{"filings":[{"id":540316,"accession_number":"0001104659-26-064211","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2026-05-20T14:21:25+00:00","items":["5.07"],"status":"ready","headline":"IBOC annual meeting re-elects eight directors, ratifies RSM as auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All eight director nominees elected; votes ranged from 42.5M (Howland) to 50.4M (Miles) For.","Directors Howland and Norton each faced over 8M votes against (8.45M and 8.39M respectively).","Ratification of RSM US LLP as independent auditor passed with 55.98M For, 195,629 Against.","Non-binding advisory vote on executive compensation approved: 49.4M For, 1.59M Against.","No broker non-votes on auditor ratification; all other proposals had 5.17M broker non-votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":28041,"accession_number":"0001104659-26-059135","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2026-05-12T15:01:07+00:00","items":["5.03","9.01"],"status":"ready","headline":"International Bancshares amends bylaws to remove 3% derivative standing, exclusive forum, jury waiver","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Removed requirement that shareholders must beneficially own 3% of stock to bring derivative proceedings.","Eliminated exclusive forum clause that designated Texas Business Court as sole venue for claims.","Removed mandatory jury trial waiver for internal entity claims against IBC.","Amendments adopted by Board and effective May 12, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":97935,"accession_number":"0001104659-26-056853","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC reports Q1 net income $102.2M, EPS $1.64, up 5.5% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $102.2M, diluted EPS $1.64 vs $96.9M and $1.56 a year ago.","Total assets $16.8B; net loans $9.5B; deposits $12.6B at March 31, 2026.","Net interest income benefited from larger portfolios and lower interest expense on deposits.","CEO Dennis Nixon cited consistency, cost controls, and AI initiatives for future efficiency."],"consensus_eps_estimate":1.7136,"consensus_eps_actual":1.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113146,"accession_number":"0001104659-26-020307","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2026-02-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC reports 2025 net income $412.3M ($6.62 EPS), up 0.8% YoY; Q4 EPS $1.71 down 7.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Annual net income $412.3M ($6.62 diluted EPS) vs $409.2M ($6.57) in 2024, up 0.8%.","Q4 net income $106.9M ($1.71 diluted EPS) vs $115.1M ($1.85) in Q4 2024, down 7.1%.","Total assets $16.6B at Dec 31 2025 vs $15.7B a year ago; net loans $9.3B vs $8.7B; deposits $12.4B vs $12.1B.","CEO credits balance sheet management, cost controls, and new AI initiatives for results.","No forward guidance or dividend change provided in the release."],"consensus_eps_estimate":1.6626,"consensus_eps_actual":6.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113145,"accession_number":"0001104659-26-009083","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2026-02-02T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares declares $0.73 dividend, up 4.3% from prior","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Semi-annual cash dividend of $0.73 per share, a 4.3% increase over the previous dividend.","Record date February 13, 2026; payable February 27, 2026.","President Dennis Nixon cites superior financial results and strong capital position."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":129541,"accession_number":"0001104659-25-107576","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC Q3 2025 net income $108.4M, EPS $1.74, up 8.8% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $108.4M ($1.74 diluted EPS) vs $99.8M ($1.60) in Q3 2024, up 8.6%.","Nine-month net income $305.4M ($4.91 EPS) vs $294.1M ($4.72) in 2024, up 3.8%.","Total assets $16.6B, net loans $9.2B, deposits $12.5B at Sept 30, 2025.","Interest income growth partly offset by higher deposit costs; provision for credit losses decreased."],"consensus_eps_estimate":null,"consensus_eps_actual":4.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146108,"accession_number":"0001104659-25-076591","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-08-12T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"IBC amends bylaws to require 3% ownership for derivative suits, adds exclusive forum and jury waiver","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders must now beneficially own at least 3% of IBC's outstanding common stock to institute a derivative proceeding.","Exclusive forum for internal entity claims: Texas Business Court (Fourth Division), or SD Texas, or Webb County district court.","Shareholders, directors, and officers waive trial-by-jury rights for internal entity claims and certain other actions.","Amendments effective August 6, 2025; adopting any shares implies consent to these provisions.","Other updates: unspecified governance and operational refinements also included."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146107,"accession_number":"0001558370-25-010723","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC Q2 2025 net income $100.1M ($1.61 EPS), up 3.2% YoY; first-half net income $197.0M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 diluted EPS of $1.61 vs $1.56 in Q2 2024; net income increased 3.2% YoY.","First-half 2025 net income $197.0M ($3.16 diluted EPS) vs $194.3M ($3.12) in prior year.","Total assets $16.5B at June 30, 2025, up from $15.7B at Dec 31, 2024.","Net loans ~$9.0B and deposits ~$12.5B, both increased from year-end 2024.","Net interest income growth offset by higher deposit costs; provision for credit losses decreased."],"consensus_eps_estimate":null,"consensus_eps_actual":3.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146106,"accession_number":"0001104659-25-073004","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-08-01T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares declares $0.70 semi-annual cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.70 per share, payable August 29, 2025 to holders of record August 15, 2025.","Board approved the semi-annual dividend, citing strong capital position and 60 years of positive earnings.","Total assets exceed $16.3B with 166 facilities across Texas and Oklahoma."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164419,"accession_number":"0001104659-25-051428","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"International Bancshares shareholders elect all eight directors, approve auditor and say-on-pay at 2025 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected eight directors with majority vote; Antonio R. Sanchez, Jr. received 44.5M for, 7.3M against.","Ratified RSM US LLP as auditor for FY 2025 with 56.1M votes for.","Approved non-binding advisory resolution on executive compensation with 48.8M for.","Advisory vote on frequency of compensation favored 1 year with 48.3M votes; board will include say-on-pay at 2026 meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.15,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164418,"accession_number":"0001558370-25-006265","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-05-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC Q1 net income $96.9M, EPS flat at $1.56, assets grow to $16.3B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income ~$96.9M, diluted EPS $1.56, essentially flat vs $1.56 in Q1 2024 (net income -0.5%).","Total assets $16.3B (+3.8% from Dec 2024); net loans $8.9B; deposits $12.5B.","Provision for credit loss expense decreased, providing a positive impact to net income.","Net interest income pressured by higher deposit costs; portfolio growth and elevated rates support revenue."],"consensus_eps_estimate":null,"consensus_eps_actual":1.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182177,"accession_number":"0001104659-25-023551","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-03-14T23:59:59+00:00","items":["8.01","7.01"],"status":"ready","headline":"International Bancshares authorizes $150M stock repurchase program for 12 months","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved $150M common stock repurchase; program runs March 15, 2025 to March 15, 2026.","Buyback signals management confidence in capital position; stock trades on Nasdaq under IBOC.","No details on execution method or pricing provided in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182176,"accession_number":"0001558370-25-001760","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-02-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBOC Q4 net income rises 8.2% YoY to $115.1M; full-year EPS $6.57, down 0.8%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full year 2024 net income $409.2M ($6.57 diluted EPS) vs $411.8M ($6.62) in 2023.","Q4 2024 net income $115.1M ($1.85 diluted EPS) vs $106.4M ($1.71) in Q4 2023.","Total assets $15.7B at Dec 31, 2024, up from $15.1B; net loans $8.7B vs $7.9B.","Deposits increased to $12.1B from $11.8B year-over-year.","CEO cites higher interest income from loan and investment portfolios as key driver."],"consensus_eps_estimate":null,"consensus_eps_actual":6.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182175,"accession_number":"0001104659-25-008519","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2025-02-03T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares declares $0.70 cash dividend, 6% increase","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["$0.70 per share dividend declared for shareholders of record Feb 14, 2025, payable Feb 28.","Dividend represents a 6% increase from the previous cash dividend.","Board of Directors approved the declaration on January 31, 2025.","IBC reported $15.9 billion in total assets and 166 facilities across Texas and Oklahoma.","Chairman Dennis Nixon cites strong capital position and 58+ years of positive earnings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198816,"accession_number":"0001558370-24-014809","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC reports Q3 2024 net income $99.8M, diluted EPS $1.60; 9M EPS $4.72, down 3.9% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net income $99.8M ($1.60 diluted EPS) vs $103.3M ($1.66) in Q3 2023, down 3.4% and 3.6% respectively.","9M 2024 net income $294.1M ($4.72 diluted EPS) vs $305.4M ($4.91) in 9M 2023, down 3.7% and 3.9%.","Net interest income pressured by higher deposit costs; non-interest expenses rose due to inflation and salary costs.","Total assets $15.9B, net loans $8.4B, deposits $12.1B at Sept 30, 2024 vs Dec 31, 2023.","CEO Dennis Nixon cites industry-leading results, focus on balance sheet management and cost controls."],"consensus_eps_estimate":null,"consensus_eps_actual":4.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":214847,"accession_number":"0001558370-24-010562","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-08-01T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBOC reports Q2 2024 net income $97.0M ($1.56 EPS), down 3.5% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for H1 2024 was $194.3M ($3.12 diluted EPS) vs $202.1M ($3.25) in H1 2023, a 3.9% decrease.","Q2 2024 net income $97.0M ($1.56 EPS) vs $100.5M ($1.62) in Q2 2023.","Net interest income positively impacted by higher asset yields; interest expense increased due to higher deposit rates.","Provision for credit losses increased, driven by a charge-down of an impaired credit after a bankruptcy-related foreclosure.","Total assets $15.5B at June 30, 2024 vs $15.1B at Dec 31, 2023; deposits $12.0B vs $11.8B."],"consensus_eps_estimate":null,"consensus_eps_actual":3.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":214846,"accession_number":"0001104659-24-084905","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-08-01T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares declares $0.66 per share cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.66 per share declared, record date Aug 14, 2024.","Dividend payable on Aug 28, 2024.","Semi-annual dividend approved by Board on July 31, 2024.","CEO cites strong capital, liquidity, and 57+ years of positive earnings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234020,"accession_number":"0001104659-24-064160","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-05-22T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"International Bancshares shareholders elect all 8 directors, ratify auditor, approve Say-on-Pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 8 director nominees elected; votes for ranged from 45,324,676 (Howland) to 52,290,748 (de Anda).","Ratification of RSM US LLP as auditor: 56,224,090 for, 127,276 against, 172,904 abstain.","Non-binding advisory say-on-pay resolution approved: 51,097,020 for, 1,379,231 against, 174,839 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234019,"accession_number":"0001558370-24-006501","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-05-02T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"International Bancshares Q1 net income $97.3M ($1.56 EPS), down 4.2% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $97.3M ($1.56 diluted EPS) vs $101.6M ($1.63) in Q1 2023, a 4.2% decrease.","Net interest income pressured by higher deposit costs; provision for credit losses rose on one impaired credit.","Total assets $15.4B, net loans $8.0B, deposits $12.0B, all slightly higher than Dec 2023.","CEO cites strong balance sheet and cost controls; no forward guidance provided."],"consensus_eps_estimate":null,"consensus_eps_actual":1.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234018,"accession_number":"0001558370-24-005014","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-04-12T23:59:59+00:00","items":["8.01","2.02","7.01","9.01"],"status":"ready","headline":"International Bancshares ranked #3 on Forbes' 2023 Best Banks list","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Ranked 3rd among top 200 US banks; Forbes used ten financial metrics for top 100.","CEO Dennis Nixon credits team execution on balance sheet, liquidity, and cost controls.","IBC operates 165 facilities and 256 ATMs across Texas and Oklahoma.","Forbes list is 15th annual; eligibility based on asset size and financial performance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234017,"accession_number":"0001558370-24-004650","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-04-03T23:59:59+00:00","items":["8.01","2.02","7.01","9.01"],"status":"ready","headline":"International Bancshares ranked #1 by S&P Global Market Intelligence for 2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Ranked #1 among U.S. public banks with total assets exceeding $10B as of Dec 31, 2023.","Assessment based on returns, growth, efficiency, and balance sheet strength criteria.","CEO Dennis Nixon attributed recognition to strong risk management and cost controls.","IBC operates 165 facilities and 256 ATMs across Texas and Oklahoma."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":251976,"accession_number":"0001558370-24-001677","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-02-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC reports 2023 net income of $411.8M, up 37% YoY; diluted EPS $6.62","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Annual net income $411.8M ($6.62 diluted EPS) vs $300.2M ($4.78) in 2022, increases of 37.2% and 38.5%.","Q4 net income $106.4M ($1.71 diluted EPS) vs $105.4M ($1.68) a year ago, modest 1.0% increase.","Net interest income rose to $663.5M from $487.6M, driven by higher rates; deposits fell to $11.8B from $12.7B.","Provision for loan losses increased to $34.6M from $21.7M; total assets $15.1B vs $15.5B.","CEO cites strong capital and balance sheet management; ROA among top publicly traded bank holding companies."],"consensus_eps_estimate":null,"consensus_eps_actual":6.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":251975,"accession_number":"0001104659-24-009267","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2024-02-01T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"IBC increases semi-annual dividend by 4.76% to $0.66/share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["New dividend of $0.66 per share, payable Feb. 28, 2024 to shareholders of record Feb. 15, 2024.","Represents a 4.76% increase ($0.03 per share) over previous dividend paid Aug. 25, 2023.","CEO Dennis Nixon cited strong capital position and 57+ years of positive earnings.","IBC has $14.9B total assets, 168 facilities in Texas and Oklahoma."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":269506,"accession_number":"0001558370-23-017368","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC Q3 net income $103.3M, diluted EPS $1.66, up 23.9% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Nine-month net income $305.4M ($4.91 diluted EPS) vs $194.8M ($3.09) in 2022, a 56.8% increase.","Q3 net income $103.3M vs $83.4M; diluted EPS $1.66 vs $1.34, driven by higher net interest income.","Total assets $14.9B at Sep 30, 2023; net loans $7.7B (up from $7.3B Dec 2022); deposits $11.9B.","CEO cites Fed rate hikes, cost control, and strong liquidity as key to results."],"consensus_eps_estimate":null,"consensus_eps_actual":4.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":286485,"accession_number":"0001558370-23-013140","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-08-03T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBOC reports Q2 2023 net income $100.5M, diluted EPS $1.62, up 76% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $100.5M, diluted EPS $1.62 vs $0.92 YoY (+76%); six-month net income $202.1M, diluted EPS $3.25 vs $1.76 (+85%).","Net interest income rose from larger investment portfolio, higher Fed funds interest, and loan income due to rate hikes.","Total assets $14.9B (vs $15.5B Dec 2022); net loans $7.4B; deposits $11.9B (vs $12.7B Dec 2022).","CEO cites strong capital, liquidity, disciplined expense control, and deposit management for continued success."],"consensus_eps_estimate":null,"consensus_eps_actual":3.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":286484,"accession_number":"0001104659-23-084652","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-07-27T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares declares $0.63 semi-annual cash dividend; payable Aug 25","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.63 per share; record date Aug 11, 2023; payable Aug 25, 2023.","Board approved discretionary semi-annual dividend citing strong capital, liquidity, and 56+ years of positive earnings.","IBC has $15.1B total assets, 167 facilities, and 257 ATMs in Texas and Oklahoma."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306381,"accession_number":"0001558370-23-010396","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-05-24T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"IBC ranked #32 on Forbes' 2023 America's Best Banks list","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Forbes ranked IBC 32nd out of 100 largest publicly traded banks in 14th annual list.","IBC has ~$16B in assets, 13.3% return on avg total common equity, 44% efficiency ratio.","Ranking based on asset quality, capital adequacy, growth, profitability as of Sep 30, 2022.","IBC's lead bank subsidiary, IBC Bank, previously named #1 bank in Texas by Forbes in 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306380,"accession_number":"0001104659-23-061758","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-05-17T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"International Bancshares shareholders elect all eight directors, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All eight director nominees elected; votes for ranged from 43.9M (Howland) to 51.8M (de Anda).","Ratification of RSM US LLP as FY2023 auditor passed with 56.0M for, 134k against.","Non-binding advisory resolution on executive compensation approved with 51.6M for, 382k against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306379,"accession_number":"0001558370-23-008024","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-05-04T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBOC Q1 net income surges 90% to $101.6M; diluted EPS $1.63 vs $0.84 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $101.6M ($1.63 diluted EPS), up 90% YoY from $53.5M ($0.84).","Net interest income boosted by Fed rate hikes; deposit competition allowed selective runoff.","Total assets $15.1B (down from $15.5B at Dec 31, 2022); deposits $12.3B (down from $12.7B).","Net loans $7.4B, up modestly from $7.3B at year-end 2022.","CEO reaffirms strong capital, liquidity, expense control; outlook positive despite uncertain economy."],"consensus_eps_estimate":null,"consensus_eps_actual":1.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":325536,"accession_number":"0001558370-23-001861","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-02-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC reports record 2022 net income of $300.2M; diluted EPS $4.78, up 19.5% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Annual net income $300.2M ($4.78 diluted EPS) vs $253.9M ($4.00) in 2021, up 18.2% and 19.5% respectively.","Q4 2022 net income $105.4M ($1.69 diluted EPS) vs $56.5M ($0.89) in Q4 2021, up 86.5% and 89.9%.","Net interest income rose to $487.6M from $371.3M, driven by higher rates and larger investment portfolio.","Non-interest expense fell 12.7% vs 2019, reflecting cost control initiatives; total assets $15.5B.","Deposits $12.7B, net loans $7.3B; strong capital and liquidity position cited by CEO."],"consensus_eps_estimate":null,"consensus_eps_actual":4.78,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":325535,"accession_number":"0001104659-23-024185","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-02-22T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"IBC amends bylaws to adopt universal proxy card rules per SEC requirements","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved amended bylaws effective February 21, 2023.","Section 12 updated for dissident shareholder nominations and universal proxy card compliance.","Amendment addresses SEC universal proxy card requirements for contested director elections.","No other material changes to governance or fiscal year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":325534,"accession_number":"0001104659-23-009066","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2023-02-01T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares increases semi-annual dividend 5% to $0.63/share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.63 per share cash dividend, up from $0.60 prior ($0.03 increase, 5% rise).","Record date: February 15, 2023; payable February 28, 2023.","CEO cites strong financial results, capital position, and 56+ years of positive earnings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":343271,"accession_number":"0001558370-22-016191","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-11-03T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"International Bancshares Q3 net income up 53% to $83.4M, EPS $1.34","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net income $83.4M ($1.34 diluted EPS) vs $54.6M ($0.86) in Q3 2021, increases of 53% and 56%.","Nine-month net income $194.8M ($3.09 EPS) vs $197.4M; excluding $42.8M non-recurring 2021 gain, adjusted net income up 26%.","Net interest income rose on Fed rate hikes and investment portfolio growth; expenses down ~15% in 2021 vs 2019.","Total deposits $12.9B vs $12.6B at Dec 2021; net loans $6.9B vs $7.1B.","CEO highlights strong capital, liquidity, and cost control; monitoring credit losses amid economic uncertainty."],"consensus_eps_estimate":null,"consensus_eps_actual":3.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":359823,"accession_number":"0001558370-22-012124","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-08-04T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBOC reports H1 2022 net income $111.5M; core earnings up 11.5% ex non-recurring item","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["H1 2022 diluted EPS $1.76 vs $2.25 YoY (-21.8%); Q2 diluted EPS $0.92 vs $1.45 YoY (-36.6%).","Prior year included $42.8M after-tax gain from merchant banking sale; core H1 net income rose 11.5%.","Operating expenses for H1 2022 down $19.7M (12.9%) vs H1 2019 on sustained cost controls.","Total assets $16.3B, deposits $12.9B, net loans $6.9B as of June 30, 2022.","CEO notes inflation/recession risk but expresses confidence in capital and liquidity."],"consensus_eps_estimate":null,"consensus_eps_actual":1.76,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":359822,"accession_number":"0001104659-22-086159","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-08-04T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares declares $0.60 semi-annual cash dividend; payable Aug 29","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.60 per share declared, payable August 29, 2022 to holders of record August 16, 2022.","Board approved the dividend on August 2, 2022.","CEO cites strong capital position, liquidity, and over 55 years of positive earnings as basis for dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":378678,"accession_number":"0001104659-22-062873","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-05-19T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"International Bancshares holds 2022 annual meeting; all director nominees elected, auditor ratified, say-on-pay approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All eight director nominees elected with strong support; lowest 'for' vote was ~45.9M (Larry Norton).","Ratification of RSM US LLP as independent auditor passed with ~56.7M votes in favor.","Non-binding advisory resolution on executive compensation approved with ~51.8M votes in favor.","Broker non-votes ranged from ~8.16M for director elections to ~3.36M for auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":378677,"accession_number":"0001558370-22-007287","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-05-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC Q1 net income rises 5.3% to $53.5M, EPS $0.84 vs $0.80 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $53.5M vs $50.8M in Q1 2021, up 5.3%; diluted EPS $0.84 vs $0.80.","Operating expenses cut ~12% vs Q1 2019; management cites expense control focus.","Total assets $16.1B at March 31, 2022; net loans $6.9B, deposits $12.8B.","CEO notes strong capital, liquidity, and relationship deposits despite pandemic lingering effects."],"consensus_eps_estimate":null,"consensus_eps_actual":0.84,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":378676,"accession_number":"0001104659-22-047326","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-04-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"International Bancshares adopts 2022 SAR plan with 750K-share cap and amended management incentive plan","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Approved Stock Appreciation Rights Plan allowing cash-settled SARs on up to 750,000 underlying shares; term ≤10 years.","Amended and Restated Management Incentive Plan caps traditional incentive payments at lesser of 2.5% of pre-tax income or $3M per officer/year.","Merchant banking incentive payments capped at lesser of $15M or 5% of transaction value per transaction.","Historically only CEO Dennis Nixon eligible for MIP; Compensation Committee retains sole discretion over awards."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":378675,"accession_number":"0001104659-22-041788","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-04-01T23:59:59+00:00","items":["8.01","7.01"],"status":"ready","headline":"International Bancshares authorizes $150M share repurchase program for twelve months","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved extension and increase of stock repurchase program on February 23, 2022.","Up to $150 million of common stock authorized for repurchase.","Program runs from March 15, 2022 to March 15, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":396934,"accession_number":"0001104659-22-027863","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-02-28T23:59:59+00:00","items":["5.02","8.01","7.01","9.01"],"status":"ready","headline":"IBC appoints Diana G. Zuniga to Board of Directors, effective Feb 23, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Diana G. Zuniga appointed to IBC Board filling Irving Greenblum's retirement vacancy.","Zuniga has served as advisory director of IBC Austin since 2005; 35+ years real estate.","Zuniga is President/Owner of Investors Alliance, a commercial real estate firm founded 1996.","Standard non-employee director compensation: $1,000 per board meeting, $400 per committee, potential $2,000 year-end.","No stock options or equity-based awards granted for board service."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":396933,"accession_number":"0001558370-22-001887","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-02-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC reports 2021 net income $253.9M, diluted EPS $4.00, up 51.8% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Annual net income $253.9M ($4.00 diluted EPS) vs $167.3M ($2.62) in 2020; up 52.7% in diluted EPS.","Q4 2021 net income $56.5M ($0.89 diluted EPS) vs $48.2M ($0.76) a year ago; up 17.2%.","Results boosted by $42.8M after-tax gain from merchant banking investment sale in Q2.","Provision for credit losses decreased to $8.0M from $45.4M in 2020 as economic conditions improved.","Total assets $16.0B (vs $14.0B); deposits $12.6B (vs $10.7B) at Dec 31, 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":4.0,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":396932,"accession_number":"0001104659-22-011853","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2022-02-04T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares declares $0.60/share cash dividend payable Feb 28","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.60 per share approved; record date Feb 15, 2022, payment Feb 28, 2022.","Board approved early declaration; future dividends expected in February and August.","CEO cites strong financial performance, tax reform benefits, and strong capital position."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":415893,"accession_number":"0001558370-21-014515","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2021-11-04T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC Q3 net income $54.6M ($0.86 EPS), up 28% YoY; nine-month EPS $3.11, up 67%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2021 net income $54.6M ($0.86 diluted EPS) vs $42.7M ($0.67) in Q3 2020, a 28.4% increase.","Nine-month net income $197.4M ($3.11 diluted EPS) vs $119.1M ($1.86) in 2020, up 67.2%.","Results boosted by $42.8M net-of-tax gain on sale of merchant banking investment in Q2 2021.","Credit loss expense decreased ~$24.9M net-of-tax as economic conditions improved, lowering provision.","Total assets $15.7B, deposits $12.2B, net loans $7.3B; low rates continue pressuring net interest income."],"consensus_eps_estimate":null,"consensus_eps_actual":3.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433505,"accession_number":"0001104659-21-101918","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2021-08-09T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"International Bancshares declares $0.60/share cash dividend, 9% increase","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.60 per share, a 9% increase (up $0.05) over prior dividend.","Record date August 20, 2021; payable September 3, 2021.","Dividend declared early in lieu of the typical October discretionary dividend.","CEO cites strong financial performance, Tax Cuts and Jobs Act benefits, and strong capital position."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433504,"accession_number":"0001558370-21-010470","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2021-08-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"IBC Q2 net income $92M, EPS $1.45, up 123% YoY; includes $42.8M investment sale gain","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q2 2021 $92.0M ($1.45 diluted EPS) vs $41.5M ($0.65) in Q2 2020, +123.1% EPS.","Six-month net income $142.8M ($2.25 EPS) vs $76.3M ($1.19) in 2020, +89.1% EPS.","Quarter included $42.8M net after-tax gain from sale of equity interest in merchant banking investment.","Credit loss expense decreased ~$20.1M net of tax vs prior year as economic conditions stabilized.","Total assets $15.3B at June 30, 2021; deposits $11.9B, up from $10.7B at Dec 31, 2020."],"consensus_eps_estimate":null,"consensus_eps_actual":2.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433503,"accession_number":"0001558370-21-009049","cik":315709,"company_name":"INTERNATIONAL BANCSHARES CORP","ticker":"IBOC","form_type":"8-K","filed_at":"2021-07-21T23:59:59+00:00","items":["8.01","7.01","9.01"],"status":"ready","headline":"IBC subsidiaries ranked #1 in TX, #3 in OK by Forbes 'Best Banks' list","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["IBC Bank in Texas ranked #1 and IBC Bank in Oklahoma ranked #3 in Forbes' fourth annual 'Best Banks' list.","Ranking based on overall recommendations and satisfaction; 25,000 U.S. customers surveyed.","Of 4,978 FDIC-insured banks, only 135 (2.7%) made the list.","CEO Dennis Nixon credited employee dedication and the 'Do More' mantra for the recognition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":4486376955.257511,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}