INTERNATIONAL BANCSHARES (IBOC) Company Report

International Bancshares Corporation reported net income of $108.4 million and diluted earnings per common share of $1.74 for the three months ended September 30, 2025, reflecting an 8.6% increase in net income and an 8.8% increase in diluted EPS compared to the same period in 2024.
For the nine months ended September 30, 2025, net income reached $305.4 million and diluted earnings per common share was $4.91, marking a 3.8% increase in net income and a 4.0% increase in diluted EPS over the corresponding period in 2024.
As of September 30, 2025, the company's financial position included approximately $16.6 billion in total assets, $9.2 billion in total net loans, and $12.5 billion in deposits.
The positive impact on net income for the first nine months of 2025 was primarily driven by increased interest income from investment and loan portfolios and a decrease in the provision for credit loss expense, despite an increase in interest expense due to higher deposit rates.

Nov 6, 2025, 5:13 PM

International Bancshares Reports Q3 2025 Earnings

IBOC

Earnings

International Bancshares reported net income of $108.4 million for the three months ended Sept. 30, 2025, an 8.6% increase compared to the same period in 2024, with diluted earnings per common share rising 8.8% to $1.74.
For the nine months ended Sept. 30, 2025, net income was $305.4 million, up 3.8% from the prior year, and diluted EPS increased 4.0% to $4.91.
The company's net income for the first nine months of 2025 was positively impacted by an increase in interest income from investment and loan portfolios and a decrease in provision for credit loss expense, despite a negative impact from increased interest expense on deposits.
As of Sept. 30, 2025, total assets were approximately $16.6 billion, total net loans were approximately $9.2 billion, and deposits were approximately $12.5 billion.

Nov 6, 2025, 5:09 PM

The Bancorp Reports Strong Q3 2025 Results and Updates EPS Guidance

IBOC

Earnings

Guidance Update

Share Buyback

The Bancorp, Inc. reported net income of $54.9 million, or $1.18 per diluted share, for the third quarter of 2025, representing a 13% increase in EPS compared to $1.04 per diluted share in the third quarter of 2024.
The company experienced substantial growth in key metrics, with Gross Dollar Volume (GDV) increasing 16% to $44.04 billion and consumer fintech loans growing 180% to $785.0 million at September 30, 2025, compared to September 30, 2024.
During the third quarter of 2025, The Bancorp repurchased 2,034,053 shares of its common stock at an average cost of $73.74 per share, resulting in an 8% reduction in outstanding shares year-over-year.
The Bancorp revised its 2025 earnings per share (EPS) guidance downward to $5.10 from $5.25, citing lower projected balances in traditional lending and increased credit provision; however, it aims for a minimum $7 EPS run-rate by the fourth quarter of 2026 and set preliminary 2027 guidance at $8.25 EPS.

Oct 30, 2025, 8:10 PM

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INTERNATIONAL BANCSHARES (IBOC)