Filing Flows › Financials › International Bancshares (IBOC)
International Bancshares (IBOC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · International Bancshares (IBOC) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $229M · 50¢ of every $1 of revenue kept as net profit · operating margin 63.2%
International Bancshares made $229M in Q3 2026 (+5% Y/Y): Net interest income $174M, Noninterest income $54.4M. Operating margin 63.2%, net earnings $114M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $228.9M in Q3 2026, up 5% year over year and up 7% from the previous quarter. Net interest income was the largest line at 76% of revenue. Noninterest income added $8.6M year over year (up 19%), 79% of the total change.
Operating profit was $144.6M, a 63.2% margin (up 0.6 points year over year). Of the extra revenue versus a year earlier, 75% reached operating profit, above the 63% margin then. Total costs grew 3% against revenue growth of 5%. Net earnings were $114.5M, up 6% year over year. The effective tax rate was 20.8%.
Operating cash flow was $126.7M (up 10% year over year), 111% of net earnings. Non-cash charges added back $14K of share-based compensation. Working capital and other items added $12.2M. Capital expenditures of $3.6M left free cash flow of $123.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $229M | +5% | 63.2% | $114M | $127M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About International Bancshares
We are a registered multibank financial holding company providing a diversified range of commercial and retail banking services in our main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma. We were organized and we operate as a bank holding company within the meaning of the Bank Holding Company Act of 1956 (BHCA). As a bank holding company, we may own one or more banks and may engage in activities closely related to banking. In this regard, we are subject to supervision and regulation by the Board of Governors of the Federal Reserve System (FRB). In addition, all five of our wholly owned banking subsidiaries are members of and subject to regulation by the Federal Deposit Insurance Corporation (FDIC). Our principal corporate offices are located in Laredo, Texas.
In its own words, from its 10-K, filed Feb 26, 2026.
International Bancshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +10%. Operating margin: 63.2% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| IBOC International Bancshares | Q3 2026 | $229M | +5% | 63.2% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: International Bancshares 10-Q on SEC EDGAR · CIK 315709 · State Commercial Banks
Guidance and outlook
13F: who owns IBOC and who is buying
More on IBOC
- How International Bancshares makes money: revenue by segment
- International Bancshares next earnings date and what analysts expect
- International Bancshares stock forecast, price target and fair value
- Who owns International Bancshares stock: holders, funds and Congress trades
- International Bancshares guidance and outlook
History
Every quarter: Q3 2026 results