Filing Flows › International Bancshares (IBOC) › Q3 2026 › vs Q3 2025
International Bancshares (IBOC) Q3 2026 vs Q3 2025 (year over year)
International Bancshares's revenue rose $10.8M (+5%) from $218M in Q3 2025 to $229M in Q3 2026. The biggest changes: Noninterest income +$8.6M (+19%); Net interest income +$2.3M (+1%). Operating margin 63.2% against 62.6% (+0.6 pts).
International Bancshares, Q3 2026: revenue $229M (+5% year over year), operating margin 63.2%, net earnings $114M, operating cash flow $127M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 63.2% | 62.6% | +0.6 pts |
| Net margin | 50.0% | 49.7% | +0.3 pts |
| Free cash flow margin | 53.8% | 51.5% | +2.3 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $174M | $172M | $2.3M | +1% |
| Noninterest income | $54.4M | $45.9M | $8.6M | +19% |
| Revenue | $229M | $218M | $10.8M | +5% |
| Operating profit | $145M | $136M | $8.1M | +6% |
| Costs & expenses | $84.3M | $81.6M | $2.7M | +3% |
| Pre-tax earnings | $145M | $136M | $8.1M | +6% |
| Credit loss provision | $1.6M | $1.8M | −$202K | -11% |
| Noninterest expense | $82.6M | $79.8M | $2.9M | +4% |
| Net earnings | $114M | $108M | $6.1M | +6% |
| Income tax | $30.2M | $28.1M | $2.0M | +7% |
| Share-based compensation | $14K | $20K | −$6K | -30% |
| Working capital & other | $12.2M | $6.8M | $5.5M | +81% |
| Operating cash flow | $127M | $115M | $11.6M | +10% |
| Free cash flow (OCF − capex) | $123M | $112M | $10.9M | +10% |
| Capital expenditures | $3.6M | $2.9M | $676K | +23% |
Questions
How much did International Bancshares's revenue grow year over year in Q3 2026?
International Bancshares's revenue rose $10.8M (+5%) from $218M in Q3 2025 to $229M in Q3 2026.
What drove International Bancshares's revenue change in Q3 2026?
Noninterest income +$8.6M (+19%); Net interest income +$2.3M (+1%).