International Bancshares
Texas and Oklahoma banking franchise serving local businesses, consumers, and cross-border trade.
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Profile
Offers commercial and consumer banking across Texas and Oklahoma, taking deposits and extending commercial, real estate, mortgage, and personal loans. Its single banking segment also provides cross-border trade finance and foreign exchange, with a sizable deposit base from customers in Mexico.
Operates five community-bank subsidiaries across Texas and Oklahoma, combining commercial banking with retail, mortgage, and digital services. Core offerings include checking and savings deposits; commercial, real estate, personal, automobile, and installment loans; cards; online and mobile banking; and third-party securities products. Some banks also provide letters of credit, commercial credit, and foreign exchange for international trade.
Local advisory boards help tailor products to community needs, while bilingual staff support customers connected to Mexico. The footprint spans northern, southern, central, and southeastern Texas plus Oklahoma, and Mexican-domiciled customers supply a large share of subsidiary-bank deposits. Earnings depend on deposit funding, lending spreads, local credit quality, and monetary policy. All subsidiary banks operate under federal and state banking regulation.
Company facts
Categories
Key statistics
Year to date +6.1% · Average volume (30d) 290.8K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 6, 2026Q2 FY26 | $1.61 | $1.54 | −4.3% | $264.1M | $264.1M | 0.0% | −1.04% |
| May 7, 2026Q1 FY26 | $1.68 | $1.64 | −2.4% | $257.3M | $257.3M | 0.0% | +0.01% |
| Feb 26, 2026Q4 FY25 | $1.63 | $1.71 | +4.9% | $270.6M | $270.6M | 0.0% | −5.17% |
| Nov 6, 2025Q3 FY25 | — | $1.74 | — | — | $272.6M | — | −0.19% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $251.6M | $261.6M | $272.6M | $270.6M | $257.3M | $264.1M | |
| Gross profit | $194.9M | $203.8M | $216.3M | $212.7M | $205.3M | $203.7M | |
| Operating income | $121.1M | $126.0M | $136.5M | $136.8M | $129.4M | $121.1M | |
| Net income | $96.9M | $100.1M | $108.4M | $106.9M | $102.2M | $95.8M | |
| Diluted EPS | $1.56 | $1.61 | $1.74 | $1.71 | $1.64 | $1.54 | |
| Gross margin | 77.4% | 77.9% | 79.3% | 78.6% | 79.8% | 77.1% | |
| Operating margin | 48.1% | 48.1% | 50.1% | 50.5% | 50.3% | 45.9% |
Fiscal years (4-quarter sums)FY21 $620.4M · FY22 $712.9M · FY23 $970.1M · FY24 $1.04B · FY25 $1.06B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $451.2M · Total debt $731.0M · Total assets $17.02B · Shareholders' equity $3.38B
Dividends
Raised for 16 straight years — most recently to $0.73 from $0.70 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 14, 2026 | Aug 14 | Aug 28 | $0.73 | |
| Feb 13, 2026 | Feb 13 | Feb 27 | $0.73 | raised from $0.70 |
| Aug 15, 2025 | Aug 15 | Aug 29 | $0.70 | |
| Feb 14, 2025 | Feb 14 | Feb 28 | $0.70 | raised from $0.66 |
| Aug 14, 2024 | Aug 14 | Aug 28 | $0.66 | |
| Feb 14, 2024 | Feb 15 | Feb 28 | $0.66 | raised from $0.63 |
| Aug 10, 2023 | Aug 11 | Aug 25 | $0.63 | |
| Feb 14, 2023 | Feb 15 | Feb 28 | $0.63 | raised from $0.60 |
Ownership
Shares outstanding 62.18M · Float 56.16M · 90.3% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 7.05M | 11.33% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 3.35M | 5.39% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 3.26M | 5.24% | 13F | Aug 11, 2026 |
| American Century Companies Inc | 3.13M | 5.03% | 13F | Aug 12, 2026 |
| State Street Corp | 2.81M | 4.52% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 21, 2026 | Larry A. Norton | director | −10,000 | $72.00 |
Peers
- Cullen/Frost Bankers
Texas banking scale with Mexico-linked international services
- Prosperity Bancshares
Broad Texas/Oklahoma community-bank overlap
- Texas Capital
Texas business-bank rival in loans, deposits, and treasury
- BancFirst
Oklahoma and North Texas local-bank rival
- First Financial Bankshares
Texas community-bank peer in local loans and deposits
- Hilltop
Texas banking and mortgage rival via PlainsCapital
- Southside Bancshares
Texas community-bank overlap in loans, deposits, and wealth
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| International Bancshares | $70.93 | +0.01% | $4.41B | 10.7 | 10.9 | 4.1 | +1.0% |
| Cullen/Frost Bankers | $161.69 | −0.01% | $10.05B | 15.3 | 14.3 | 3.8 | +9.4% |
| Prosperity Bancshares | $72.30 | +0.01% | $8.69B | 12.5 | 10.8 | 4.9 | +25.9% |
| Texas Capital | $98.87 | +0.22% | $4.29B | 12.9 | 12.9 | 2.2 | +9.1% |
| BancFirst | $110.55 | +0.02% | $3.71B | 14.9 | 14.1 | 4.8 | +10.7% |
| First Financial Bankshares | $33.39 | +0.03% | $4.78B | 17.9 | 15.8 | 5.5 | +10.3% |
| Hilltop | $38.50 | +0.08% | $2.21B | 14.3 | 16.6 | 1.4 | +4.1% |
| Southside Bancshares | $31.88 | −0.06% | $948.5M | 12.6 | 10.1 | 2.1 | +10.2% |
| Median | 14.3 | 14.1 | 3.8 | +10.2% |