IBOC

LAREDO, Texas, August 06, 2026--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the six months ended June 30, 2026 of $198.0 million or $3.18 diluted earnings per common share ($3.18 per share basic), compared to $197.0 million or $3.16 diluted earnings per common share ($3.17 per share basic), which represents an increase of 0.5% in net income and 0.6% in diluted earnings per share over the corresponding period of 2025. Net income for the three months ended June 30, 2026 was $95.8 million or $1.54 diluted earnings per common share ($1.54 per share basic) compared to $100.1 million or $1.61 diluted earnings per common share ($1.61 per share basic), which represents a decrease of 4.3% in net income and 4.3% in diluted earnings per share over the corresponding period of 2025. Net income for the first six months of 2026 continued to be positively affected by interest earned on our investment and loan portfolios driven primarily by both an increase in the size of those portfolios and the current rate environment. Net interest income was also positively affected by a decrease in interest expense, primarily driven by a redistribution in rates paid on deposits. We continue to closely monitor rates paid on deposits to remain competitive to grow and retain deposits. The strong net income reported for 2026 compared to the same period of 2025 was negatively impacted by an increase in our provision for credit loss expense, driven primarily by an increase in the size of our loan portfolio, a change in the level of non-accrual loan balances and the reevaluation of the specific provisions for credit losses related to those loans. Although the provision for credit losses has increased, no actual losses on those loans have been, or may ever be, realized. "We are pleased with the consistency of our public company industry-leading financial results in the first half of 2026. We have historically been very focused and vigilant on delivering superior customer service, continued execution of our long-standing practices of balance sheet, asset, liability and liquidity management, strong cost controls, and evaluating processes for efficiencies across our organization using, among other things, AI initiatives, and we will continue to do so as we move through the second half of 2026. We know and believe that with continued focus on these established and long-standing practices, we will continue to deliver public company industry-leading financial results," said Dennis E. Nixon, president and CEO. Total assets at June 30, 2026 were approximately $17.0 billion compared to approximately $16.6 billion at Dec. 31, 2025. Total net loans were approximately $9.7 billion at June 30, 2026, compared to approximately $9.3 billion at Dec. 31, 2025. Deposits were approximately $12.7 billion at June 30, 2026, compared to approximately $12.4 billion at Dec. 31, 2025. IBC is a multi-bank financial holding company headquartered in Laredo, Texas, with 165 facilities and 245 ATMs serving 75 communities in Texas and Oklahoma. "Safe Harbor" statement under the Private Securities Litigation Reform Act of 1995: The statements contained in this release which are not historical facts contain forward looking information with respect to plans, projections or future performance of IBC and its subsidiaries, the occurrence of which involve certain risks and uncertainties detailed in IBC’s filings with the Securities and Exchange Commission. Copies of IBC’s SEC filings and Annual Report (as an exhibit to the 10-K) may be downloaded from the SEC filings site located at http://www.sec.gov/edgar.shtml. View source version on businesswire.com: https://www.businesswire.com/news/home/20260806581504/en/ Contacts Judith Wawroski,Treasurer and Chief Financial OfficerInternational Bancshares Corporation(956) 722-7611

LAREDO, Texas, May 07, 2026--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the three months ended March 31, 2026 of $102.2 million or $1.64 diluted earnings per common share ($1.64 per share basic) compared to $96.9 million or $1.56 diluted earnings per common share ($1.56 per share basic), which represents an increase of 5.5% in net income and 5.1% in diluted earnings per share over the corresponding period of 2025. Net income for the first quarter of 2026 continued to be positively affected by interest earned on our investment and loan portfolios driven primarily by both an increase in the size of those portfolios and the current rate environment. Net interest income was affected by a decrease in interest expense, primarily driven by a redistribution in rates paid on environment. Net interest income was affected by a decrease in interest expense, primarily driven by a redistribution in rates paid on deposits. We continue to closely monitor rates paid on deposits to remain competitive to grow and retain deposits. "We are pleased with the consistency and sustainability of our industry-leading financial results in the first quarter of 2026. As we move through the rest of 2026, we will remain focused and vigilant on delivering superior customer service, continued execution of our long-standing practices of balance sheet, asset, liability and liquidity management, strong cost controls and evaluating processes for efficiencies across our organization using, among other things, AI initiatives. We believe that with continued focus on these established and long-standing practices, we will continue to deliver industry-leading financial results," said Dennis E. Nixon, president and CEO. Total assets at March 31, 2026, were approximately $16.8 billion compared to approximately $16.6 billion at Dec. 31, 2025. Total net loans were approximately $9.5 billion at March 31, 2026, compared to approximately $9.3 billion at Dec. 31, 2025. Deposits were approximately $12.6 billion at March 31, 2026, compared to approximately $12.4 billion at Dec. 31, 2025. IBC is a multi-bank financial holding company headquartered in Laredo, Texas, with 165 facilities and 247 ATMs serving 75 communities in Texas and Oklahoma. "Safe Harbor" statement under the Private Securities Litigation Reform Act of 1995: The statements contained in this release which are not historical facts contain forward looking information with respect to plans, projections or future performance of IBC and its subsidiaries, the occurrence of which involve certain risks and uncertainties detailed in IBC’s filings with the Securities and Exchange Commission. Copies of IBC’s SEC filings and Annual Report (as an exhibit to the 10-K) may be downloaded from the SEC filings site located at http://www.sec.gov/edgar.shtml. View source version on businesswire.com: https://www.businesswire.com/news/home/20260507016160/en/ Contacts Judith Wawroski, Treasurer and Chief Financial Officer International Bancshares Corporation (956) 722-7611

LAREDO, Texas, February 26, 2026--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported annual net income for 2025 of approximately $412.3 million or $6.62 diluted earnings per common share ($6.63 per share basic) compared to approximately $409.2 million or $6.57 diluted earnings per common share ($6.58 per share basic), which represents an increase of approximately 0.8 percent in diluted earnings per share and 0.8 percent increase in net income over the corresponding period in 2024. Net income for the three months ended December 31, 2025 was approximately $106.9 million or $1.71 diluted earnings per common share ($1.72 per share basic), compared to approximately $115.1 million or $1.85 diluted earnings per common share ($1.85 per share basic) for the same period in 2024, representing a decrease of approximately 7.1 percent in net income and a 7.6 percent decrease in diluted earnings per share. Net income for 2025 continued to be positively impacted by an increase in interest income earned on our investment and loan portfolios driven primarily by both an increase in the size of our investment and loan portfolios and the current rate environment. Net interest income has been negatively impacted by an increase in interest expense, primarily driven by increases in rates paid on deposits. We continue to closely monitor and adjust rates paid on deposits to remain competitive to grow and retain deposits. "We are extremely pleased and proud to continue our industry-leading financial results in 2025, which has kept us at the top of the rankings compared to other publicly held bank holding companies in America. As we move into 2026, we will remain focused and vigilant on delivering superior customer service, continued execution of our long-standing practices of balance sheet, asset, liability, and liquidity management, strong cost controls, and evaluating processes for efficiencies across our organization using new AI initiatives. We believe that with continued focus on these established practices we will continue to deliver industry-leading financial results," said Dennis E. Nixon, president and CEO. Total assets at Dec. 31, 2025 were approximately $16.6 billion compared to approximately $15.7 billion at Dec. 31, 2024. Total net loans were approximately $9.3 billion at Dec. 31, 2025 compared to approximately $8.7 billion at Dec. 31, 2024. Deposits were approximately $12.4 billion at Dec. 31, 2025 compared to approximately $12.1 billion at Dec. 31, 2024. IBC is a multi-bank financial holding company headquartered in Laredo, Texas, with 165 facilities and 247 ATMs serving 75 communities in Texas and Oklahoma. "Safe Harbor" statement under the Private Securities Litigation Reform Act of 1995: The statements contained in this release which are not historical facts contain forward looking information with respect to plans, projections or future performance of IBC and its subsidiaries, the occurrence of which involve certain risks and uncertainties detailed in IBC’s filings with the Securities and Exchange Commission. Copies of IBC’s SEC filings and Annual Report (as an exhibit to the 10-K) may be downloaded from the SEC filings site located at http://www.sec.gov/edgar.shtml. View source version on businesswire.com: https://www.businesswire.com/news/home/20260226195775/en/ Contacts Judith I. Wawroski, Treasurer and Chief Financial Officer International Bancshares Corporation (956) 722-7611

Stock pickers are generally looking for stocks that will outperform the broader market. And the truth is, you can make significant gains if you buy good quality businesses at the right price. For example, long term International Bancshares Corporation (NASDAQ:IBOC) shareholders have enjoyed a 94% share price rise over the last half decade, well in excess of the market return of around 68% (not including dividends). Since it's been a strong week for International Bancshares shareholders, let's have a look at trend of the longer term fundamentals. We've found 21 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free. While the efficient markets hypothesis continues to be taught by some, it has been proven that markets are over-reactive dynamic systems, and investors are not always rational. One imperfect but simple way to consider how the market perception of a company has shifted is to compare the change in the earnings per share (EPS) with the share price movement. During five years of share price growth, International Bancshares achieved compound earnings per share (EPS) growth of 21% per year. This EPS growth is higher than the 14% average annual increase in the share price. Therefore, it seems the market has become relatively pessimistic about the company. The reasonably low P/E ratio of 10.19 also suggests market apprehension. The graphic below depicts how EPS has changed over time (unveil the exact values by clicking on the image). Before buying or selling a stock, we always recommend a close examination of historic growth trends, available here. As well as measuring the share price return, investors should also consider the total shareholder return (TSR). The TSR is a return calculation that accounts for the value of cash dividends (assuming that any dividend received was reinvested) and the calculated value of any discounted capital raisings and spin-offs. Arguably, the TSR gives a more comprehensive picture of the return generated by a stock. As it happens, International Bancshares' TSR for the last 5 years was 120%, which exceeds the share price return mentioned earlier. The dividends paid by the company have thusly boosted the total shareholder return. Investors in International Bancshares had a tough year, with a total loss of 1.9% (including dividends), against a market gain of about 14%. However, keep in mind that even the best stocks will sometimes underperform the market over a twelve month period. Longer term investors wouldn't be so upset, since they would have made 17%, each year, over five years. If the fundamental data continues to indicate long term sustainable growth, the current sell-off could be an opportunity worth considering. Before spending more time on International Bancshares it might be wise to click here to see if insiders have been buying or selling shares. But note: International Bancshares may not be the best stock to buy. So take a peek at this free list of interesting companies with past earnings growth (and further growth forecast). Please note, the market returns quoted in this article reflect the market weighted average returns of stocks that currently trade on American exchanges. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to investors, even if it currently lacks a track record of revenue and profit. But as Peter Lynch said in One Up On Wall Street, 'Long shots almost never pay off.' Loss making companies can act like a sponge for capital - so investors should be cautious that they're not throwing good money after bad. In contrast to all that, many investors prefer to focus on companies like International Bancshares (NASDAQ:IBOC), which has not only revenues, but also profits. While profit isn't the sole metric that should be considered when investing, it's worth recognising businesses that can consistently produce it. This technology could replace computers: discover the 20 stocks are working to make quantum computing a reality. The market is a voting machine in the short term, but a weighing machine in the long term, so you'd expect share price to follow earnings per share (EPS) outcomes eventually. Therefore, there are plenty of investors who like to buy shares in companies that are growing EPS. Impressively, International Bancshares has grown EPS by 19% per year, compound, in the last three years. If growth like this continues on into the future, then shareholders will have plenty to smile about. Top-line growth is a great indicator that growth is sustainable, and combined with a high earnings before interest and taxation (EBIT) margin, it's a great way for a company to maintain a competitive advantage in the market. Our analysis has highlighted that International Bancshares' revenue from operations did not account for all of their revenue in the previous 12 months, so our analysis of its margins might not accurately reflect the underlying business. EBIT margins for International Bancshares remained fairly unchanged over the last year, however the company should be pleased to report its revenue growth for the period of 2.8% to US$822m. That's encouraging news for the company! You can take a look at the company's revenue and earnings growth trend, in the chart below. To see the actual numbers, click on the chart. Check out our latest analysis for International Bancshares While profitability drives the upside, prudent investors always check the balance sheet, too. It should give investors a sense of security owning shares in a company if insiders also own shares, creating a close alignment their interests. So it is good to see that International Bancshares insiders have a significant amount of capital invested in the stock. Indeed, they have a considerable amount of wealth invested in it, currently valued at US$404m. Investors will appreciate management having this amount of skin in the game as it shows their commitment to the company's future. You can't deny that International Bancshares has grown its earnings per share at a very impressive rate. That's attractive. With EPS growth rates like that, it's hardly surprising to see company higher-ups place confidence in the company through continuing to hold a significant investment. The growth and insider confidence is looked upon well and so it's worthwhile to investigate further with a view to discern the stock's true value. We should say that we've discovered 1 warning sign for International Bancshares that you should be aware of before investing here. Although International Bancshares certainly looks good, it may appeal to more investors if insiders were buying up shares. If you like to see companies with more skin in the game, then check out this handpicked selection of companies that not only boast of strong growth but have strong insider backing. Please note the insider transactions discussed in this article refer to reportable transactions in the relevant jurisdiction. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

LAREDO, Texas, November 06, 2025--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the three months ended Sept. 30, 2025 of $108.4 million or $1.74 diluted earnings per common share ($1.74 per share basic) compared to approximately $99.8 million or $1.60 diluted earnings per common share ($1.60 per share basic), which represents an increase of 8.8% in diluted earnings per share and an increase of 8.6% in net income over the corresponding period in 2024. Net income for the nine months ended Sept. 30, 2025 was $305.4 million or $4.91 diluted earnings per common share ($4.91 per share basic) compared to $294.1 million or $4.72 diluted earnings per common share ($4.73 per share basic), which represents an increase of 3.8% in net income and 4.0% in diluted earnings per share over the corresponding period of 2024. Net income for the first nine months of 2025 continues to be positively impacted by an increase in interest income earned on our investment and loan portfolios, as discussed in prior periods. Net interest income has also continued to be negatively impacted by an increase in interest expense, primarily driven by increases in rates paid on deposits. We continue to closely monitor and adjust rates paid on deposits to remain competitive to grow and retain deposits, especially in light of the recent action by the Federal Reserve Board to decrease interest rates. Net income for the first nine months of 2025 was also positively impacted by a decrease in our provision for credit loss expense. "As we move to the last quarter of 2025, we are extremely pleased and proud to continue our industry-leading financial results. We will remain focused and vigilant on delivering superior customer service, and continued execution of our long-standing practices of balance sheet, asset, liability and liquidity management, and strong cost controls. We believe that with continued focus on these established practices supported by new AI initiatives to create efficiencies across our system, we will continue to deliver industry-leading financial results. We believe this focus will continue to keep us at the top of the rankings when compared to other publicly held banks in America," said Dennis E. Nixon, president and CEO. Total assets at Sept. 30, 2025 were approximately $16.6 billion compared to approximately $15.7 billion at Dec. 31, 2024. Total net loans were approximately $9.2 billion at Sept. 30, 2025 compared to approximately $8.7 billion at Dec. 31, 2024. Deposits were approximately $12.5 billion at Sept. 30, 2025 compared to approximately $12.1 billion at Dec. 31, 2024. IBC is a multi-bank financial holding company headquartered in Laredo, Texas, with 166 facilities and 255 ATMs serving 75 communities in Texas and Oklahoma. "Safe Harbor" statement under the Private Securities Litigation Reform Act of 1995: The statements contained in this release which are not historical facts contain forward looking information with respect to plans, projections or future performance of IBC and its subsidiaries, the occurrence of which involve certain risks and uncertainties detailed in IBC’s filings with the Securities and Exchange Commission. Copies of IBC’s SEC filings and Annual Report (as an exhibit to the 10-K) may be downloaded from the SEC filings site located at http://www.sec.gov/edgar.shtml. View source version on businesswire.com: https://www.businesswire.com/news/home/20251106014778/en/ Contacts Judith Wawroski, Chief Financial Officer International Bancshares Corporation (956) 722-7611