Where do International Bancshares's ratios come from?

Every ratio is computed from International Bancshares's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	49%0.0pp	49%-1.5pp	50.5%+0.7pp	49.8%+0.4pp	49.5%+0.4pp
Free cash flow margin	53.5%-2.7pp	56.2%+1.7pp	54.5%-0.1pp	54.5%-1.6pp	56.2%+1.0pp
Returns
Return on equity	13.5%-0.1pp	13.6%-0.7pp	14.3%-0.4pp	14.7%-0.5pp	15.2%-0.4pp
Return on assets	2.5%0.0pp	2.6%0.0pp	2.6%0.0pp	2.6%0.0pp	2.6%-0.1pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Per Share
Book value per share	$52.82+1.1%	$52.23+3.9%	$50.25+3.5%	$48.56+4.5%	$46.47+3.5%
Valuation
Market capitalization	$4.18B+1.3%	$4.13B-3.3%	$4.27B+4.7%	$4.08B+4.0%	$3.92B-0.1%
Price / earnings	10×0.0×	10×-0.1×	10.2×+0.3×	9.9×+0.3×	9.6×0.0×
Price / sales	4.9×0.0×	4.9×-0.2×	5.1×+0.2×	4.9×+0.2×	4.7×0.0×
Price / book	1.3×0.0×	1.3×-0.1×	1.4×0.0×	1.4×0.0×	1.4×0.0×
Free cash flow yield	10.9%-0.6pp	11.5%+0.8pp	10.6%-0.4pp	11%-0.8pp	11.8%+0.1pp
Earnings yield	10%0.0pp	10%+0.1pp	9.8%-0.3pp	10.1%-0.3pp	10.4%0.0pp
Dividend yield	2.1%0.0pp	2.1%—	——	——	——
PEG ratio	4.6×-8.5×	13.1×+11.1×	2×-3.0×	5×-25.7×	30.7×—

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Questions, answered.

Where do International Bancshares's ratios come from?: Every ratio is computed from International Bancshares's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.