International Bancshares Growth Metrics (2016-2025) | IBOC

Growth Metrics Jun2016 Sep2016 Dec2016 Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025
Growth Ratios
EBITDA Margin Growth (1y) (Quarter) 0.03M0.03M0.41M0.33M0.04M0.04M-0.35M-0.31M0.00M-0.03M0.37M-0.36M0.29M0.29M-0.39M0.31M-0.31M-0.24M0.00M0.09M134.000.32M0.02M-0.04M0.05M0.22M0.03M0.04M0.67M-0.51M0.01M0.61M-0.65M0.57M0.03M-0.61M
EBITDA Margin Growth (3y) (Quarter) 0.07M0.04M0.43M-0.34M0.34M0.30M-0.37M-0.36M-0.01M0.02M-0.02M0.04M-0.02M0.37M-0.37M0.36M-0.26M0.30M0.04M0.09M0.72M0.03M0.05M0.61M0.06M0.28M0.07M0.04M
EBITDA Margin Growth (5y) (Quarter) 0.06M0.09M0.04M0.06M0.03M0.38M-0.35M-0.31M0.03M0.56M0.02M0.03M0.70M0.08M-0.33M1.01M-0.24M0.36M0.09M0.09M
EBITDA Margin (QoQ) (Quarter) -286.00407.00-153.000.03M0.00M0.37M-0.08M-0.26M-407.00-0.01M-0.04M0.05M-0.03M0.39M-0.77M0.70M-0.03M-0.30M-0.07M0.09M0.04M-0.05M0.02M80.000.36M-0.36M-0.04M0.09M0.53M-0.55M-0.03M0.72M-0.66M-0.02M0.57M-0.55M0.57M-0.57M-0.07M
EBIT Margin Growth (1y) (Quarter) 0.03M0.03M0.37M0.30M0.04M0.04M-0.32M-0.28M0.00M-0.03M0.34M-0.33M0.26M0.26M-0.36M0.28M-0.27M-0.21M0.00M0.08M0.00M0.30M0.02M-0.04M0.05M0.22M0.03M0.04M0.65M-0.50M0.01M0.60M-0.63M0.56M0.03M-0.59M
EBIT Margin Growth (3y) (Quarter) 0.07M0.04M0.39M-0.31M0.30M0.27M-0.34M-0.33M-0.01M0.02M-0.02M0.04M-0.01M0.35M-0.34M0.33M-0.22M0.31M0.05M0.08M0.70M0.03M0.05M0.60M0.06M0.28M0.07M0.04M
EBIT Margin Growth (5y) (Quarter) 0.05M0.09M0.04M0.05M0.03M0.36M-0.32M-0.29M0.04M0.55M0.03M0.03M0.68M0.08M-0.30M0.96M-0.21M0.37M0.09M0.09M
EBIT Margin (QoQ) (Quarter) -303.00420.00-139.000.03M0.00M0.34M-0.07M-0.24M-474.00-0.01M-0.04M0.05M-0.03M0.35M-0.70M0.64M-0.02M-0.27M-0.06M0.08M0.04M-0.05M0.02M102.000.33M-0.33M-0.04M0.09M0.51M-0.53M-0.03M0.70M-0.63M-0.02M0.56M-0.53M0.55M-0.55M-0.07M
EBT Margin Growth (1y) (Quarter) 0.02M0.03M0.32M0.26M0.03M0.03M-0.27M-0.24M-931.00-0.02M0.28M-0.27M0.19M0.22M-0.29M0.23M-0.20M-0.17M0.00M0.08M0.00M0.27M0.02M-0.03M0.04M0.13M0.01M0.02M0.45M-0.41M186.000.42M-0.46M0.39M0.02M-0.42M
EBT Margin Growth (3y) (Quarter) 0.06M0.03M0.32M-0.26M0.22M0.23M-0.29M-0.28M-0.01M0.03M-0.01M0.03M-0.01M0.32M-0.27M0.27M-0.16M0.24M0.03M0.06M0.49M-0.00M0.03M0.41M0.03M0.11M0.04M0.02M
EBT Margin Growth (5y) (Quarter) 0.05M0.09M0.04M0.05M0.03M0.33M-0.27M-0.24M0.03M0.44M0.02M0.02M0.48M0.05M-0.26M0.72M-0.17M0.22M0.06M0.07M
EBT Margin (QoQ) (Quarter) -345.00425.00-30.000.02M0.00M0.29M-0.06M-0.20M-0.00M-0.01M-0.03M0.04M-0.02M0.29M-0.58M0.50M0.01M-0.22M-0.06M0.07M0.04M-0.05M0.01M42.000.31M-0.30M-0.04M0.07M0.40M-0.43M-0.02M0.50M-0.46M-0.02M0.40M-0.38M0.39M-0.38M-0.05M
FCF Margin Growth (1y) (Quarter) 0.03M0.02M0.36M0.08M0.01M0.02M-0.31M-0.07M0.01M-0.01M0.33M-0.38M0.25M0.36M-0.33M0.33M-0.23M-0.33M-0.02M0.08M-0.02M0.35M0.03M-0.03M0.04M-0.09M-0.01M0.03M0.47M-0.24M0.00M0.37M-0.47M0.27M0.02M-0.36M
FCF Margin Growth (3y) (Quarter) 0.05M0.03M0.38M-0.37M0.27M0.36M-0.32M-0.11M0.03M0.01M-0.02M0.04M0.00M0.37M-0.32M0.38M-0.21M-0.08M0.00M0.07M0.49M0.02M0.03M0.36M0.03M-0.06M0.01M0.03M
FCF Margin Growth (5y) (Quarter) 0.07M0.05M0.03M0.05M0.03M0.38M-0.30M-0.07M0.05M0.27M288.000.03M0.51M0.04M-0.32M0.77M-0.21M-0.04M0.02M0.08M
FCF Margin (QoQ) (Quarter) -0.00M0.00M-0.00M0.03M-0.01M0.35M-0.29M-0.04M-0.01M0.02M-0.04M0.04M-0.03M0.35M-0.74M0.67M0.08M-0.33M-0.08M0.11M-0.03M-0.02M0.02M0.01M0.34M-0.34M-0.05M0.08M0.21M-0.25M-0.01M0.53M-0.50M-0.01M0.35M-0.31M0.25M-0.27M-0.03M
FCF Payout Ratio Growth (1y) (Quarter) 18.02%-49.32%-192.35%-37.29%2.25%-100.00%33.87%-52.38%-100.00%-100.00%12.52%-20.38%-0.06%2.69%21.45%3.55%
FCF Payout Ratio Growth (3y) (Quarter) -27.88%-31.25%3,516.98%-25.99%2,800.53%-99.76%-99.79%-99.78%-99.73%
FCF Payout Ratio Growth (5y) (Quarter) -14.87%-78.83%14.88%-88.63%
FCF Payout Ratio (QoQ) (Quarter) 4,262,010.80%2,894,259.57%-4.32%-100.00%3,120,812.04%10,797,688,619.60%-100.00%7,639,856,433.57%-100.00%9,036,079,715.22%-100.00%117,779.02%
Interest Coverage Ratio Growth (1y) (Quarter) 10.14%41.58%26.61%5.77%6.00%-12.70%-16.97%-5.24%-17.18%-15.69%-7.16%-7.71%-22.77%21.48%38.88%65.72%144.92%193.90%51.39%25.25%12.99%-35.74%3.50%-16.10%-43.18%-58.11%-61.23%-59.41%-46.45%-31.94%-27.12%-13.93%-7.75%-2.09%5.47%4.73%
Interest Coverage Ratio Growth (3y) (Quarter) -1.11%1.38%-0.81%-2.56%-12.15%-3.66%2.30%13.17%16.14%44.39%24.98%24.20%28.81%31.89%29.59%20.31%16.28%-7.51%-15.31%-24.73%-29.95%-43.20%-33.62%-33.57%-34.53%-34.64%-33.20%-28.48%
Interest Coverage Ratio Growth (5y) (Quarter) 12.84%30.05%15.46%13.94%13.41%11.05%10.90%8.78%0.11%-4.12%-4.77%-8.19%-8.25%-8.14%-9.27%-9.46%-4.93%-12.02%-14.13%-17.40%
Interest Coverage Ratio (QoQ) (Quarter) -10.75%10.05%10.68%1.31%14.72%-1.58%-7.54%1.53%-5.52%-6.39%5.53%-11.26%-3.81%3.08%4.90%-25.74%51.29%17.84%25.18%9.74%81.55%-39.30%3.56%-1.00%3.25%-2.24%-16.05%-32.95%-23.87%-9.52%-12.11%-11.55%-3.23%-3.12%3.80%-5.20%2.71%4.37%3.07%
Net Margin Growth (1y) (Quarter) 0.02M0.02M0.21M0.19M0.03M0.02M-0.17M-0.18M-306.00-0.02M0.22M-0.21M0.15M0.18M-0.23M0.18M-0.16M-0.13M0.00M0.06M0.00M0.21M0.01M-0.03M0.03M0.11M0.01M0.02M0.36M-0.32M-6.000.36M-0.36M0.31M0.02M-0.36M
Net Margin Growth (3y) (Quarter) 0.05M0.03M0.25M-0.20M0.18M0.18M-0.19M-0.21M-0.01M0.02M-0.01M0.03M-0.00M0.26M-0.21M0.22M-0.13M0.18M0.03M0.06M0.39M-0.00M0.02M0.36M0.03M0.09M0.03M0.02M
Net Margin Growth (5y) (Quarter) 0.04M0.07M0.03M0.04M0.02M0.26M-0.17M-0.18M0.02M0.34M0.01M0.03M0.38M0.04M-0.20M0.60M-0.13M0.17M0.04M0.06M
Net Margin (QoQ) (Quarter) -189.00436.00454.000.01M0.00M0.19M-0.02M-0.15M-607.00-0.01M-0.02M0.03M-0.02M0.23M-0.45M0.40M0.01M-0.18M-0.05M0.06M0.03M-0.04M0.01M-364.000.24M-0.24M-0.03M0.05M0.32M-0.34M-0.01M0.39M-0.36M-0.01M0.35M-0.33M0.31M-0.31M-0.03M
Return on Sales Growth (1y) (Quarter) 153.00203.000.00M0.00M302.00247.00-0.00M-0.00M-3.00-190.000.00M-0.00M0.00M0.00M-0.00M0.00M-0.00M-0.00M31.00597.0011.000.00M122.00-256.00296.000.00M97.00240.000.00M-0.00M0.00M0.00M-0.00M0.00M194.00-0.00M
Return on Sales Growth (3y) (Quarter) 451.00260.000.00M-0.00M0.00M0.00M-0.00M-0.00M-64.00221.00-74.00273.00-50.000.00M-0.00M0.00M-0.00M0.00M250.00581.000.00M-33.00219.000.00M261.00940.00291.00222.00
Return on Sales Growth (5y) (Quarter) 391.00671.00287.00398.00249.000.00M-0.00M-0.00M243.000.00M145.00257.000.00M378.00-0.00M0.01M-0.00M0.00M444.00563.00
Return on Sales (QoQ) (Quarter) -2.004.005.00146.0048.000.00M-166.00-0.00M-6.00-84.00-232.00319.00-193.000.00M-0.00M0.00M59.00-0.00M-450.00583.00279.00-380.00115.00-4.000.00M-0.00M-263.00548.000.00M-0.00M-120.000.00M-0.00M-128.000.00M-0.00M0.00M-0.00M-331.00