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Year three at other companies

Customers Bancorp logo
Customers BancorpCUBI
$1.99B+93.6%
Center Bancorp logo
Center BancorpCNOB
$741.62M
National Bank Holdings logo
National Bank HoldingsNBHC
$1.16B+42.2%
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:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear.

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 three?
International Bancshares (IBOC) reported year three of $1.51B in Q2 2026.
How has International Bancshares's year three changed year-over-year?
International Bancshares's year three decreased by 27.9% year-over-year, from $2.09B to $1.51B.
What is the long-term trend for International Bancshares's year three?
Over 3 years (2022 to 2025), International Bancshares's year three has grown at a -8.1% compound annual growth rate (CAGR), from $2.08B to $1.62B.
What does year three mean?
This represents the portion of the financing receivable portfolio, excluding accrued interest, that is scheduled to mature or is categorized within the third year of the reporting period. It provides insight into the bank's intermediate-term asset duration and the stability of its loan book. This metric is useful for evaluating long-term asset-liability management strategies.

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