Filing Flows › International Bancshares (IBOC) › How it makes money
How International Bancshares (IBOC) makes money
International Bancshares (IBOC) made $229M of revenue in the third quarter 2026 (Q3 2026), +5% from a year earlier. Net interest income brought in $174M (76%); Noninterest income brought in $54.4M (24%). Of every dollar of revenue, 63¢ was left as operating profit, 50¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $174M | 76.2% | +2% | +1% |
| Noninterest income | $54.4M | 23.8% | +24% | +19% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $229M | 100.0% |
| Operating profit | $145M | 63.2% |
| Income tax | $30.2M | 13.2% |
| Net earnings | $114M | 50.0% |
| Operating cash flow | $127M | 55.4% |
| Free cash flow | $123M | 53.8% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $229M | +5% |
From International Bancshares' 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does International Bancshares make money?
International Bancshares (IBOC) made $229M of revenue in the third quarter 2026 (Q3 2026), +5% from a year earlier. Net interest income brought in $174M (76%); Noninterest income brought in $54.4M (24%). Of every dollar of revenue, 63¢ was left as operating profit, 50¢ was left as net earnings.
What is International Bancshares' biggest business?
Net interest income: $174M in the third quarter 2026, 76% of revenue, +1% from a year earlier.
What is International Bancshares' profit margin?
Net earnings were $114M, 50.0% of revenue, in the third quarter 2026; the operating margin was 63.2%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.