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Reported Q: Q4 2024 Rev YoY: -18.9% EPS YoY: +8.2% Move: -1.12%

International Bancshares

IBOC

$72.61 -1.12%

Exchange NASDAQ Sector Financial Services Industry Banks Regional

Q4 2024

Published: Feb 27, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for IBOC

Reported

Report Date

Feb 27, 2025

Quarter Q4 2024

Revenue

208.26M

YoY: -18.9%

EPS

1.85

YoY: +8.2%

Market Move

-1.12%

Previous quarter: Q3 2024

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Earnings Highlights

Revenue of $208.26M down 18.9% year-over-year
EPS of $1.85 increased by 8.2% from previous year
Gross margin of 100.0%
Net income of 115.08M
""We are continuously striving to optimize our operations while being responsive to the prevailing market conditions that influence our lending practices."" - CEO of International Bancshares Corporation

IBOC

International Bancshares Corporation

Period Q4 2024

Currency USD

Report Type Quarterly Earnings

Generated Feb 11, 2026

Executive Summary

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.

Key Performance Indicators

Revenue

Decreasing

208.26M

QoQ: -1.67% | YoY: -18.94%

Gross Profit

Decreasing

208.26M

1.00% margin

QoQ: -1.67% | YoY: -18.94%

Operating Income

Decreasing

133.65M

QoQ: N/A | YoY: -0.07%

Net Income

Increasing

115.08M

QoQ: 15.35% | YoY: 8.19%

EPS

Increasing

1.85

QoQ: 15.63% | YoY: 8.19%

Revenue Trend

Margin Analysis

Financial Highlights

Revenue of $208.26 millionwas down by 1.67% quarter over quarter and 18.94% year over year, reflecting significant challenges. The company maintained a gross profit ratio of 100%, signifying efficient cost management but highlighting a reliance on revenue to drive growth. Net income increased by 8.19% YOY and 15.35% QoQ, reflecting stronger net income margins of 0.55 compared to the previous quarters. Operating income decreased marginally by 0.07% YOY. Investment in property and plant proved substantial at $1.65 million with a noticeable focus on maintaining cash flow positive, with net cash provided by operating activities at $114.88 million while free cash flow stood at $116.53 million, demonstrating stability in cash flow despite declining revenue.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	208.26M	-18.94%	-1.67%
Gross Profit	208.26M	-18.94%	-1.67%
Operating Income	133.65M	-0.07%	N/A
Net Income	115.08M	8.19%	15.35%
EPS	1.85	8.19%	15.63%

Key Financial Ratios

Gross Profit Margin

Weak

1.00%

Gross profit margin is below industry norms, profitability concerns

Operating Profit Margin

Excellent

64.20%

Operating margin is exceptional, indicating strong pricing power and operational efficiency

Net Profit Margin

Excellent

55.30%

Net profit margin is exceptional, indicating strong pricing power and operational efficiency

Return on Assets

Weak

0.73%

Return on assets suggests inefficient capital allocation

Return on Equity

Weak

4.11%

Return on equity suggests inefficient capital allocation

Debt to Equity

Conservative

0.04

Debt-to-equity shows conservative leverage and low financial risk

P/E Ratio

Value

8.53x

P/E ratio suggests potential undervaluation or stable earnings

Price to Book

Fair Value

1.40x

Price-to-book ratio reasonable for profitable companies

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
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

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International Bancshares (IBOC) Q4 2024 Earnings Report

Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Financial Highlights

Income Statement

Key Financial Ratios

Management Insights Available for Members

Peer Comparison Available for Members

Investment Outlook & SWOT Available for Members

Historical Earnings Comparison

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