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INTERNATIONAL BANCSHARES CORP IBOC

Nasdaq · stock · State Commercial Banks · website · IPO 1986-09-16 · LEI

INTERNATIONAL BANCSHARES CORP statistics & valuation

Market cap$4.8B
P / E11.7×
P / B1.5×
P / FCF10.2×
Dividend yield1.80%
Return on equity12.7%
Graham number +21.3%$88.20

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($88.20); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
7.80% 8.60% 11.10% 9.70% 7.70% 11.00% 14.70% 16.80% 14.60% 12.70% 2016201720182019202020212022202320242025
Shares outstanding
66.3M 66.8M 66.6M 65.7M 63.9M 63.5M 62.8M 62.2M 62.3M 62.3M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.10% 1.30% 1.80% 1.70% 1.20% 1.60% 1.90% 2.70% 2.60% 2.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$2.02 $2.36 $3.24 $3.12 $2.62 $4.00 $4.78 $6.62 $6.57 $6.62 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

INTERNATIONAL BANCSHARES CORP trades at about 11× earnings — near its 10-year norm (10-year range 8×–18.4×, median 10.9×).

8× 18.4×

Shaded band = 10-year range (8×–18.4×); dot = today's 11×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets2.5%2.6%2.7%1.9%1.6%1.2%1.7%1.8%1.3%1.1%
Return on equity12.7%14.6%16.8%14.7%11.0%7.7%9.7%11.1%8.6%7.8%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.