International Bancshares Corporation (IBOC) — Financial Flexibility Index
International Bancshares Corporation (IBOC) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $99.89 Million (operating CF $94.22 Million minus capex $5.67 Million) represents 0% of total liabilities ($13.65 Billion). Check IBOC cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
International Bancshares Corporation Financial Flexibility Index (1995–2025)
Historical Financial Flexibility Index trend for International Bancshares Corporation across 31 annual periods. For the full cash flow conversion analysis, see International Bancshares Corporation cash conversion from operations.
Annual Financial Flexibility Index for International Bancshares Corporation (1995–2025)
Year-by-year free cash flow to debt coverage for International Bancshares Corporation. Explore International Bancshares Corporation cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | $509.18 Million | $491.06 Million | $13.43 Billion | ▲ +0.5% |
| 2024 | 0.04x | $488.10 Million | $473.95 Million | $12.94 Billion | ▼ -5.2% |
| 2023 | 0.04x | $501.93 Million | $474.43 Million | $12.62 Billion | ▲ +31.5% |
| 2022 | 0.03x | $407.15 Million | $387.94 Million | $13.46 Billion | ▼ -94.3% |
| 2021 | 0.53x | $302.07 Million | $291.68 Million | $570.78 Million | ▲ +1911.2% |
| 2020 | 0.03x | $311.86 Million | $305.13 Million | $11.85 Billion | ▼ -22.9% |
| 2019 | 0.03x | $341.15 Million | $311.56 Million | $9.99 Billion | ▲ +34.9% |
| 2018 | 0.03x | $251.24 Million | $229.85 Million | $9.93 Billion | ▲ +23.9% |
| 2017 | 0.02x | $211.13 Million | $196.82 Million | $10.35 Billion | ▼ -15.0% |
| 2016 | 0.02x | $242.08 Million | $203.22 Million | $10.08 Billion | ▲ +8.6% |
| 2015 | 0.02x | $223.48 Million | $203.65 Million | $10.11 Billion | ▼ -3.6% |
| 2014 | 0.02x | $243.40 Million | $193.04 Million | $10.62 Billion | ▼ -5.7% |
| 2013 | 0.02x | $259.14 Million | $209.13 Million | $10.66 Billion | ▲ +14.3% |
| 2012 | 0.02x | $222.32 Million | $160.01 Million | $10.45 Billion | ▲ +7.1% |
| 2011 | 0.02x | $201.39 Million | $180.82 Million | $10.14 Billion | ▲ +7.1% |
| 2010 | 0.02x | $194.34 Million | $178.16 Million | $10.48 Billion | ▼ -5.5% |
| 2009 | 0.02x | $203.04 Million | $141.77 Million | $10.36 Billion | ▼ -2.0% |
| 2008 | 0.02x | $223.72 Million | $154.10 Million | $11.18 Billion | ▼ -22.5% |
| 2007 | 0.03x | $264.01 Million | $183.39 Million | $10.23 Billion | ▲ +15.8% |
| 2006 | 0.02x | $224.43 Million | $155.74 Million | $10.07 Billion | ▼ -17.4% |
| 2005 | 0.03x | $258.99 Million | $185.94 Million | $9.60 Billion | ▲ +17.7% |
| 2004 | 0.02x | $210.13 Million | $158.27 Million | $9.16 Billion | ▼ -31.2% |
| 2003 | 0.03x | $199.91 Million | $145.90 Million | $6.00 Billion | ▲ +32.3% |
| 2002 | 0.03x | $149.81 Million | $134.76 Million | $5.95 Billion | ▲ +9.7% |
| 2001 | 0.02x | $135.08 Million | $105.42 Million | $5.88 Billion | ▲ +6.8% |
| 2000 | 0.02x | $117.02 Million | $94.34 Million | $5.44 Billion | ▲ +13.1% |
| 1999 | 0.02x | $96.30 Million | $77.30 Million | $5.07 Billion | ▼ -17.2% |
| 1998 | 0.02x | $105.90 Million | $86.70 Million | $4.62 Billion | ▼ -8.9% |
| 1997 | 0.03x | $105.10 Million | $80.50 Million | $4.18 Billion | ▼ -6.9% |
| 1996 | 0.03x | $82.95 Million | $66.88 Million | $3.07 Billion | ▼ -6.9% |
| 1995 | 0.03x | $78.15 Million | $66.56 Million | $2.69 Billion | — |