IBOC International Bancshares margins

Relative Growth: Rel. Growth: 59

Relative Strength: Rel. Strength: 44

Relative Valuation: Rel. Valuation: 68

Relative Profitability: Rel. Profitability: 85

Gross margin

100%

Operating margin

62.5%

EBITDA margin

65.5%

Net margin

49.3%

For the latest period, International Bancshares has a gross margin of 100%, an operating margin of 62.5%, an EBITDA margin of 65.5%, and a net margin of 49.3%. The biggest decline was in net margin, down 1.6 percentage points; the remaining margins held steady.

IBOC margin history

Gross, operating, EBITDA and net margin trends

International Bancshares's margins averaged 100% gross, 63.61% operating, 66.43% EBITDA, and 50.58% net during the last 3 years. Against the three-year averages, operating, EBITDA, and net margins are below their three-year averages.

IBOC margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin contracted by 0.3 percentage points and net margin by 1.6 percentage points, while gross and EBITDA margins were unchanged.

Gross margin expansion

0pp

Operating margin expansion

-0.3pp

EBITDA margin expansion

0pp

Net margin expansion

-1.6pp

IBOC Gross margin

Over the last 3 years, International Bancshares had an average gross margin of 100%. Against its three-year average, International Bancshares's gross margin is currently 100%, in line with its three-year average. Looking back over the last 3 years, International Bancshares's gross margin reached 100% at its highest point in Jun 2026 and 100% at its lowest in Dec 2023.

IBOC Operating margin

Across the last 3 years, International Bancshares's operating margin came to 63.61%. The current operating margin stands at 62.5%, 1.1 percentage points below its three-year average. Operating margin was highest at 65.5% in Dec 2023 and lowest at 62.5% in Jun 2026.

IBOC EBITDA margin

International Bancshares's EBITDA margin averaged 66.43% over the last 3 years. Compared with its three-year average, International Bancshares's current EBITDA margin is 65.5% and is 0.9 percentage points below its three-year average. Over the last 3 years, International Bancshares's EBITDA margin peaked at 68.3% in Dec 2023 and reached a low of 65.5% in Jun 2025.

IBOC Net margin

The average net margin for International Bancshares was 50.58% over the last 3 years. As of the latest period, the current net margin for International Bancshares is 49.3%, 1.3 percentage points below its three-year average. The net margin for International Bancshares moved between 49.3% in Jun 2026 and 51.5% in Dec 2023.

IBOC margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, IBOC stands above the Financial Services sector and the industry average. Looking at its Financial Services sector average of 83.7%, International Bancshares's gross margin is 19% higher.

IBOC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is International Bancshares's gross margin?

The current gross margin for IBOC is 100% as of Jun 30, 2026.

What is International Bancshares's operating margin?

As of Jun 30, 2026, IBOC has an operating margin of 62.5%.

What is International Bancshares's EBITDA margin?

The current EBITDA margin for IBOC is 65.5% as of Jun 30, 2026.

What is International Bancshares's net margin?

As of Jun 30, 2026, IBOC has a net margin of 49.3%.

What are the average margins of IBOC?

The three-year average margins for IBOC were 100.0% gross, 63.6% operating, 66.4% EBITDA, and 50.6% net.

What are the highest historical margins of IBOC?

Looking back across 5 years, IBOC reached 100% gross in Jun 2026, 66% operating in Sep 2023, 68.8% EBITDA in Sep 2023, and 51.9% net in Sep 2023.

What are the lowest historical margins of IBOC?

Within the 5-year period, IBOC recorded its lowest margins at 100% gross in Dec 2021, 51.6% operating in Jun 2022, 55.8% EBITDA in Jun 2022, and 40.8% net in Jun 2022.