International Bancshares Corporation Cash Flow Quality Index
International Bancshares Corporation cash flow quality index. International Bancshares Corporation (IBOC) has a Cash Flow Quality Index of 0.98x as of June 2026. Operating cash flow of $94.22 Million is below net income of $95.81 Million, suggesting accrual-heavy earnings not yet converted to cash. See International Bancshares Corporation financial flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of International Bancshares Corporation (1995–2025)
Cash flow quality index of International Bancshares Corporation from 1995 to 2025. Historical Cash Flow Quality Index for International Bancshares Corporation across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore International Bancshares Corporation (IBOC) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
International Bancshares Corporation Cash Flow Quality Index by Year (1995–2025)
International Bancshares Corporation cash flow quality index by year from 1995 to 2025. Year-by-year earnings quality comparison for International Bancshares Corporation. For the full cash flow conversion analysis, see IBOC operating cash flow.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.19x | $491.06 Million | $412.29 Million | ▲ +2.8% |
| 2024 | 1.16x | $473.95 Million | $409.17 Million | ▲ +0.5% |
| 2023 | 1.15x | $474.43 Million | $411.77 Million | ▼ -10.8% |
| 2022 | 1.29x | $387.94 Million | $300.23 Million | ▲ +12.5% |
| 2021 | 1.15x | $291.68 Million | $253.92 Million | ▼ -37.0% |
| 2020 | 1.82x | $305.13 Million | $167.32 Million | ▲ +20.1% |
| 2019 | 1.52x | $311.56 Million | $205.10 Million | ▲ +42.7% |
| 2018 | 1.06x | $229.85 Million | $215.93 Million | ▼ -14.9% |
| 2017 | 1.25x | $196.82 Million | $157.44 Million | ▼ -17.6% |
| 2016 | 1.52x | $203.22 Million | $133.93 Million | ▲ +1.9% |
| 2015 | 1.49x | $203.65 Million | $136.73 Million | ▲ +18.2% |
| 2014 | 1.26x | $193.04 Million | $153.15 Million | ▼ -23.8% |
| 2013 | 1.66x | $209.13 Million | $126.35 Million | ▲ +11.5% |
| 2012 | 1.48x | $160.01 Million | $107.83 Million | ▲ +4.3% |
| 2011 | 1.42x | $180.82 Million | $127.15 Million | ▲ +3.8% |
| 2010 | 1.37x | $178.16 Million | $130.02 Million | ▲ +38.0% |
| 2009 | 0.99x | $141.77 Million | $142.74 Million | ▼ -14.9% |
| 2008 | 1.17x | $154.10 Million | $132.11 Million | ▼ -22.8% |
| 2007 | 1.51x | $183.39 Million | $121.31 Million | ▲ +13.6% |
| 2006 | 1.33x | $155.74 Million | $117.00 Million | ▲ +0.8% |
| 2005 | 1.32x | $185.94 Million | $140.78 Million | ▼ -0.7% |
| 2004 | 1.33x | $158.27 Million | $119.03 Million | ▲ +11.3% |
| 2003 | 1.19x | $145.90 Million | $122.13 Million | ▼ -10.8% |
| 2002 | 1.34x | $134.76 Million | $100.63 Million | ▲ +5.9% |
| 2001 | 1.26x | $105.42 Million | $83.34 Million | ▲ +0.8% |
| 2000 | 1.25x | $94.34 Million | $75.17 Million | ▲ +7.5% |
| 1999 | 1.17x | $77.30 Million | $66.20 Million | ▼ -27.7% |
| 1998 | 1.61x | $86.70 Million | $53.70 Million | ▼ -1.9% |
| 1997 | 1.65x | $80.50 Million | $48.90 Million | ▲ +9.2% |
| 1996 | 1.51x | $66.88 Million | $44.35 Million | ▼ -9.2% |
| 1995 | 1.66x | $66.56 Million | $40.06 Million | — |