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.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	49%-0.1pp	49.1%-0.3pp	49.4%+4.9pp	44.5%+1.7pp
Free cash flow margin	56.2%+1.0pp	55.2%+1.5pp	53.6%-1.0pp	54.6%+7.3pp
Returns
Return on equity	13.6%-2.0pp	15.6%-2.7pp	18.3%+4.5pp	13.8%+2.5pp
Return on assets	2.6%-0.1pp	2.7%0.0pp	2.7%+0.8pp	1.9%+0.2pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×0.0×	0×0.0×
Per Share
Book value per share	$52.23+16.3%	$44.89+14.1%	$39.34+20.8%	$32.55-10.5%
Valuation
Market capitalization	$4.13B+5.1%	$3.93B+16.5%	$3.37B+18.6%	$2.84B+5.8%
Price / earnings	10×+0.4×	9.6×+1.4×	8.2×-1.3×	9.5×-1.1×
Price / sales	4.9×+0.2×	4.7×+0.7×	4×-0.2×	4.2×-0.3×
Price / book	1.3×-0.1×	1.4×0.0×	1.4×0.0×	1.4×+0.2×
Free cash flow yield	11.5%-0.3pp	11.7%-1.6pp	13.3%+0.3pp	13%+2.5pp
Earnings yield	10%-0.4pp	10.4%-1.8pp	12.2%+1.7pp	10.6%+1.1pp
Dividend yield	2.1%—	——	——	——
PEG ratio	13.1×—	——	0.2×-0.3×	0.5×+0.3×

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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.