IBOC Q4 2025 Earnings — International Bancshares Corporation Revenue & Financial Results | Market Cap Arena

IBOCInternational Bancshares Corporation

$4B

Q4 2025 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$271M+3.0% YoY

Gross Profit

$213M78.6% margin

Operating Income

$137M50.5% margin

Net Income

$107M39.5% margin

EPS (Diluted)

$1.71

QoQ Revenue Growth

-0.7%

Cash Flow

Operating Cash Flow

$160M

Free Cash Flow

$156M

Stock-Based Comp.

$0

Balance Sheet

Total Assets

$16.7B

Total Liabilities

$13.4B

Stockholders' Equity

$3.3B

Cash & Equivalents

$536M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$271M	$263M	+3.0%
Gross Profit	$213M	$207M	+2.8%
Operating Income	$137M	$134M	+2.3%
Net Income	$107M	$115M	-7.1%

Revenue Segments

Services charges on deposit accounts

$19M52%

Other service charges, commissions and fees Banking

$15M40%

Other service charges, commissions and fees, Non-banking

$3M8%