.6B | — | ||
| Q4 24 | $5.4B | — | ||
| Q3 24 | $5.8B | — | ||
| Q2 24 | $5.7B | — |
总债务IBOCSWIM
| Q1 26 | — | $3.3M | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益IBOCSWIM
| Q1 26 | — | $396.7M | ||
| Q4 25 | $3.3B | $405.9M | ||
| Q3 25 | $3.1B | $408.4M | ||
| Q2 25 | $3.0B | $398.4M | ||
| Q1 25 | $2.9B | $381.1M | ||
| Q4 24 | $2.8B | $387.2M | ||
| Q3 24 | $2.7B | $416.6M | ||
| Q2 24 | $2.6B | $408.1M |
总资产IBOCSWIM
| Q1 26 | — | $856.4M | ||
| Q4 25 | $16.6B | $823.2M | ||
| Q3 25 | $16.6B | $844.4M | ||
| Q2 25 | $16.5B | $822.1M | ||
| Q1 25 | $16.3B | $824.6M | ||
| Q4 24 | $15.7B | $794.2M | ||
| Q3 24 | $15.9B | $853.4M | ||
| Q2 24 | $15.5B | $830.0M |
负债/权益比IBOCSWIM
| Q1 26 | — | 0.01× | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $491.1M | $-47.7M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | — |
| 自由现金流率自由现金流/营收 | 217.2% | — |
| 资本支出强度资本支出/营收 | 8.3% | — |
| 现金转化率经营现金流/净利润 | 4.59× | — |
| 过去12个月自由现金流最近4个季度 | $809.9M | — |
8季度趋势，按日历期对齐
经营现金流IBOCSWIM
| Q1 26 | — | $-47.7M | ||
| Q4 25 | $491.1M | $23.3M | ||
| Q3 25 | $115.2M | $51.0M | ||
| Q2 25 | $95.5M | $36.0M | ||
| Q1 25 | $140.5M | $-46.9M | ||
| Q4 24 | $473.9M | $6.2M | ||
| Q3 24 | $116.5M | $37.2M | ||
| Q2 24 | $107.2M | $52.4M |
自由现金流IBOCSWIM
| Q1 26 | — | — | ||
| Q4 25 | $472.9M | $14.1M | ||
| Q3 25 | $112.2M | $45.2M | ||
| Q2 25 | $91.6M | $29.1M | ||
| Q1 25 | $133.1M | $-50.3M | ||
| Q4 24 | $459.8M | $-98.0K | ||
| Q3 24 | $109.6M | $33.2M | ||
| Q2 24 | $104.9M | $47.9M |
自由现金流率IBOCSWIM
| Q1 26 | — | — | ||
| Q4 25 | 217.2% | 14.1% | ||
| Q3 25 | 51.5% | 27.9% | ||
| Q2 25 | 44.0% | 16.8% | ||
| Q1 25 | 67.1% | -45.2% | ||
| Q4 24 | 220.8% | -0.1% | ||
| Q3 24 | 51.7% | 22.1% | ||
| Q2 24 | 50.5% | 29.9% |
资本支出强度IBOCSWIM
| Q1 26 | — | — | ||
| Q4 25 | 8.3% | 9.2% | ||
| Q3 25 | 1.3% | 3.6% | ||
| Q2 25 | 1.9% | 4.0% | ||
| Q1 25 | 3.7% | 3.1% | ||
| Q4 24 | 6.8% | 7.2% | ||
| Q3 24 | 3.3% | 2.7% | ||
| Q2 24 | 1.1% | 2.8% |
现金转化率IBOCSWIM
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | — | ||
| Q3 25 | 1.06× | 6.29× | ||
| Q2 25 | 0.95× | 2.25× | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 4.12× | — | ||
| Q3 24 | 1.17× | 6.32× | ||
| Q2 24 | 1.11× | 3.95× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
