logo
logo
International Bancshares Corporation

International Bancshares Corporation

NASDAQ•IBOC
CEO: Mr. Dennis Edward Nixon
セクター: Financial Services
業種: Banks - Regional
上場日: 1995-08-30
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. The company was founded in 1966 and is headquartered in Laredo, Texas.
連絡先情報
1200 San Bernardo Avenue, Laredo, TX, 78042-1359, United States
956-722-7611
www.ibc.com
時価総額
$4.48B
PER (TTM)
10.7
15
配当利回り
2.0%
52週高値
$75.44
52週安値
$54.11
52週レンジ
84%
順位32Top 23.6%
4.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$272.63M+2.30%
直近4四半期の推移

EPS

$1.74+9.00%
直近4四半期の推移

フリーCF

$112.22M+2.42%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Loan and Deposit Expansion Net loans grew 6.8% to $9.25B; Deposits increased 2.8% to $12.46B compared to year-end 2024.
Net Income Growth Nine-month net income rose 3.9% to $305.41M, supported by higher interest income from elevated rates.
Credit Provision Easing Provision for credit losses dropped significantly, decreasing 68.5% for the nine months to $9.55M.
Capital Ratios Strengthening CET1 ratio improved to 23.20% as of September 30, 2025, exceeding regulatory minimums comfortably.

リスク要因

Non-Interest Expense Rise Total non-interest expense increased 5.2% year-to-date, primarily driven by higher employee compensation costs.
Non-Interest Income Dip Nine-month non-interest income decreased 4.7%, negatively impacted by losses recorded on merchant banking investments.
Interest Rate Risk Monitoring Management actively manages interest rate risk, noting asset sensitivity in both short-term and long-term gaps.
Commercial Real Estate Exposure Credit quality monitoring remains focused on the large commercial real estate portfolio amid economic uncertainty.

見通し

NII Environment Outlook Net interest income expected to benefit from sustained elevated interest rates, despite competitive deposit costs.
Capital Adequacy Maintenance Will continue monitoring capital levels to ensure compliance with fully phased-in Basel III requirements.
Expense Control Focus Management maintains focus on controlling controllable non-interest expenses to align with revenue streams.
Credit Loss Expectations ACL adequacy depends on economic factors; management will adjust provisioning based on evolving portfolio conditions.

同業比較

売上高 (TTM)

M&T Bank CorporationMTB
$12.31B
-8.2%
Grupo Aval Acciones y Valores S.A.AVAL
$8.75B
-3.5%
Webster Financial CorporationWBS
$4.42B
+5.8%

粗利益率 (最新四半期)

BancFirst CorporationBANF
100.0%
+29.6pp
International Bancshares CorporationIBOC
79.3%
+3.1pp
First Financial Bankshares, Inc.FFIN
76.2%
+2.4pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
MTB$35.15B13.19.9%6.1%
WBS$11.47B11.410.7%5.1%
CADE$7.85B14.79.1%4.1%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.2%
緩やかな成長
4四半期純利益CAGR
-2.0%
収益性の安定
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年2月25日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $272.63M+2.3%
    |
    EPS: $1.74+9.0%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $261.63M+0.9%
    |
    EPS: $1.61+3.2%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月5日|
    売上高: $251.64M-1.1%
    |
    EPS: $1.56-0.6%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月27日|
    売上高: $1.04B+7.5%
    |
    EPS: $6.58-0.8%
    不明

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月7日|
    売上高: $266.50M+6.8%
    |
    EPS: $1.60-3.6%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月1日|
    売上高: $259.19M+9.9%
    |
    EPS: $1.56-3.7%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月2日|
    売上高: $254.33M+11.3%
    |
    EPS: $1.57-4.3%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月26日|
    売上高: $970.10M+36.1%
    |
    EPS: $6.63+38.4%
    予想を上回る