International Bancshares (IBOC)
Texas and Oklahoma banking franchise serving local businesses, consumers, and cross-border trade.
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Offers commercial and consumer banking across Texas and Oklahoma, taking deposits and extending commercial, real estate, mortgage, and personal loans. Its single banking segment also provides cross-border trade finance and foreign exchange, with a sizable deposit base from customers in Mexico.
Operates five community-bank subsidiaries across Texas and Oklahoma, combining commercial banking with retail, mortgage, and digital services. Core offerings include checking and savings deposits; commercial, real estate, personal, automobile, and installment loans; cards; online and mobile banking; and third-party securities products. Some banks also provide letters of credit, commercial credit, and foreign exchange for international trade.
Local advisory boards help tailor products to community needs, while bilingual staff support customers connected to Mexico. The footprint spans northern, southern, central, and southeastern Texas plus Oklahoma, and Mexican-domiciled customers supply a large share of subsidiary-bank deposits. Earnings depend on deposit funding, lending spreads, local credit quality, and monetary policy. All subsidiary banks operate under federal and state banking regulation.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $451.2M · Total debt $731.0M · Total assets $17.02B · Shareholders' equity $3.38B
- Revenue
- $264.1M
- Operating income
- $121.1M
- Net income
- $95.8M
HistoryDividendAnnual yield
| Institutions | ≈ 71.57% | 44.51M shares | |
|---|---|---|---|
| 302 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 5.27% | 3.28M shares | |
| 4 holders · as of May 22, 2026 | |||
| Other | ≈ 23.16% | 14.40M shares | |
| remainder | |||
62.19M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 11.33% | 7.05M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.39% | 3.35M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 5.24% | 3.26M | as of Jun 30, 2026 |
American Century Investment Management, Inc.Institution | 5.14% | 3.20M | filed Feb 13, 2026 |
American Century Companies IncInstitution | 5.03% | 3.13M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 21, 2026 | Larry A. Norton | director | −10,000 | $72.00 |
- Cullen/Frost Bankers
Texas banking scale with Mexico-linked international services
- Prosperity Bancshares
Broad Texas/Oklahoma community-bank overlap
- Texas Capital
Texas business-bank rival in loans, deposits, and treasury
- BancFirst
Oklahoma and North Texas local-bank rival
- First Financial Bankshares
Texas community-bank peer in local loans and deposits
- Hilltop
Texas banking and mortgage rival via PlainsCapital
- Southside Bancshares
Texas community-bank overlap in loans, deposits, and wealth
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| International Bancshares | $70.23 | +0.09% | $4.36B | 10.6 | 10.8 | 4.1 | +1.0% |
| Cullen/Frost Bankers | $157.33 | −0.89% | $9.87B | 15.0 | 13.8 | 3.7 | +9.4% |
| Prosperity Bancshares | $69.47 | −0.63% | $8.40B | 12.1 | 10.4 | 4.7 | +25.9% |
| Texas Capital | $95.57 | +0.60% | $4.13B | 12.5 | 12.4 | 2.1 | +9.1% |
| BancFirst | $109.79 | +0.30% | $3.68B | 14.8 | 14.0 | 4.7 | +10.7% |
| First Financial Bankshares | $32.82 | +0.24% | $4.69B | 17.5 | 15.6 | 5.4 | +10.3% |
| Hilltop | $38.77 | +0.03% | $2.22B | 14.4 | 16.7 | 1.4 | +4.1% |
| Southside Bancshares | $31.52 | 0.00% | $937.8M | 12.4 | 10.0 | 2.0 | +10.2% |
| Median | 14.4 | 13.8 | 3.7 | +10.2% |