International Bancshares Corporation (IBOC) reported a mixed performance for Q4 2024, with net income increasing by 8.19% year over year, reaching $115.08 million, and an earnings per share (EPS) of $1.85. While the company showed resilience in profitability, revenue declined to $208.26 million, down 18.94% year over year and 1.67% from the previous quarter. The impact of strategic cost management was evident in operating expenses, which remain stable despite revenue pressures. Investors should note that while the bottom line shows strength, the revenue downturn poses questions regarding future growth management's efforts to navigate amidst the current economic environment.