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International Bancshares Corporation IBOC | NASDAQ

$68.03 $0.38 | 0.56%

TREND SIGNAL: Signal available — unlock to view

|2026-08-07

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Company Overview:

Market Cap: $4.23B

Trailing PE: 10.3x

FWD PE *: 10.5x

Payout Ratio (TTM): 32.5%

52-Week Range: $63.20 - $78.46

* Forward PE is based on street estimates.

10 Year IBOC Performance Metrics:

Total Return (with DRIP): 197.2% (11.51% CAGR)

Total Return (no DRIP): 168.2% (10.37% CAGR)

Share Price: 129.0% (8.64% CAGR)

Yield on Cost (with DRIP): 6.38%

Total Invested: $10,000

Total Value (with DRIP): $29,718

Total Return $ (with DRIP): $19,718

Dividend Increase: 121.2% (8.37% CAGR)

Dividend Yield (FWD): 2.15% ($1.46)

IBOC 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

IBOC Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

IBOC Price CAGR:1Y: 5.07%2Y: 2.17%5Y: 10.27%10Y: 8.64%

IBOC Dividend Charts

IBOC - Dividends

IBOC Dividend CAGR:1Y: 4.29%2Y: 5.17%5Y: 4.00%10Y: 8.26%

IBOC - Dividend Payout Ratio

IBOC Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

IBOC - Dividend to Free Cash Flow Ratio

IBOC Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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IBOC Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

IBOC - Revenue

IBOC Revenue CAGR:1Y: -17.89%2Y: -8.96%5Y: 2.57%10Y: 5.69%

IBOC - Earnings Per Share (EPS)

IBOC EPS CAGR:1Y: -4.35%2Y: -0.64%5Y: 1.21%10Y: 13.09%

IBOC - Net Income

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IBOC Net Income CAGR:1Y: -4.32%2Y: -0.60%5Y: 0.81%10Y: 12.43%

IBOC - EBITDA

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IBOC EBITDA CAGR:1Y: -3.13%2Y: -1.25%5Y: -0.60%10Y: 7.52%

IBOC - Free Cash Flow

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IBOC Free Cash Flow CAGR:1Y: -3.36%2Y: -8.10%5Y: 5.47%10Y: 9.87%

IBOC - Free Cash Flow / Share

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IBOC Free Cash Flow / Share CAGR:1Y: -3.41%2Y: -8.10%5Y: 5.87%10Y: 10.52%

IBOC - Operating Income

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IBOC Operating Income CAGR:1Y: -3.85%2Y: -1.52%5Y: -0.60%10Y: 10.55%

IBOC - Gross Profit

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IBOC Gross Profit CAGR:1Y: -0.02%2Y: 1.18%5Y: 1.49%10Y: 5.13%

IBOC - Shares Outstanding

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IBOC Shares Outstanding CAGR:1Y: 0.04%2Y: -0.03%5Y: -0.40%10Y: -0.72%

IBOC - Share Buybacks

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IBOC Share Buybacks CAGR:1Y: -97.87%2Y: 0.00%5Y: 0.00%10Y: 0.00%

IBOC - Stock-Based Comp

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IBOC Stock-Based Comp CAGR:1Y: -28.57%2Y: -44.10%5Y: -33.34%10Y: -25.07%

IBOC - Expenses

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IBOC Expenses CAGR:1Y: 46.69%2Y: 55.60%5Y: 16.47%10Y: 9.83%

IBOC - Revenue vs Net Income

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IBOC - EPS vs FCF / Share

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IBOC - EPS vs PE Ratio

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IBOC - FCF vs FCF / Share

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IBOC - FCF vs Stock Based Comp

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IBOC - Cash & Debt

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IBOC - Revenue by Segment

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IBOC Revenue CAGR:1Y: -17.89%2Y: -8.96%5Y: 2.57%10Y: 5.69%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

IBOC - REVENUE: Actual + Estimates

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IBOC Actual Revenue CAGR:1Y: -17.89%2Y: -8.96%5Y: 2.57%10Y: 5.69%

IBOC - EPS: Actual + Estimates

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IBOC Actual EPS CAGR:1Y: -4.35%2Y: -0.64%5Y: 1.21%10Y: 13.09%

IBOC - NET INCOME: Actual + Estimates

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IBOC Actual Net Income CAGR:1Y: -4.32%2Y: -0.60%5Y: 0.81%10Y: 12.43%

IBOC - EBITDA: Actual + Estimates

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IBOC Actual EBITDA CAGR:1Y: -3.13%2Y: -1.25%5Y: -0.60%10Y: 7.52%

Ratios, Profit Margins & Return on Capital:

IBOC - Net Profit Margin

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IBOC Net Profit Margin CAGR:1Y: -5.25%2Y: -1.55%5Y: -5.70%10Y: 4.20%

IBOC - Gross Profit Margin

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IBOC Gross Profit Margin CAGR:1Y: -0.96%2Y: 0.23%5Y: -5.06%10Y: -2.56%

IBOC - Price to Earnings

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IBOC Price to Earnings CAGR:1Y: 19.29%2Y: 15.39%5Y: 10.78%10Y: -1.60%

IBOC - Price To Sales Ratio

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IBOC Price To Sales Ratio CAGR:1Y: 13.09%2Y: 13.59%5Y: 4.45%10Y: 2.52%

IBOC - Return on Capital Employed

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IBOC Return on Capital Employed CAGR:1Y: -80.25%2Y: -58.97%5Y: -10.96%10Y: 6.95%

IBOC - Return on Invested Capital

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IBOC Return on Invested Capital CAGR:1Y: -77.59%2Y: -55.19%5Y: -28.24%10Y: -7.37%

IBOC Dividends Info:

Annual Dividend: $1.46

Forward Yield: 2.15%

Ex-Dividend Date: 2026-08-14

Lifetime Dividends / Share: $20.10

IBOC Dividend History: Dates, Payments & Yield list

Below is a schedule of all IBOC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/14/2026	08/28/2026	$0.730	1.99%	2.06%	$70.93
02/13/2026	02/27/2026	$0.730	2.03%	2.18%	$67.11
08/15/2025	08/29/2025	$0.700	2.05%	1.96%	$71.54
02/14/2025	02/28/2025	$0.700	2.16%	2.09%	$67.00
08/14/2024	08/28/2024	$0.660	2.28%	2.11%	$62.62
02/08/2024	02/28/2024	$0.660	2.5%	2.58%	$51.08
02/14/2024	02/28/2024	$0.660	2.53%	2.58%	$51.08
08/10/2023	08/25/2023	$0.630	2.73%	2.79%	$45.12
02/14/2023	02/28/2023	$0.630	2.73%	2.6%	$48.53
08/15/2022	08/29/2022	$0.600	2.64%	2.87%	$41.78
02/14/2022	02/28/2022	$0.600	2.86%	2.79%	$43.01
08/19/2021	09/03/2021	$0.600	2.93%	2.85%	$42.04
02/04/2021	02/17/2021	$0.550	2.77%	2.6%	$42.23
09/18/2020	10/05/2020	$0.550	3.84%	3.97%	$27.71
03/31/2020	04/03/2020	$0.550	4.09%	4.45%	$24.73
09/27/2019	10/15/2019	$0.550	2.84%	2.81%	$39.11
03/29/2019	04/15/2019	$0.500	2.63%	2.48%	$40.35
10/05/2018	10/16/2018	$0.420	1.92%	2.04%	$41.23
03/29/2018	04/16/2018	$0.330	1.7%	1.65%	$40.10
09/28/2017	10/16/2017	$0.330	1.63%	1.59%	$41.50
03/30/2017	04/17/2017	$0.330	1.85%	1.94%	$34.10
09/28/2016	10/17/2016	$0.310	2.09%	2.09%	$29.71
03/30/2016	04/18/2016	$0.290	2.35%	2.26%	$25.66
09/28/2015	10/15/2015	$0.290	2.39%	2.24%	$25.92
03/30/2015	04/17/2015	$0.290	2.26%	2.26%	$25.69
09/26/2014	10/15/2014	$0.270	2.16%	2.25%	$23.97
03/28/2014	04/18/2014	$0.250	2.05%	2.15%	$23.30
09/26/2013	10/15/2013	$0.230	2.11%	2.05%	$22.47
03/27/2013	04/19/2013	$0.200	1.93%	2.11%	$18.94
09/26/2012	10/15/2012	$0.200	2.08%	2.2%	$18.22
03/29/2012	04/20/2012	$0.200	1.86%	2.01%	$19.91
09/28/2011	10/17/2011	$0.190	2.92%	2.37%	$16.02
03/24/2011	04/18/2011	$0.190	2.16%	2.2%	$17.29
09/28/2010	10/18/2010	$0.190	2.27%	2.16%	$17.60
03/30/2010	04/19/2010	$0.170	1.47%	1.45%	$23.45
10/15/2009	11/02/2009	$0.170	2.03%	2.18%	$15.57
04/23/2009	05/11/2009	$0.170	2.99%	2.37%	$14.32
09/26/2008	10/15/2008	$0.330	2.37%	2.78%	$23.72
03/27/2008	04/18/2008	$0.330	2.88%	2.73%	$24.15
10/11/2007	11/01/2007	$0.330	2.89%	3.2%	$20.61
04/12/2007	05/01/2007	$0.318	2.39%	2.41%	$26.41
10/12/2006	11/01/2006	$0.318	2.33%	2.36%	$27.01
04/12/2006	05/01/2006	$0.318	2.48%	2.45%	$26.00
04/13/2005	04/29/2005	$0.291	2.31%	2.22%	$26.15
10/13/2004	11/01/2004	$0.291	2.25%	2.16%	$26.91
04/13/2004	04/30/2004	$0.291	1.85%	1.88%	$30.99
09/26/2003	10/15/2003	$0.291	2.39%	2.19%	$26.53
03/27/2003	04/15/2003	$0.200	2.12%	2.04%	$19.61
09/25/2002	10/15/2002	$0.172	1.87%	2.03%	$16.99
03/26/2002	04/15/2002	$0.149	1.82%	1.67%	$17.81
09/26/2001	10/15/2001	$0.149	2.17%	2.12%	$14.06
03/28/2001	04/16/2001	$0.149	2.79%	2.6%	$11.47
09/27/2000	10/16/2000	$0.149	3.16%	3.25%	$9.16
03/29/2000	04/14/2000	$0.143	2.95%	2.86%	$10.01
09/28/1999	10/15/1999	$0.119	2.24%	2.22%	$10.72
03/29/1999	04/15/1999	$0.057	1.23%	1.2%	$9.53
09/28/1998	10/15/1998	$0.019	0.35%	0.4%	$9.58
04/01/1998	04/20/1998	$0.015	0.25%	0.24%	$12.77
04/01/1996	04/15/1996	$0.049	2.44%	2.5%	$3.90

Projected Future Returns & Dividends for IBOC

Based on past 10-year performance, here are IBOC growth metrics:

Share price CAGR of +8.64%
Dividend CAGR of +9.07%

Using IBOC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	IBOC (DRIP)	IBOC - No DRIP
Current Price	$68.03	$68.03
Start Shares	146.99	146.99
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	182.68	146.99
Dividends Payment	$1.74	$1.74
Annual Dividends	$636	$511
Yield on cost	6.36%	5.11%
Share Price	$155.78	$155.78
Total Dividends	$3,688	$3,272
Final Value	$28,457	$26,170

Estimated Future Value + Dividends - IBOC

NOTE: Above numbers are our estimate based on IBOC's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

International Bancshares Corporation (IBOC) had its IPO on 1995-08-30, and is traded on NASDAQ stock exchange.

International Bancshares Corporation (IBC), functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services. The institution facilitates checking and savings deposits and extends various loan products, including financing for commercial ventures, real estate, personal needs, home improvements, automobiles, and other installment or term-based credit. Moreover, IBC specializes in international banking, offering services such as letters of credit, commercial and industrial lending, and foreign currency exchange. Its supplementary offerings feature credit cards, secure safety deposit boxes, collection services, notary public, and escrow. The company also provides the convenience of drive-up and walk-up facilities, alongside other standard banking operations, online banking platforms, and access to securities products facilitated by external providers. As of February 28, 2022, International Bancshares Corporation maintained a substantial presence with 170 branch locations and 263 ATMs, serving 76 distinct communities across Texas and Oklahoma. Established in 1966, the corporation's primary corporate office is located in Laredo, Texas.

IBOC website: https://www.ibc.com

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DCF Model — IBOC

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $68.03

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →