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Year four at other companies

Customers Bancorp logo
Customers BancorpCUBI
$721.85M-78.2%
Center Bancorp logo
Center BancorpCNOB
$523.55M
National Bank Holdings logo
National Bank HoldingsNBHC
$734.49M-57.0%
BOK Financial logo
BOK FinancialBOKF

Other financials

Income statement

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Revenue$214.8M+3.2%
Net income$95.8M-4.3%
EPS (diluted)$1.54-4.3%

Balance sheet

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Cash & equivalents$451.2M-38.4%
Total equity$3.4B+11.7%
Total assets$17.0B+3.4%

Cash flow

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Operating cash flow$94.2M-1.3%
CapEx$5.7M+46.7%
Free cash flow$88.6M-3.4%

Valuation

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Market cap$4.67B+8.4%
P/E11.3×+0.8×
P/S5.4×+0.2×

Profitability

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Net margin48.1%-1.7pp
FCF margin52.7%-1.8pp

Returns & leverage

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Return on equity12.9%-1.8pp
Debt / equity

Where this comes from

Reported directly by International Bancshares in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

The source filing: International Bancshares’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 3:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-091933
Balance at June 30, 202620262025202420232022PriorTotal
Pass$25,345$19,385$3,357$232$266$1,535$50,120
Total Consumer$25,345$19,385$3,357$232$266$1,535$50,120
Consumer
Current-period gross writeoffs$40$78$24$1$143
Foreign
Pass$72,183$229,317$44,716$33,087$9,268$13,230$401,801
Total Foreign$72,183$229,317$44,716$33,087$9,268$13,230$401,801
Total Loans$1,963,360$3,005,044$1,506,590$1,626,595$829,215$932,395$9,863,199

Item 1. Financial Statements

FAQ

What is International Bancshares's year four?
International Bancshares (IBOC) reported year four of $1.63B in Q2 2026.
How has International Bancshares's year four changed year-over-year?
International Bancshares's year four increased by 45.1% year-over-year, from $1.12B to $1.63B.
What is the long-term trend for International Bancshares's year four?
Over 3 years (2022 to 2025), International Bancshares's year four has grown at a 21.6% compound annual growth rate (CAGR), from $988.63M to $1.78B.
What does year four mean?
This represents the portion of the financing receivable portfolio, excluding accrued interest, that is scheduled to mature or is categorized within the fourth year of the reporting period. It reflects the bank's longer-dated credit exposure and the maturity profile of its loan assets. This helps in assessing the bank's ability to maintain consistent revenue streams over a multi-year cycle.

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