10-K · February 26, 2026
International Bancshares Corporation demonstrated stable financial performance in 2025, closing the year with a revenue of $1.056 billion, consistent with a gradual upward trend observed over the past three years. The…
Earnings analysis · 10-Q
IBOC earnings analysis
Filed May 7, 2026 · Our reading of the company's report
The latest report
International Bancshares Corporation's Q1 2026 report indicates a solid performance with a net income increase of 5.5% to $102.2 million and a diluted EPS of $1.64, up 5.1% year-over-year. Revenue remained stable at…
Read full summary
International Bancshares Corporation's Q1 2026 report indicates a solid performance with a net income increase of 5.5% to $102.2 million and a diluted EPS of $1.64, up 5.1% year-over-year. Revenue remained stable at $270 million, supported by higher net interest income driven by a lower interest expense. Management expressed cautious optimism regarding ongoing economic conditions and competitive pressures.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.64
What stood out
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Net Income Growth
Net income increased by 5.5% year-over-year, reaching $102.2 million for Q1 2026.
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EPS Increases
Diluted EPS rose to $1.64, displaying a 5.1% increase from $1.56 in Q1 2025.
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Decrease in Interest Expense
Interest expense decreased by 8.3%, falling from $53.4 million to $49 million, enhancing net interest income.
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Strong Non-interest Income Growth
Non-interest income grew 15.7% year-over-year, reaching $42.8 million, boosted by service charges and other income.
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Stable Loan and Deposit Growth
Total loans increased by 2.0% to approximately $9.6 billion, while total deposits rose 1.5% to about $12.6 billion.
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Maintenance of Solid Capital Ratios
CET1 capital ratio remained strong at 23.15%, exceeding regulatory requirements.
What to watch
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Economic Conditions
Ongoing economic uncertainty may affect customer transactions and loan repayment ability.
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Interest Rate Sensitivity
The bank's performance is sensitive to fluctuations in interest rates, which could impact net interest income.
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Increased Competition
Aggressive competition for deposits may pressure margins and lead to increased interest expenses.
Management's outlook
Management expressed cautious optimism about maintaining profitability despite economic uncertainty; no specific numeric guidance provided.
Earlier filings 4
10-Q · November 6, 2025
For Q3 2025, International Bancshares Corporation reported strong financial performance with revenues of $273 million and an EPS of $1.74, marking a 2.6% revenue growth and an 8.7% increase in EPS compared to Q3 2024.…
10-Q · August 7, 2025
International Bancshares Corporation reported a net income increase of 3.3% to $100.1 million for Q2 2025, with revenues rising to $262 million, up from $259 million in the prior year. Diluted EPS improved to $1.61,…
10-Q · May 5, 2025
International Bancshares Corporation (IBOC) reported a net income of $96.9 million for Q1 2025, representing a slight decline of 0.5% year-over-year, while diluted EPS was stable at $1.56, the same as the previous year.…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.