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International Bancshares IBOC Three months or less

Three months or less at other companies

Raymond James Financial logo
Raymond James FinancialRJF
$70M+11.1%
TFS Financial logo
TFS FinancialTFSL
66.5%+4.8pp
State Street logo
State StreetSTT
$1.16B+8.4%
Wintrust Financial logo
Wintrust FinancialWTFC
$732.81M-5.4%
Morgan Stanley logo
Morgan StanleyMS
$2.19B-17.8%
Raymond James Financial logo
Raymond James FinancialRJF
$51M+18.6%

Other financials

Income statement

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Revenue$208.5M+5.2%
Net income$102.2M+5.5%
EPS (diluted)$1.64+5.1%

Balance sheet

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Cash & equivalents$585.9M-0.6%
Total equity$3.3B+13.6%
Total assets$16.8B+3.4%

Cash flow

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Operating cash flow$120.7M-14.0%
CapEx$4.7M-36.5%
Free cash flow$116.0M-12.8%

Valuation

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Market cap$4.57B+6.6%

Profitability

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Net margin49%-0.5pp
FCF margin53.5%-2.7pp

Returns & leverage

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Return on equity13.5%-1.7pp
Debt / equity

Where this comes from

Reported directly by International Bancshares in its filing.

Tagged under the XBRL concept us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.

The official record: International Bancshares’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is International Bancshares's three months or less?
International Bancshares (IBOC) reported three months or less of $1.13B in Q4 2025.
How has International Bancshares's three months or less changed year-over-year?
International Bancshares's three months or less increased by 15.3% year-over-year, from $982.13M to $1.13B.
What is the long-term trend for International Bancshares's three months or less?
Over 5 years (2020 to 2025), International Bancshares's three months or less has grown at a 13.3% compound annual growth rate (CAGR), from $606.81M to $1.13B.
What does three months or less mean?
This metric captures the portion of large-denomination time deposits that are contractually scheduled to mature within three months or less. It is a key indicator of short-term liquidity sensitivity, as these deposits are more likely to be repriced or withdrawn in response to changing market interest rates.