International Bancshares Corporation (IBOC) - Net Assets
Based on the latest financial reports, International Bancshares Corporation (IBOC) has net assets worth $3.29 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($16.83 Billion) and total liabilities ($13.54 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check IBOC tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $3.29 Billion |
| % of Total Assets | 19.54% |
| Annual Growth Rate | 8.99% |
| 5-Year Change | -78.99% |
| 10-Year Change | 88.54% |
| Growth Volatility | 110.11 |
International Bancshares Corporation - Net Assets Trend (1995–2025)
This chart illustrates how International Bancshares Corporation's net assets have evolved over time, based on quarterly financial data. See IBOC cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for International Bancshares Corporation (1995–2025)
The table below shows the annual net assets of International Bancshares Corporation from 1995 to 2025. For live valuation and market cap data, see market value of International Bancshares Corporation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $3.25 Billion | +16.27% |
| 2024-12-31 | $2.80 Billion | +14.26% |
| 2023-12-31 | $2.45 Billion | +19.71% |
| 2022-12-31 | $2.04 Billion | -86.79% |
| 2021-12-31 | $15.48 Billion | +610.54% |
| 2020-12-31 | $2.18 Billion | +2.83% |
| 2019-12-31 | $2.12 Billion | +9.20% |
| 2018-12-31 | $1.94 Billion | +5.47% |
| 2017-12-31 | $1.84 Billion | +6.63% |
| 2016-12-31 | $1.72 Billion | +3.55% |
| 2015-12-31 | $1.67 Billion | +5.37% |
| 2014-12-31 | $1.58 Billion | +10.97% |
| 2013-12-31 | $1.42 Billion | -0.79% |
| 2012-12-31 | $1.44 Billion | -10.28% |
| 2011-12-31 | $1.60 Billion | +9.66% |
| 2010-12-31 | $1.46 Billion | +3.68% |
| 2009-12-31 | $1.41 Billion | +11.94% |
| 2008-12-31 | $1.26 Billion | +34.34% |
| 2007-12-31 | $935.90 Million | +11.15% |
| 2006-12-31 | $842.06 Million | +6.20% |
| 2005-12-31 | $792.87 Million | +5.28% |
| 2004-12-31 | $753.09 Million | +30.43% |
| 2003-12-31 | $577.38 Million | +5.50% |
| 2002-12-31 | $547.26 Million | +10.11% |
| 2001-12-31 | $497.03 Million | +19.22% |
| 2000-12-31 | $416.89 Million | +17.97% |
| 1999-12-31 | $353.40 Million | -4.56% |
| 1998-12-31 | $370.30 Million | +8.53% |
| 1997-12-31 | $341.20 Million | +20.24% |
| 1996-12-31 | $283.77 Million | +15.46% |
| 1995-12-31 | $245.76 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to International Bancshares Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1563.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $3.68 Billion | 113.22% |
| Common Stock | $96.66 Million | 2.97% |
| Other Comprehensive Income | $-246.32 Million | -7.58% |
| Total Equity | $3.25 Billion | 100.00% |
International Bancshares Corporation Competitors by Market Cap
The table below lists competitors of International Bancshares Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Kingnet Network Co Ltd
SHE:002517
|
$4.56 Billion |
|
Petronas Dagangan Bhd
KLSE:5681
|
$4.56 Billion |
|
Main Street Capital Corporation
NYSE:MAIN
|
$4.56 Billion |
|
Iridium Communications Inc
NASDAQ:IRDM
|
$4.56 Billion |
|
Shanghai RAAS Blood Products Co Ltd Class A
SHE:002252
|
$4.56 Billion |
|
AAC Technologies Holdings Inc
F:A2XN
|
$4.56 Billion |
|
MGM China Holdings Limited
F:M04
|
$4.55 Billion |
|
Sabra Healthcare REIT Inc
NASDAQ:SBRA
|
$4.55 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in International Bancshares Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,796,707,000 to 3,251,638,000, a change of 454,931,000 (16.3%).
- Net income of 412,293,000 contributed positively to equity growth.
- Dividend payments of 87,062,000 reduced retained earnings.
- Share repurchases of 4,608,000 reduced equity.
- New share issuances of 1,466,000 increased equity.
- Other comprehensive income increased equity by 132,738,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $412.29 Million | +12.68% |
| Dividends Paid | $87.06 Million | -2.68% |
| Share Repurchases | $4.61 Million | -0.14% |
| Share Issuances | $1.47 Million | +0.05% |
| Other Comprehensive Income | $132.74 Million | +4.08% |
| Other Changes | $104.00K | +0.0% |
| Total Change | $- | 16.27% |
Book Value vs Market Value Analysis
This analysis compares International Bancshares Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.41x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 16.92x to 1.41x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $4.35 | $73.59 | x |
| 1996-12-31 | $3.80 | $73.59 | x |
| 1997-12-31 | $4.92 | $73.59 | x |
| 1998-12-31 | $5.28 | $73.59 | x |
| 1999-12-31 | $4.74 | $73.59 | x |
| 2000-12-31 | $5.72 | $73.59 | x |
| 2001-12-31 | $6.87 | $73.59 | x |
| 2002-12-31 | $7.79 | $73.59 | x |
| 2003-12-31 | $8.51 | $73.59 | x |
| 2004-12-31 | $10.80 | $73.59 | x |
| 2005-12-31 | $11.15 | $73.59 | x |
| 2006-12-31 | $12.00 | $73.59 | x |
| 2007-12-31 | $13.49 | $73.59 | x |
| 2008-12-31 | $18.30 | $73.59 | x |
| 2009-12-31 | $20.58 | $73.59 | x |
| 2010-12-31 | $21.46 | $73.59 | x |
| 2011-12-31 | $23.68 | $73.59 | x |
| 2012-12-31 | $21.33 | $73.59 | x |
| 2013-12-31 | $21.16 | $73.59 | x |
| 2014-12-31 | $23.57 | $73.59 | x |
| 2015-12-31 | $24.99 | $73.59 | x |
| 2016-12-31 | $26.01 | $73.59 | x |
| 2017-12-31 | $27.54 | $73.59 | x |
| 2018-12-31 | $29.11 | $73.59 | x |
| 2019-12-31 | $32.25 | $73.59 | x |
| 2020-12-31 | $34.11 | $73.59 | x |
| 2021-12-31 | $243.76 | $73.59 | x |
| 2022-12-31 | $32.55 | $73.59 | x |
| 2023-12-31 | $39.34 | $73.59 | x |
| 2024-12-31 | $44.89 | $73.59 | x |
| 2025-12-31 | $52.23 | $73.59 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently International Bancshares Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.68%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 39.13%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 5.13x
- Recent ROE (12.68%) is above the historical average (12.62%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 16.30% | 27.91% | 0.05x | 11.94x | $15.48 Million |
| 1996 | 15.63% | 30.76% | 0.04x | 11.81x | $15.97 Million |
| 1997 | 14.33% | 15.64% | 0.07x | 13.24x | $14.78 Million |
| 1998 | 14.50% | 14.60% | 0.07x | 13.47x | $16.67 Million |
| 1999 | 18.73% | 16.48% | 0.07x | 15.34x | $30.86 Million |
| 2000 | 18.03% | 15.69% | 0.08x | 14.06x | $33.48 Million |
| 2001 | 16.77% | 17.73% | 0.07x | 12.84x | $33.64 Million |
| 2002 | 18.39% | 22.89% | 0.07x | 11.87x | $45.90 Million |
| 2003 | 21.15% | 27.42% | 0.07x | 11.39x | $64.39 Million |
| 2004 | 15.81% | 24.43% | 0.05x | 13.17x | $43.72 Million |
| 2005 | 17.76% | 20.83% | 0.07x | 13.11x | $61.49 Million |
| 2006 | 13.89% | 14.88% | 0.07x | 12.96x | $32.80 Million |
| 2007 | 12.96% | 15.00% | 0.07x | 11.93x | $27.72 Million |
| 2008 | 10.51% | 17.51% | 0.06x | 9.89x | $6.38 Million |
| 2009 | 10.14% | 19.60% | 0.06x | 8.36x | $2.00 Million |
| 2010 | 8.91% | 19.19% | 0.06x | 8.18x | $-15.90 Million |
| 2011 | 7.95% | 20.52% | 0.05x | 7.34x | $-32.87 Million |
| 2012 | 7.51% | 18.71% | 0.05x | 8.28x | $-35.74 Million |
| 2013 | 8.87% | 22.86% | 0.05x | 8.48x | $-16.09 Million |
| 2014 | 9.69% | 26.78% | 0.05x | 7.72x | $-4.91 Million |
| 2015 | 8.21% | 24.75% | 0.05x | 7.07x | $-29.82 Million |
| 2016 | 7.77% | 24.37% | 0.05x | 6.84x | $-38.53 Million |
| 2017 | 8.56% | 27.84% | 0.05x | 6.63x | $-26.46 Million |
| 2018 | 11.13% | 34.23% | 0.05x | 6.12x | $21.97 Million |
| 2019 | 9.68% | 31.69% | 0.05x | 5.72x | $-6.70 Million |
| 2020 | 7.68% | 28.97% | 0.04x | 6.44x | $-50.48 Million |
| 2021 | 1.64% | 40.93% | 0.04x | 1.04x | $-1.29 Billion |
| 2022 | 14.68% | 42.11% | 0.05x | 7.58x | $95.76 Million |
| 2023 | 16.82% | 42.45% | 0.06x | 6.16x | $166.99 Million |
| 2024 | 14.63% | 39.23% | 0.07x | 5.63x | $129.50 Million |
| 2025 | 12.68% | 39.13% | 0.06x | 5.13x | $87.13 Million |
Industry Comparison
This section compares International Bancshares Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| International Bancshares Corporation (IBOC) | $3.29 Billion | 16.30% | 4.12x | $4.56 Billion |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About International Bancshares Corporation
International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, includ… Read more