International Bancshares profit margin IBOC
Gross, operating and net profit as a share of revenue over the last twelve months, from 2010.
- Net margin, 12 months
- 48.1%
- Net margin on a year earlier
- −1.7 pts
- Peer median
- 36.0%
Over the twelve months to Jun 30, 2026, International Bancshares kept 48.1% of its revenue as net profit.
Five years earlier its net margin was 40.3%.
The median for 10 regional banks of a similar size is 36.0%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin |
|---|---|
| FY2025 | 49.0% |
| FY2024 | 49.1% |
| FY2023 | 49.4% |
| FY2022 | 44.5% |
| FY2021 | 42.8% |
| FY2020 | 31.1% |
| FY2019 | 34.8% |
| FY2018 | 37.3% |
| FY2017 | 29.9% |
| FY2016 | 26.4% |
| FY2015 | 26.9% |
| FY2014 | 29.1% |
| FY2013 | 25.4% |
| FY2012 | 21.5% |
| FY2011 | 24.2% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year |
|---|---|---|---|
| Q2 FY26 | 48.1% | −1.7 pts | |
| Q1 FY26 | 49.0% | −0.5 pts | |
| Q4 FY25 | 49.0% | −0.1 pts | |
| Q3 FY25 | 50.5% | +2.6 pts | |
| Q2 FY25 | 49.8% | +1.6 pts | |
| Q1 FY25 | 49.5% | +0.6 pts | |
| Q4 FY24 | 49.1% | −0.3 pts | |
| Q3 FY24 | 47.9% | −1.8 pts | |
| Q2 FY24 | 48.2% | −0.3 pts | |
| Q1 FY24 | 48.9% | +2.2 pts | |
| Q4 FY23 | 49.4% | +4.9 pts | |
| Q3 FY23 | 49.6% | +8.1 pts |
Against its peers
Companies in Banks - Regional nearest International Bancshares' size, closest first, today.
| Company | Profit margin |
|---|---|
| IBOCInternational Bancshares | 48.1% |
| FBPFirst Bancorp | 36.2% |
| CVBFCVB Financial | 36.0% |
| CATYCathay General Bancorp | 39.9% |
| FLGFlagstar Bank, National Association | n/m |
| INDBIndependent Bank | 27.0% |
| FFINFirst Financial Bankshares | 40.4% |
| UCBUnited Community Banks | 34.0% |
| RNSTRenasant | 28.7% |
| SFBSServisFirst Bancshares | 51.2% |
| TFSLTFS Financial CORP | 29.7% |
| Peer median | 36.0% |
Where International Bancshares ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on International Bancshares
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.