IBOCInternational Bancshares Corporation

$4B

FY 2020 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$578M-10.8% YoY

Gross Profit

$493M85.4% margin

Operating Income

$212M36.7% margin

Net Income

$167M29.0% margin

EPS (Diluted)

$2.62

Cash Flow

Operating Cash Flow

$305M

Free Cash Flow

$298M

Stock-Based Comp.

$743,000

Balance Sheet

Total Assets

$14.0B

Total Liabilities

$11.9B

Stockholders' Equity

$2.2B

Cash & Equivalents

$2.0B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$578M	$647M	-10.8%
Gross Profit	$493M	$570M	-13.5%
Operating Income	$212M	$260M	-18.5%
Net Income	$167M	$205M	-18.4%

IBOC FY 2020 Earnings — International Bancshares Corporation Revenue & Financial Results | Market Cap Arena