International Bancshares (IBOC)
Texas and Oklahoma banking franchise serving local businesses, consumers, and cross-border trade.
$70.22
vs last close+0.06 (+0.09%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 250 | 256 | 254 | 259 | 266 | 263 | 252 | 262 | 273 | 271 | 257 | 264 |
| Cost of revenue | 47 | 52 | 61 | 60 | 63 | 56 | 57 | 58 | 56 | 58 | 52 | 60 |
| Gross profit | 202 | 204 | 193 | 199 | 203 | 207 | 195 | 204 | 216 | 213 | 205 | 204 |
| 71 | 69 | 70 | 74 | 76 | 73 | 74 | 78 | 80 | 76 | 76 | 83 | |
| 38 | 33 | 39 | 39 | 41 | 40 | 42 | 42 | 41 | 47 | 46 | 48 | |
| Selling & marketing | 1 | 1 | 2 | 1 | 1 | 2 | 2 | 2 | 2 | 0 | 0 | 0 |
| General & administrative | 37 | 32 | 38 | 37 | 39 | 39 | 40 | 40 | 39 | 47 | 46 | 48 |
| Other expenses | 33 | 35 | 30 | 35 | 36 | 33 | 32 | 36 | 39 | 29 | 30 | 35 |
| Operating income | 131 | 136 | 123 | 125 | 127 | 134 | 121 | 126 | 136 | 137 | 129 | 121 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 204 | 210 | 212 | 216 | 223 | 216 | 215 | 221 | 227 | 224 | 215 | 220 |
| Interest expense | 37 | 45 | 48 | 51 | 55 | 55 | 53 | 53 | 55 | 52 | 49 | 49 |
| Income before tax | 131 | 136 | 123 | 125 | 127 | 134 | 121 | 126 | 136 | 137 | 129 | 121 |
| Income tax expense | 28 | 29 | 26 | 28 | 27 | 19 | 24 | 26 | 28 | 30 | 27 | 25 |
| Net income from continuing operations | 103 | 106 | 97 | 97 | 100 | 115 | 97 | 100 | 108 | 107 | 102 | 96 |
| Net income | 103 | 106 | 97 | 97 | 100 | 115 | 97 | 100 | 108 | 107 | 102 | 96 |
| EPS, basic | $1.66 | $1.71 | $1.57 | $1.56 | $1.60 | $1.85 | $1.56 | $1.61 | $1.74 | $1.71 | $1.64 | $1.54 |
| EPS, diluted | $1.66 | $1.71 | $1.56 | $1.56 | $1.60 | $1.85 | $1.56 | $1.61 | $1.74 | $1.71 | $1.64 | $1.54 |
| Weighted average shares, basic | 63 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 |
| Weighted average shares, diluted | 63 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 |
| EBITDA | 137 | 141 | 129 | 131 | 133 | 139 | 127 | 131 | 142 | 143 | 136 | 127 |
| Depreciation & amortization | 5 | 6 | 6 | 6 | 6 | 6 | 6 | 5 | 6 | 7 | 6 | 6 |
| EBIT | 131 | 136 | 123 | 125 | 127 | 134 | 121 | 126 | 136 | 137 | 129 | 121 |
