Filing Flows › International Bancshares (IBOC) › Q3 2026
International Bancshares (IBOC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
International Bancshares (IBOC) reported revenue of $229M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +7% from the quarter before. Operating margin was 63.2%, net earnings $114M (50.0% of revenue).
International Bancshares, Q3 2026: revenue $229M (+5% year over year), operating margin 63.2%, net earnings $114M, operating cash flow $127M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $229M | +7% | +5% |
| Operating profit | $145M | +19% | +6% |
| Net earnings | $114M | +19% | +6% |
| Operating cash flow | $127M | +34% | +10% |
| Free cash flow | $123M | +39% | +10% |
What changed
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.
Questions
What was International Bancshares' revenue in the third quarter 2026?
International Bancshares (IBOC) reported revenue of $229M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +7% from the quarter before.
Was International Bancshares profitable in the third quarter 2026?
Operating profit was $145M (63.2% of revenue) and net earnings $114M.