INTERNATIONAL BANCSHARES CORP
IBOC · State Commercial Banks · 62.2M shares · -1%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $4M (gross $5M, SBC $330K)
Reference price $72.00 · est. market cap ~$4.5B — last insider sale, 2026-05-21 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B80International Bancshares — top-ROA Texas bank with strong liquidity.
Strengths
- ROA 100th pct, ROE 12.7% (84th)
- Cash position 99th pct, FCF 92nd
Risks
- Texas/border concentration
- Rate sensitivity
- Modest growth
Notable findings
- Strong balance sheetStrong balance sheet — $5.5B cash & investments
- Insider sellingInsider selling — 1 open-market sale(s) by 1 insider(s) (~$720,000, last 6mo) Form 4 ↗
Key metrics
Return on equity
12.7%
Return on assets
2.5%
Net-income growth
0.8%
Free cash flow
$473M
Tangible book value
$3.0B
Cash & investments
$5.5B
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-21 | Norton Larry A | Sell | 10K | $72.00 |
| 2026-02-06 | WAWROSKI JUDITH I | Option exercise | 875 | $38.30 |
| 2026-02-06 | WAWROSKI JUDITH I | Option exercise | 300 | $16.84 |
| 2025-09-05 | WAWROSKI JUDITH I | Disposition | 600 | $71.58 |
| 2025-09-05 | WAWROSKI JUDITH I | Option exercise | 600 | $39.33 |
| 2025-08-15 | SANCHEZ ANTONIO R JR | Sell | 40K | $68.12 |
| 2025-08-14 | SANCHEZ ANTONIO R JR | Sell | 80K | $69.83 |
| 2025-06-05 | WAWROSKI JUDITH I | Option exercise | 700 | $38.30 |
| 2025-06-05 | WAWROSKI JUDITH I | Option exercise | 300 | $16.84 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-20 | 2026-05-18 | 0001104659-26-064211 ↗ |
| 8-K | 2026-05-12 | 2026-05-12 | 0001104659-26-059135 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0001104659-26-056997 ↗ |
| 8-K | 2026-05-07 | 2026-05-07 | 0001104659-26-056853 ↗ |
| 10-K | 2026-02-26 | 2025-12-31 | 0001104659-26-020439 ↗ |
| 8-K | 2026-02-26 | 2026-02-26 | 0001104659-26-020307 ↗ |
| 8-K | 2026-02-02 | 2026-02-02 | 0001104659-26-009083 ↗ |
| 10-Q | 2025-11-06 | 2025-09-30 | 0001104659-25-107612 ↗ |
| 8-K | 2025-11-06 | 2025-11-06 | 0001104659-25-107576 ↗ |
| 8-K | 2025-08-12 | 2025-08-06 | 0001104659-25-076591 ↗ |
| 8-K | 2025-08-07 | 2025-08-07 | 0001558370-25-010723 ↗ |
| 10-Q | 2025-08-07 | 2025-06-30 | 0001558370-25-010744 ↗ |