NASDAQ$IBOC
International Bancshares Corporation · Q1 2025 earnings
Q1 2025 earnings · · Investor relations
Briefing
International Bancshares reported Q1 2025 net interest income of $161.2M with net income of $96.9M and diluted EPS of $1.56.
Net interest income was $161.2M as total interest income remained elevated in a higher-rate environment. Net income was $96.9M, or $1.56 per diluted share, as a lower provision for credit losses partially offset higher deposit costs.
- Net interest income $161.2M; noninterest income $37.0M.
- Net income $96.9M; diluted EPS $1.56.
- Credit loss expense $3.3M vs $13.0M a year ago.
- Loan and investment yields benefit from rate environment.
- Deposit pricing remains competitive across markets.
Headline financials
Revenue & EPS history
IBC · Revenue · Quarterly
$198M
Forward guidance
Regional and global banks discuss net interest income, credit quality, capital ratios, and dividends rather than quarterly EPS targets in periodic filings.
Tailwinds
- Net interest income supported by loan and securities yields.
- Wealth management and fee income diversify revenue.
- Capital returns via dividends when earnings allow.
Headwinds
- Deposit beta and funding cost pressure.
- Credit provision volatility and macro uncertainty.
- Regulatory capital and rate-path sensitivity.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q1 2025
+0.6%
Avg return
Earnings day
+0.9%
Avg return
5 days after
+1.3%
Avg return
30 days after
60%
41 / 68 earnings
Positive
+9.1%
Q1 2020
Best reaction
-9.1%
Q2 2024
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.9% | -0.2% | +0.6% | |
| Q4 2025 | -0.5% | -1.8% | -3.6% | |
| Q3 2025 | -2.0% | -3.6% | +0.9% | |
| Q1 2025 | -0.4% | -3.4% | -4.8% | |
| Q4 2024 | +0.8% | -3.1% | -4.1% | |
| Q3 2024 | -2.0% | -0.9% | -0.8% | |
| Q2 2024 | -9.1% | -14.3% | -6.3% | |
| Q1 2024 | +3.9% | +4.7% | -0.6% | |
| Q4 2023 | -0.6% | -0.9% | +7.8% | |
| Q3 2023 | +7.7% | +3.4% | +5.7% | |
| Q2 2023 | -1.8% | -3.3% | -5.8% | |
| Q1 2023 | +2.6% | +1.7% | +13.1% | |
| Q4 2022 | +3.7% | +5.9% | -5.5% | |
| Q3 2022 | +3.9% | +6.4% | +8.2% | |
| Q2 2022 | +0.9% | +0.4% | -6.4% | |
| Q1 2022 | -4.7% | -4.6% | -1.0% | |
| Q4 2021 | +3.5% | -1.8% | +5.5% | |
| Q3 2021 | +1.1% | +1.3% | -7.4% | |
| Q2 2021 | +7.1% | +8.6% | +6.7% | |
| Q1 2021 | +1.9% | +0.2% | -4.9% | |
| Q4 2020 | -4.2% | -1.2% | +7.3% | |
| Q3 2020 | +1.6% | +14.4% | +30.2% | |
| Q2 2020 | +4.9% | +9.2% | -1.2% | |
| Q1 2020 | +9.1% | -1.4% | +27.9% | |
| Q4 2019 | -8.1% | -8.7% | -31.7% | |
| Q3 2019 | +0.0% | -0.2% | +0.8% | |
| Q2 2019 | +1.0% | -0.2% | +8.6% | |
| Q1 2019 | +0.2% | -2.0% | -11.6% | |
| Q4 2018 | +2.0% | +2.7% | -5.0% | |
| Q3 2018 | +2.1% | -1.3% | -12.0% | |
| Q2 2018 | +1.3% | +1.1% | +5.3% | |
| Q1 2018 | +3.3% | +4.1% | +9.4% | |
| Q4 2017 | +2.6% | +5.4% | +0.6% | |
| Q3 2017 | -3.3% | -1.3% | +1.4% | |
| Q2 2017 | +1.3% | -2.4% | -2.4% | |
| Q1 2017 | -3.1% | -4.6% | -7.3% | |
| Q4 2016 | -1.0% | -1.0% | -9.5% | |
| Q3 2016 | +4.2% | +24.9% | +35.8% | |
| Q2 2016 | +4.3% | +3.6% | +8.7% | |
| Q1 2016 | +2.2% | — | — | |
| Q4 2015 | -2.4% | — | — | |
| Q3 2015 | +4.4% | — | — | |
| Q2 2015 | +1.7% | — | — | |
| Q1 2015 | +0.5% | — | — | |
| Q4 2014 | +0.6% | — | — | |
| Q3 2014 | +1.7% | — | — | |
| Q2 2014 | -2.8% | — | — | |
| Q1 2014 | +5.8% | — | — | |
| Q4 2013 | +2.4% | — | — | |
| Q3 2013 | +2.8% | — | — | |
| Q2 2013 | -1.3% | — | — | |
| Q1 2013 | -0.3% | — | — | |
| Q4 2012 | -2.4% | — | — | |
| Q3 2012 | +5.2% | — | — | |
| Q2 2012 | -2.3% | — | — | |
| Q1 2012 | +1.0% | — | — | |
| Q4 2010 | -1.8% | — | — | |
| Q4 2011 | -1.8% | — | — | |
| Q3 2011 | +1.6% | — | — | |
| Q2 2011 | -0.1% | — | — | |
| Q1 2010 | -1.0% | — | — | |
| Q1 2011 | +3.0% | — | — | |
| Q4 2008 | -2.3% | — | — | |
| Q3 2009 | +2.9% | — | — | |
| Q3 2010 | +2.9% | — | — | |
| Q4 2009 | -5.8% | — | — | |
| Q2 2009 | -5.8% | — | — | |
| Q2 2010 | -5.8% | — | — |
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