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International Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$123M in Q3 2026 · $464M over twelve months

Operating cash flow$127M
Capital spending−$3.6M
Free cash flow+$123M
Cash / net income1.1×

Analysis

In Q3 2026, International Bancshares generated $127M of operating cash flow and spent $3.6M on capital projects, leaving free cash flow of $123M. That is $10.9M more than in Q3 2025 ($112M).

Over the twelve months to Sep 30, 2026, operating cash flow was $482M; the largest uses were other investing ($653M), dividends ($90.8M), capital spending ($17.9M); besides operations, cash came from other financing ($450M), shares issued ($1.3M); the cash balance rose by $170M.

Operating cash flow was $127M against net income of $114M — 1.1× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$15.2M, other liabilities +$4.1M, deferred taxes +$2.4M.

Free cash flow

International Bancshares: free cash flow by quarterInternational Bancshares: free cash flow by quarter$117MQ4 2024$133MQ1 2025$91.6MQ2 2025$112MQ3 2025$136MQ4 2025$116MQ1 2026$88.6MQ2 2026$123MQ3 2026
Operating cash flow less capital spending.
International Bancshares: operating cash flow against capital spendingInternational Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$115M−$1.6MQ4 2024$140M$7.4MQ1 2025$95.5M$3.9MQ2 2025$115M$2.9MQ3 2025$140M$3.9MQ4 2025$121M$4.7MQ1 2026$94.2M$5.7MQ2 2026$127M$3.6MQ3 2026
Latest (Q3 2026): Operating cash flow $127M, Capital spending $3.6M.

Capital allocation, year by year

International Bancshares: where the cash came from (up) and went (down), by fiscal yearInternational Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $292MFY2021: Shares issued $2.4MFY2021: Asset sales $11.4MFY2021: Capital spending −$10.4MFY2021: Buybacks −$716KFY2021: Dividends −$72.8M$306MFY2021FY2022: Operating cash flow $388MFY2022: Shares issued $1.5MFY2022: Asset sales $13.5MFY2022: Capital spending −$19.2MFY2022: Buybacks −$52.0MFY2022: Dividends −$75.4M$403MFY2022FY2023: Operating cash flow $474MFY2023: Net borrowing −$25.8MFY2023: Shares issued $1.2MFY2023: Asset sales $269KFY2023: Capital spending −$27.5MFY2023: Buybacks −$4.6MFY2023: Dividends −$78.2M$476MFY2023FY2024: Operating cash flow $474MFY2024: Shares issued $3.8MFY2024: Asset sales $874KFY2024: Capital spending −$14.1MFY2024: Buybacks −$963KFY2024: Dividends −$82.1M$479MFY2024FY2025: Operating cash flow $491MFY2025: Shares issued $1.5MFY2025: Asset sales $23KFY2025: Capital spending −$18.1MFY2025: Buybacks −$4.6MFY2025: Dividends −$87.1M$493MFY2025
Over these 5 years operating cash flow totalled $2.1B; the largest uses were dividends ($396M) and capital spending ($89.4M). Cash-flow statements as filed.

Where the cash came from and went

International Bancshares: sources (+) and uses (−) of cash, Q3 2026International Bancshares: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$308MOther financing$222MOperating cash flow$127MDividends−$45.4MOther investing$8.5MCapital spending−$3.6MBuybacks−$516KShares issued$360K
International Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026International Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$653MOperating cash flow$482MOther financing$450MCash drawn (+) / kept (−)−$170MDividends−$90.8MCapital spending−$17.9MShares issued$1.3MBuybacks−$735KAsset & business sales$51K

From profit to cash

International Bancshares: net income to operating cash flow, Q3 2026International Bancshares: net income to operating cash flow, Q3 2026Net income$114MStock-based pay$14KDeferred taxes$2.4MPrepaid and other assets$15.2MOther liabilities$4.1MOperating cash flow$127M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$127M−$3.6M−$516K−$45.4M$360K−$308M$123M
Q2 2026$94.2M−$5.7M−$97K—$311K$135M$88.6M
Q1 2026$121M−$4.7M−$60K−$45.4M$435K−$49.5M$116M
Q4 2025$140M−$3.9M−$62K−$1K$218K$52.8M$136M
Q3 2025$115M−$2.9M—−$43.5M$455K$143M$112M
Q2 2025$95.5M−$3.9M——$450K−$142M$91.6M
Q1 2025$140M−$7.4M—−$43.5M$343K−$237M$133M
Q4 2024$115M$1.6M−$221K—$462K$427M$117M

International Bancshares: income statement and cash flow

International Bancshares, Q3 2026: revenue $229M (+5% year over year), operating margin 63.2%. The chart follows the revenue to costs, profit and cash.

International Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.