International Bancshares
IBOC
$69.28 0.52%
Exchange: NASDAQ | Sector: Financial Services | Industry: Banks Regional
Q3 2024
Published: Nov 7, 2024

Earnings Highlights

  • Revenue of $211.78M down 0.4% year-over-year
  • EPS of $1.60 decreased by 3% from previous year
  • Gross margin of 100.0%
  • Net income of 99.77M
  • ""We believe our strategic investments in technology and our commitment to customer service will drive future growth despite the current headwinds in the market."" - K. Davidson, CEO
IBOC
International Bancshares Corporation

Executive Summary

In the third quarter of 2024, International Bancshares Corporation (IBOC) has shown resilience in navigating through challenging market conditions. The company reported revenues of $211.78 million, reflecting a year-over-year decrease of 0.44% and a significant sequential decline of 18.29%. Notably, net income was recorded at $99.77 million, a decrease from the prior year but showing a slight recovery from the previous quarter. The EPS of $1.60 indicates a 3.03% year-over-year decline yet a 2.56% rise quarter-over-quarter, underscoring the company's ability to strengthen earnings amidst pressures of reduced revenue. Management emphasized a strategic focus on cost control and innovation in their product offerings to improve competitiveness. The stable customer base in Texas and Oklahoma positions IBOC well amid ongoing economic fluctuations.

Key Performance Indicators

Revenue
Decreasing
211.78M
QoQ: -18.29% | YoY: -0.44%
Gross Profit
Decreasing
211.78M
1.00% margin
QoQ: -18.29% | YoY: -0.44%
Net Income
Decreasing
99.77M
QoQ: 2.88% | YoY: -3.38%
EPS
Decreasing
1.60
QoQ: 2.56% | YoY: -3.03%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q1 2025 251.64 1.56 -1.1% View
Q4 2024 208.26 1.85 -18.9% View
Q3 2024 211.78 1.60 -0.4% View
Q2 2024 259.19 1.56 +27.0% View
Q1 2024 254.33 1.56 +23.7% View