profit from every $100 of sales.
$0$100
International Bancshares
$68.02+0.25% today
+2.8% in 1 year
1-year low $63.421-year high $77.84
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.25 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What International Bancshares sold, what it kept, and what it did with the cash.
Sales went from $675 million in 2022 to $842 million in 2025, with $412 million of profit last year.
SalesProfit
International Bancshares handed back 19% of the cash it generated last year.
$87M
Free cash flow 2025$473M
Bought back its own shares$5M
Paid as dividends$87M
Cash vs. debt$536M vs. $119M
International Bancshares vs. similar companies
International Bancshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| International Bancshares | 10.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads International Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 675 | 833 | 834 | 842 | |
| – | – | – | – | |
| – | – | – | – | |
| 443 | 682 | – | – | |
| 300 | 412 | 409 | 412 | |
| 4.78 | 6.62 | 6.57 | 6.62 | |
| – | – | – | – | |
| – | – | – | – | |
| 44.5% | 49.4% | 49.1% | 49.0% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 15,501 | 15,066 | 15,739 | 16,576 |
| Cash | 2,088 | 651 | 353 | 536 |
| Total debt | 146 | 120 | 119 | 119 |
| Total liabilities | 13,457 | 12,618 | 12,942 | 13,325 |
| 2,045 | 2,448 | 2,797 | 3,252 | |
| 63 | 62 | 62 | 62 | |
| 15.2% | 20.3% | – | – | |
| 14.7% | 16.8% | 14.6% | 12.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 388 | 474 | 474 | 491 | |
| 19 | 27 | 14 | 18 | |
| 369 | 447 | 460 | 473 | |
| Dividends paid | 75 | 78 | 82 | 87 |
| 52 | 5 | 1 | 5 | |
| 0 | 0 | 0 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.3×
- 10.1×
- 0.89
- 1.4×
- 5.0×
- 9.8%
- 2.0%
Profitability
- 49.0%
- 2.5%
- 10.9%
- 13.2%
- 2.5%
Growth
- +7.7%
- +11.5%
- +4.9%
- −0.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 37%of 748
Top 16%of 603
Top 27%of 873
Bottom 47%of 883
Top 19%of 933
What analysts expect
- Average price target
- $85.00
- Range
- $85.00 – $85.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 1.64 | 1.68 | −2.4% |
| Feb 26, 2026 | 1.71 | 1.63 | +4.9% |
| Nov 6, 2025 | 1.74 | – | – |
| Aug 7, 2025 | 1.61 | – | – |
| May 5, 2025 | 1.56 | – | – |
| Feb 27, 2025 | 1.85 | – | – |
| Nov 7, 2024 | 1.60 | – | – |
| Aug 1, 2024 | 1.56 | – | – |
2.0%of the share price, paid each year
On $1,000 invested$20a year at today's yield, before tax
+4.9%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.58 in 2015 → $1.40 in 2025
How safe it looks
21.1% of its profit
Room to growStretchedMore than it earns: 18.4%
News
International Tower Hill Mines Ltd. reports Q3 resultsSeeking Alpha · Nov 11, 2026Here’s Why BofA Cut International Flavors & Fragrances (IFF) to UnderperformYahoo Finance · Nov 8, 2026PepsiCo renews partnership with KFC's international marketsSeeking Alpha · Nov 6, 2026SPDW vs EEM: Which International ETF Offers Better Value for Investors Seeking Global Stock Profits?Yahoo Finance · Nov 5, 2026Mercer International plans Chapter 11 filing with $1.1B debt reductionSeeking Alpha · Nov 3, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
73Pass
Benjamin Graham
76Pass
Philip Fisher
77Pass
Peter Lynch
65Pass
Joel Greenblatt
22No pass
Charlie Munger
66Pass
Terry Smith
63Pass
Questions about International Bancshares
Is International Bancshares a good stock to buy?
A strong, very profitable business, and the price looks low. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the International Bancshares AI analysis
What does International Bancshares do?
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It is in Banks - Regional, based in Laredo, TX, United States, with 2,126 employees.
Does International Bancshares pay a dividend?
Yes. At today's price the dividend is 2.0% a year, about 21% of its yearly profit. In 2025 it paid out $87.1 million in dividends.
Is International Bancshares stock halal?
No. International Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has International Bancshares stock done over the past year?
Up 2.8% over the past twelve months, to $68.02. It traded between $63.42 and $77.84 and is 12.6% below its high.
Who are International Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with International Bancshares's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.