IBOC at a glance
INTERNATIONAL BANCSHARES CORP (IBOC, SEC CIK 315709) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on October 6, 2026 and Form 4 insider filings as recently as May 22, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), INTERNATIONAL BANCSHARES CORP (IBOC) reported revenue of $886.3 million (up 2.3% from FY2024) and net income of $412.3 million. Diluted EPS was $6.62.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding INTERNATIONAL BANCSHARES CORP (IBOC) shares worth $1.9 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Norton Larry A on May 21, 2026 of 10,000 shares at $72.00 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $886.3M
- +2.3% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 31 funds
- $1.9B · −1 vs prior quarter
- Latest 8-K
- Aug 6, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: diversified commercial and retail banking focused on Texas and Oklahoma markets with strong cross-border banking with Mexico
- Emphasis increased on consumer and retail banking, including mortgage lending, and expansion of branches in retail locations and shopping malls
- Deposit base from Mexican-domiciled customers grew to 32% of total deposits in 2025, up from 29% in 2023, highlighting reliance on cross-border deposits
- Workforce approximately 2,319 employees at year-end 2025 with 66% of officer management having 15+ years tenure, reflecting strong employee retention and culture
- Key regulatory update: transition from LIBOR completed in 2023 with no adverse impact; ongoing compliance with new Anti-Money Laundering Act (AMLA) and evolving CTA reporting rules
Risk Factors
- Regulatory risk: Adoption of ASU 2016-13 (CECL methodology) increased allowance for loan losses, impacting retained earnings and ongoing credit loss estimates
- Macroeconomic threat: Exposure to declining real estate values in Texas and Oklahoma markets could impair collateral value in loan portfolio
- Operational risk: Dependence on external vendors for critical information systems heightens risk of security breaches and operational disruptions
- Competitive risk: Growth of fintechs and blockchain-based financial products may reduce demand for traditional banking and deposit accounts
- Financial risk: Heavy reliance on dividends from Subsidiary Banks for holding company revenue subject to regulatory dividend restrictions
AI summary of the IBOC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly net revenue $214.8M, up 3.3% YoY from $208.2M, reflecting net interest and non-interest income gains
- Net income $95.8M, down 4.3% YoY from $100.1M
- Best line: other investment income $2.2M, up 541.1% YoY from $348K
- Worst line: tax-exempt investment interest income $1.4M, down 9.3% YoY from $1.5M
- Loans $9.9B, up 4.3%; deposits $12.7B, up 2.4%; ACL $170.0M, up 6.8% since December 31, 2025
- Near-term headwinds: elevated rates, deposit competition, economic uncertainty, tariffs, and higher credit-loss expense
Risk Factors
- No risk-factor section provided; supplied text covers Items 2, 5, and 6
- Stock-repurchase authorization up to $150 million through March 15, 2027
- Rule 10b5-1 plans enable automatic repurchases during otherwise restricted trading periods
- Repurchase program exposure: 13,798,305 shares bought for $420.157 million as of August 4, 2026
- No unregistered equity sales or material shareholder-nomination procedure changes disclosed
AI summary of the IBOC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Item 2.02 covers net income for the three and six months ended June 30, 2026
- Results announced August 6, 2026, through a news release furnished as Exhibit 99
Item EX-99.1: Item EX-99.1
- Six-month net income $198.0M, up 0.5%; diluted EPS $3.18, up 0.6% year over year
- Second-quarter net income $95.8M, down 4.3%; diluted EPS $1.54, down 4.3% year over year
Item 8.01: Other Events
- Standard forward-looking disclosure disclaimer under Item 8.01
- No substantive corporate event or investor-impacting information disclosed in the provided text
AI summaries of IBOC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for IBOC
Don't miss the next IBOC filing
- Alerts as it files. A push when IBOC files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut IBOC, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Norton Larry A | Sell | May 21, 2026 | 10,000 | $72.00 |
| WAWROSKI JUDITH I | M | Feb 6, 2026 | 875 | $38.30 |
| WAWROSKI JUDITH I | M | Feb 6, 2026 | 300 | $16.84 |
| WAWROSKI JUDITH I | M | Feb 6, 2026 | 875 | - |
| WAWROSKI JUDITH I | M | Feb 6, 2026 | 300 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $800.2M | $866.0M | $886.3M |
| Net Income | $411.8M | $409.2M | $412.3M |
| Net Margin | 51.5% | 47.2% | 46.5% |
| Balance Sheet | |||
| Total Assets | $15.1B | $15.7B | $16.6B |
| Equity | $2.4B | $2.8B | $3.3B |
| ROE | 16.8% | 14.6% | 12.7% |
| Per Share | |||
| EPS | - | $6.57 | $6.62 |
| Cash Flow | |||
| Operating CF | $474.4M | $473.9M | $491.1M |
| CapEx | $27.5M | $14.1M | $18.1M |
Source: XBRL data in INTERNATIONAL BANCSHARES CORP (IBOC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate IBOC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $1.93B |
| Q1 2026 | 32 | $1.62B |
| Q4 2025 | 26 | $1.51B |
| Q3 2025 | 27 | $1.59B |
| Q2 2025 | 30 | $1.53B |
| Q1 2025 | 24 | $1.02B |
| Q4 2024 | 20 | $988.2M |
| Q3 2024 | 17 | $550.8M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 207 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
IBOC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Oct 6, 2026 | - | - | - |
| 8-K | Aug 6, 2026 | - | Analysis | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 3, 2026 | - | Analysis | - |
| 4 | May 22, 2026 | - | - | |
| 8-K | May 20, 2026 | - | Analysis | |
| 8-K | May 12, 2026 | - | Analysis | |
| 8-K | May 7, 2026 | - | Analysis | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| SC 13G | Apr 29, 2026 | - | - | |
| 8-K | Feb 26, 2026 | - | Analysis | - |
| 10-K | Feb 26, 2026 | Dec 31, 2025 | Analysis | |
| SC 13G | Feb 13, 2026 | - | - | |
| 4 | Feb 10, 2026 | - | - | |
| 8-K | Feb 2, 2026 | - | - | |
| 10-Q | Nov 6, 2025 | Sep 30, 2025 | Analysis | |
| 10-Q | Aug 7, 2025 | Jun 30, 2025 | - | |
| 10-Q | May 5, 2025 | Mar 31, 2025 | - | |
| 10-K | Feb 27, 2025 | Dec 31, 2024 | - | |
| 10-Q | Nov 7, 2024 | Sep 30, 2024 | - | |
| 10-Q | Aug 1, 2024 | Jun 30, 2024 | - | |
| 10-Q | May 2, 2024 | Mar 31, 2024 | - | |
| 10-K | Feb 26, 2024 | Dec 31, 2023 | - | |
| 10-Q | Nov 2, 2023 | Sep 30, 2023 | - | |
| 10-Q | Aug 3, 2023 | Jun 30, 2023 | - |
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IBOC SEC filings: frequently asked questions
Which institutions hold IBOC stock?
As of June 30, 2026, the largest INTERNATIONAL BANCSHARES CORP (IBOC) holders among the 13F filers tracked by SignalX were BlackRock ($535.3 million), Vanguard Portfolio Management LLC ($254.4 million), Dimensional Fund Advisors ($247.5 million), State Street Corp ($213.5 million), Vanguard Capital Management LLC ($189.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was IBOC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), INTERNATIONAL BANCSHARES CORP (IBOC) reported revenue of $886.3 million (up 2.3% from FY2024) and net income of $412.3 million. Diluted EPS was $6.62. The figures come from the XBRL data in the 10-K.
What are the main risks in IBOC's latest 10-K?
In the 10-K filed February 26, 2026, INTERNATIONAL BANCSHARES CORP (IBOC) flagged: Regulatory risk: Adoption of ASU 2016-13 (CECL methodology) increased allowance for loan losses, impacting retained earnings and ongoing credit loss estimates. Macroeconomic threat: Exposure to declining real estate values in Texas and Oklahoma markets could impair collateral value in loan portfolio. (AI summary of the Risk Factors section.)
What did IBOC report in its latest 8-K?
INTERNATIONAL BANCSHARES CORP (IBOC) filed an 8-K on August 6, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Item 2.02 covers net income for the three and six months ended June 30, 2026.
What are the latest IBOC SEC filings?
INTERNATIONAL BANCSHARES CORP (IBOC) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on October 6, 2026 and a Form 4 insider filing on May 22, 2026.
What is IBOC's SEC CIK number?
INTERNATIONAL BANCSHARES CORP (IBOC)'s SEC Central Index Key (CIK) is 315709. EDGAR lists every IBOC filing under that number.
Ask anything about IBOC
The research agent reads IBOC's filings, financials, insider trades and 13F holders, then answers with sources.