International Bancshares Corporation

IBOCNASDAQFinancial Services● Active

$73.49

+$0.51(+0.70%)

Market Cap$4.6B

P/E Ratio—

52W High$75.44

52W Low$61.15

Avg Volume387K

Open$73.45

Beta0.70

Free Cash Flow Financials Revenue

International Bancshares Corporation (IBOC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

IBOC · free cash flow · updated Jun 8, 2026

Core FCF metrics

IBOC · FCF · TTM · margin & CAGR

Free cash flow was $472.9M for FY2025 (fiscal year ending 2025-12-31), up 2.9% year-over-year The FCF margin was 44.9%. Five-year CAGR stands at +9.7%.

FY2025 Free Cash Flow$472.9M▲ +2.9% YoY

Trailing 12M (TTM)$455.9Mtrailing 4 quarters sum

FCF Margin44.9%$472.9M ÷ revenue

3-Year CAGR+8.7%FY2022 → FY2025

5-Year CAGR+9.7%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

IBOC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$491.1M(18M)$472.9M▲ +2.9%44.9%

FY2024$473.9M(14M)$459.8M▲ +2.9%44.1%

FY2023$474.4M(27M)$446.9M▲ +21.2%46.1%

FY2022$387.9M(19M)$368.7M▲ +31.1%51.7%

FY2021$291.7M(10M)$281.3M▼ 5.7%45.3%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

IBOC · P/FCF · FCF yield · FCF per share

International Bancshares Corporation (IBOC) trades at a FCF yield of 9.97% and a price-to-free-cash-flow ratio of 10.0x. FCF per share stands at $7.32, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

9.97%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$7.32

TTM FCF ÷ Shares Outstanding

Price / FCF

x10.0

Share Price ÷ FCF per Share

EV / FCF (TTM)

x10.3

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

IBOC · cash flow statement · operating / investing / financing

For FY2025, International Bancshares Corporation generated $491.1M in operating cash flow and spent 18M in capital expenditures, yielding $472.9M in free cash flow.

Operating Activities

+$491.1M

Cash from core business operations

2025-12-31

Investing Activities

−$591.7M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$284.5M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($491.1M) − |CapEx| (18M) = FCF ($472.9M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

IBOC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

International Bancshares CorporationYOU

IBOC

$472.9M+2.9%44.9%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

International Bancshares Corporation (IBOC) reported free cash flow of $472.9M for FY2025 (fiscal year ending 2025-12-31), up 2.9% year-over-year. The FCF margin was 44.9%.

Based on available data, International Bancshares Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $472.9M in FY2025. The 5-year CAGR stands at +9.7%.

International Bancshares Corporation's FCF yield is 9.97% and price-to-FCF ratio is 10.0x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

IBOC free cash flow · 8 questions

International Bancshares Corporation free cash flow was $472.9M for FY2025, up 2.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $455.9M.

IBOC free cash flowIBOC FCFIBOC FCF 2025IBOC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · International Bancshares Corporation · International Bancshares Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026