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International Bancshares IBOC Q4 2025 Annual earnings

Reported February 26, 2026 · Before market open

Revenue$270.6MIn line
EPS$1.71Beat by $0.08
Revenue estimate$270.6M
EPS estimate$1.63

Next report

Nov 5, 2026 (in 2 months)
Revenue estimate$273.5M
EPS estimate$1.58

Financials

Q4 2025

Income statement

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Revenue$217.7M+4.5%
Net income$106.9M-7.1%
EPS (diluted)$1.71-7.6%

Balance sheet

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Cash & equivalents$536.5M+52.1%
Total equity$3.3B+16.3%
Total assets$16.6B+5.3%

Cash flow

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Operating cash flow$139.9M+21.8%
CapEx$3.9M—
Free cash flow$136.0M+16.7%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$4.13B+5.1%
P/E10×+0.4×
P/S4.9×+0.2×

Profitability

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Net margin49%-0.1pp
FCF margin56.2%+1.0pp

Returns & leverage

See full
Return on equity13.6%-2.0pp

Segments

By product

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Service Charges On Deposit Accounts$19.4M+3.9%
Other Service Charges Commissions And Fees Banking$15.1M+2.1%
Other Service Charges Commissions And Fees Nonbanking$3.1M+6.0%

FAQ

When did International Bancshares report Q4 2025 earnings?
International Bancshares (IBOC) reported Q4 2025 earnings on February 26, 2026 before market open.
What were International Bancshares's Q4 2025 revenue and EPS?
International Bancshares reported revenue of $270.6M and eps of $1.71 for Q4 2025.
Did International Bancshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $270.6M by -. EPS beat the consensus estimate of $1.63 by $0.08.
How did International Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 3.0% from $262.9M a year earlier and eps declined 7.6% from $1.85.
Where can I find International Bancshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-020307) and the 10-K periodic report (0001104659-26-020439) directly on SEC EDGAR. The filing index links above go to sec.gov.