INTERNATIONAL BANCSHARES CORP
IBOCOther · Large accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $412.3M | $409.2M | $411.8M | $300.2M | $253.9M | $167.3M |
| Total assets | $16.58B | $15.74B | $15.07B | $15.50B | $16.05B | $14.03B |
| Total liabilities | $13.32B | $12.94B | $12.62B | $13.46B | $13.74B | $11.85B |
| Equity | $3.25B | $2.80B | $2.45B | $2.04B | $2.31B | $2.18B |
| EPS (diluted) | $6.62 | $6.57 | $6.62 | $4.78 | $4.00 | $2.62 |
| Shares out. | 62.2M | 62.2M | 62.1M | 63.4M | 63.3M | 65.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 12.7%
- Return on assets
- 2.5%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 80.4%
- Debt / equity
- 4.10×
- Book value / share
- $52.26
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 0.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.5%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Portfolio Management LlcPassive (13G)Apr 29, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- American Century Investment Management IncPassive (13G)Feb 13, 2026
- Dimensional Fund Advisors LpPassive (13G)Oct 9, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Norton Larry ADirector | May 21, 2026 | Sell | 10,000 | $72.00 |
| Wawroski Judith IOfficer — TREASURER/PAO | Feb 6, 2026 | Option exercise | 875 | $38.30 |
| Wawroski Judith IOfficer — TREASURER/PAO | Sep 5, 2025 | Option exercise | 600 | $39.33 |
| Sanchez Antonio R JrDirector | Aug 14, 2025 | Sell | 80,000 | $69.83 |
| Wawroski Judith IOfficer — TREASURER/PAO | Jun 5, 2025 | Option exercise | 700 | $38.30 |
| Sanchez Antonio R JrDirector | Dec 17, 2024 | Gift | 9,000 | $0.00 |
| Nixon Dennis EOfficer — CEO | Nov 12, 2024 | Sell | 34,815 | $72.18 |
| Wawroski Judith IOfficer — TREASURER/PAO | Aug 13, 2024 | Option exercise | 500 | $38.30 |
| Sanchez Antonio R JrDirector | May 21, 2024 | Sell | 30,112 | $59.75 |
| Sanchez Antonio R JrDirector | Mar 11, 2024 | Sell | 40,000 | $54.22 |
| Martinez Dalia FOfficer — VICE PRESIDENT | Jan 23, 2024 | Option exercise | 5,000 | $21.42 |
| Sanchez Antonio R JrDirector | Dec 7, 2023 | Sell | 50,000 | $49.06 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.6M | 6.0 | +2.9% |
| Apr 30, 2026 | 1.6M | 6.3 | +13.4% |
| Apr 15, 2026 | 1.4M | 3.3 | -2.0% |
| Mar 31, 2026 | 1.4M | 2.1 | -23.9% |
| Mar 13, 2026 | 1.8M | 4.8 | +24.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 20, 2026
- Amended charter or bylawsMay 12, 2026
- Results of operationsMay 7, 2026
- Results of operationsFeb 26, 2026
- Other material eventFeb 2, 2026
- Results of operationsNov 6, 2025
- Amended charter or bylawsAug 12, 2025
- Results of operationsAug 7, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4May 22, 2026
- 144May 21, 2026
- 8-KFORM 8-KMay 20, 2026
- 8-KFORM 8-KMay 12, 2026
- 10-QMay 7, 2026
- 8-KMay 7, 2026
- SCHEDULE 13GApr 29, 2026
- ARSApr 20, 2026
- DEFA14AApr 20, 2026
- DEF 14AFORM- DEF 14AApr 20, 2026
- SCHEDULE 13G/AMar 27, 2026
- 10-KFeb 26, 2026
- 8-KFeb 26, 2026
- SCHEDULE 13GFeb 13, 2026
- 4Feb 10, 2026
Event-driven situations (2)
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