International Bancshares Corporation (IBOC) — Cash Flow-to-Debt Ratio
International Bancshares Corporation (IBOC) has a Cash Flow-to-Debt Ratio of 0.01x as of June 2026, meaning its operating cash flow of $94.22 Million could theoretically repay 0% of its total liabilities ($13.65 Billion) in one year. See financial flexibility index of International Bancshares Corporation to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
International Bancshares Corporation Cash Flow-to-Debt Ratio (1995–2025)
Historical debt coverage capacity for International Bancshares Corporation across 31 annual periods. For the full cash flow conversion analysis, see IBOC cash flow metrics.
Annual Cash Flow-to-Debt Ratio for International Bancshares Corporation (1995–2025)
Year-by-year debt coverage analysis for International Bancshares Corporation. Check how high is International Bancshares Corporation's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.04x | $491.06 Million | $13.43 Billion | ▼ -0.1% |
| 2024 | 0.04x | $473.95 Million | $12.94 Billion | ▼ -2.6% |
| 2023 | 0.04x | $474.43 Million | $12.62 Billion | ▲ +30.4% |
| 2022 | 0.03x | $387.94 Million | $13.46 Billion | ▼ -94.4% |
| 2021 | 0.51x | $291.68 Million | $570.78 Million | ▲ +1884.8% |
| 2020 | 0.03x | $305.13 Million | $11.85 Billion | ▼ -17.4% |
| 2019 | 0.03x | $311.56 Million | $9.99 Billion | ▲ +34.7% |
| 2018 | 0.02x | $229.85 Million | $9.93 Billion | ▲ +21.6% |
| 2017 | 0.02x | $196.82 Million | $10.35 Billion | ▼ -5.6% |
| 2016 | 0.02x | $203.22 Million | $10.08 Billion | ▲ +0.1% |
| 2015 | 0.02x | $203.65 Million | $10.11 Billion | ▲ +10.8% |
| 2014 | 0.02x | $193.04 Million | $10.62 Billion | ▼ -7.4% |
| 2013 | 0.02x | $209.13 Million | $10.66 Billion | ▲ +28.1% |
| 2012 | 0.02x | $160.01 Million | $10.45 Billion | ▼ -14.1% |
| 2011 | 0.02x | $180.82 Million | $10.14 Billion | ▲ +4.9% |
| 2010 | 0.02x | $178.16 Million | $10.48 Billion | ▲ +24.1% |
| 2009 | 0.01x | $141.77 Million | $10.36 Billion | ▼ -0.7% |
| 2008 | 0.01x | $154.10 Million | $11.18 Billion | ▼ -23.1% |
| 2007 | 0.02x | $183.39 Million | $10.23 Billion | ▲ +15.9% |
| 2006 | 0.02x | $155.74 Million | $10.07 Billion | ▼ -20.2% |
| 2005 | 0.02x | $185.94 Million | $9.60 Billion | ▲ +12.2% |
| 2004 | 0.02x | $158.27 Million | $9.16 Billion | ▼ -29.0% |
| 2003 | 0.02x | $145.90 Million | $6.00 Billion | ▲ +7.3% |
| 2002 | 0.02x | $134.76 Million | $5.95 Billion | ▲ +26.5% |
| 2001 | 0.02x | $105.42 Million | $5.88 Billion | ▲ +3.4% |
| 2000 | 0.02x | $94.34 Million | $5.44 Billion | ▲ +13.6% |
| 1999 | 0.02x | $77.30 Million | $5.07 Billion | ▼ -18.8% |
| 1998 | 0.02x | $86.70 Million | $4.62 Billion | ▼ -2.6% |
| 1997 | 0.02x | $80.50 Million | $4.18 Billion | ▼ -11.6% |
| 1996 | 0.02x | $66.88 Million | $3.07 Billion | ▼ -11.9% |
| 1995 | 0.02x | $66.56 Million | $2.69 Billion | — |