International Bancshares Corporation (IBOC) — 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. Explore IBOC operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
International Bancshares Corporation Cash Flow Quality Index (1995–2025)
Historical Cash Flow Quality Index for International Bancshares Corporation across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see IBOC cash flow metrics.
Annual Cash Flow Quality Index for International Bancshares Corporation (1995–2025)
Year-by-year earnings quality comparison for International Bancshares Corporation.
| 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 | — |