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International Bancshares IBOC Q3 2025 earnings

Reported November 6, 2025 · Before market open

Revenue$272.6M
EPS$1.74

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$266.4M
EPS estimate$1.61

Financials

Q3 2025

Income statement

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Revenue$218.1M+3.0%
Net income$108.4M+8.6%
EPS (diluted)$1.74+8.7%

Balance sheet

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Cash & equivalents$589.3M-24.4%
Total equity$3.1B+13.8%
Total assets$16.6B+4.1%

Cash flow

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Operating cash flow$115.2M-1.1%
CapEx$2.9M-57.5%
Free cash flow$112.2M+2.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$4.27B+14.9%
P/E10.2×+0.9×
P/S5.1×+0.7×

Profitability

See full
Net margin50.5%+2.6pp
FCF margin54.5%-1.5pp

Returns & leverage

See full
Return on equity14.3%-1.9pp

Segments

By product

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Service Charges On Deposit Accounts$19.2M+3.1%
Other Service Charges Commissions And Fees Banking$14.9M+0.7%
Other Service Charges Commissions And Fees Nonbanking$2.4M+5.0%

Versus estimates

Revenue

Q1 2026$257.3MIn lineQ4 2025$270.6MIn line
Q3 2025$272.6M
Q2 2025$261.6MQ1 2025$251.6MQ4 2024$262.9M

Diluted EPS

Q1 2026$1.64Miss by $0.04Q4 2025$1.71Beat by $0.08
Q3 2025$1.74
Q2 2025$1.61Q1 2025$1.56Q4 2024$1.85

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Questions, answered.

When did International Bancshares report Q3 2025 earnings?
International Bancshares (IBOC) reported Q3 2025 earnings on November 6, 2025 before market open.
What were International Bancshares's Q3 2025 revenue and EPS?
International Bancshares reported revenue of $272.6M and eps of $1.74 for Q3 2025.
How did International Bancshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.3% from $266.5M a year earlier and eps grew 8.7% from $1.60.
Where can I find International Bancshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-107576) and the 10-Q periodic report (0001104659-25-107612) directly on SEC EDGAR. The filing index links above go to sec.gov.