International Bancshares Corp
IBOCFinancial·Banks - Regional·USA·Mid·TXSE·Nov 12 • 3:59 PM ET
Price
IBOC against its 20, 50 and 200-day averages14.0% under the 52-week high of 78.46 on 26 Jun 2026. 52-week low 63.20 on 18 Nov 2025. Last 15 sessions, 6.9% high to low
Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average
Setup. RS line 3
CANSLIM 2 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); 52-Week High/Low: 0-10% below High; Performance: Year +50%
VCP 3 of 6 — fails: 200-Day Simple Moving Average: Price above SMA200; 50-Day Simple Moving Average: SMA50 above SMA200; 52-Week High/Low: 0-10% below High
Minervini 0 of 4 — fails: 200-Day Simple Moving Average: Price above SMA200; 50-Day Simple Moving Average: SMA50 above SMA200; 52-Week High/Low: 0-10% below High; Performance: Year +50%
Zanger 1 of 5 — fails: RSI (14): Not Oversold (>50); Performance: Week +10%; Relative Volume: Over 1.5; 200-Day Simple Moving Average: Price above SMA200
Leaders 0 of 5 — fails: 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%; Average Volume: Over 500K; 52-Week High/Low: 0-10% below High
Breakout 0 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2; 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200
Growth 0 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%); Return on Equity: Over +15%
Quality 2 of 5 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 2 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 3 of 4 — fails: Payout Ratio: Low (<20%)
Small Cap 1 of 4 — fails: Average Volume: Over 500K; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%
Accumulation 2 of 4 — fails: 200-Day Simple Moving Average: Price above SMA200 — not on the tape: Institutional Transactions: Over +10%
Relative Strength 0 of 3 — fails: Performance: Year +100%; 200-Day Simple Moving Average: Price above SMA200; Average Volume: Over 500K
Profile
IBOCInternational Bancshares Corp. is a financial holding company, which provides banking services to commercial, consumer, and international customers in South, Central, and Southeast Texas and the State of Oklahoma. It engages in banking activities, including accepting checking and savings deposits and providing commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also offers other related services, such as credit cards, travelers' checks, safety deposit facilities, collection services, notary public services, escrow services, drive-up and walk-up facilities, and other customary banking services. The company was founded in 1966 and is headquartered in Laredo, TX.
| Index | RUT |
|---|---|
| Employees | 2319 |
| IPO | May 30, 1996 |
| Beta | 0.71 |
| ATR, 14d | 1.66 |
| Rel volume | 0.00 |
| Short float | 2.21% |
| Insider own | 13.06% |
| Inst own | 72.23% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | $4.20B |
| Enterprise Value | - |
| Income | 419.36M |
| Sales | 1.07B |
| Book / share | 53.70 |
| Cash / share | - |
| Dividend Est. | - |
| Dividend TTM | 1.46 (2.16%) |
| Dividend Ex-Date | Aug 14, 2026 |
| Dividend Gr. 3/5Y | 5.27% 4.94% |
| Payout | 21.14% |
| Employees | 2319 |
| IPO | May 30, 1996 |
Ratios
| Price / earnings | 10.03 |
|---|---|
| Forward price / earnings | 10.05 |
| Price / earnings / growth | 12.56 |
| Price / sales | 3.91 |
| Price / book | 1.26 |
| Price / cash | - |
| Price / free cash flow | 8.09 |
| Value / cash profit | - |
| Value / sales | - |
| Quick Ratio | - |
| Current Ratio | 0.16 |
| Debt / equity | 0.24 |
| Long-term debt / equity | 0.04 |
| Options and short | Yes / Yes |
Earnings
| Earnings / share | 6.73 |
|---|---|
| Earnings next year | 6.72 |
| Earnings next quarter | 1.61 |
| Earnings this year | 0.30% |
| Earnings next year | 1.20% |
| Earnings growth, 5 years | 0.80% |
| Past earnings growth | 11.48% 20.37% |
| Past sales growth | 13.91% 12.78% |
| Earnings vs last year | -0.27% |
| Sales vs last year | 2.47% |
| Earnings vs last quarter | 5.59% |
| Sales vs last quarter | 3.31% |
| Earnings | Nov 05 BMO |
| Surprise | 16.46% - |
Ownership
| Insiders own | 13.06% |
|---|---|
| Insider trades | -0.12% |
| Institutions own | 72.23% |
| Institution trades | - |
| Return on assets | 2.48% |
| Return on equity | 12.97% |
| Return on capital | 12.02% |
| Gross Margin | - |
| Operating margin | 49.63% |
| Profit Margin | 39.13% |
| 20-day average | 0.32% |
| 50-day average | -1.74% |
| 200-day average | -5.32% |
Technical
| Shares out | 62.19M |
|---|---|
| Shares floating | 54.03M |
| Short / float | 2.21% |
| Short ratio | 3.46 |
| Short interest | 1.19M |
| 52-week high | 78.46 -14.0% |
| 52-week low | 63.20 +6.8% |
| Volatility | 2.15% 2.58% |
| Average range | 1.66 |
| Strength index | 47.53 |
| Market sensitivity | 0.71 |
| Relative volume | 0.00 |
| Avg Volume | 344.85K |
| Volume | 0 |
Performance
| Perf Week | -1.16% |
|---|---|
| Perf Month | 0.54% |
| Perf Quarter | -8.00% |
| Perf Half Y | -5.82% |
| Perf YTD | 1.61% |
| Perf Year | 2.94% |
| Perf 3Y | 51.71% |
| Perf 5Y | 49.46% |
| Perf 10Y | 80.75% |
| Recommendation | 1.00 |
| Target Price | 82.00 |
| Prev Close | 67.51 |
| Price | 67.51 |
| Change % | 0.00% |
Analyst ratings
latest 3 of 3| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Oct 27, 2011 | Downgrade | Standpoint Research | Buy → Hold | ||
| May 12, 2011 | Initiated | Standpoint Research | Buy | $24 | -64.4% |
| Jun 19, 2009 | Initiated | Sterne Agee | Neutral | $10 | -85.2% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| CFR | Cullen Frost Bankers Inc | 9.81B |
| PB | Prosperity Bancshares Inc | 8.67B |
| TCBI | Texas Capital Bancshares Inc | 4.24B |
| FFIN | First Financial Bankshares Inc | 4.33B |
| BOKF | BOK Financial Corp | 7.93B |
| SBSI | Southside Bancshares Inc | 1.04B |
| OBK | Origin Bancorp Inc | 1.64B |
| ZION | Zions Bancorporation N.A | 9.59B |
| SSB | SouthState Bank Corp | 10.09B |
| HTH | Hilltop Holdings Inc | 2.05B |
Insider trading
4 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Norton Larry A | Director | May 21 '26 | Sale | 72.00 | 10,000 | 720,000 | 111,917 | May 22 04:16 PM |
| Norton Properties LTD | Board Member | May 21 '26 | Proposed Sale | 72.00 | 10,000 | 720,000 | May 21 12:06 PM | |
| WAWROSKI JUDITH I | TREASURER/PAO | Feb 06 '26 | Option Exercise | 32.82 | 1,175 | 38,564 | 12,347 | Feb 10 06:10 PM |
| SANCHEZ ANTONIO R JR | Director | Nov 21 '25 | Proposed Sale | 66.39 | 100,000 | 6,639,000 | Nov 21 07:23 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| IJH | iShares Core S&P Mid-Cap ETF | AUM: 125.56B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 33.08B |
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 696.31B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.86B |
| VB | Vanguard Morningstar Small-Cap ETF | AUM: 80.23B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.54B |
| VBR | Vanguard Morningstar Small-Cap Value ETF | AUM: 37.88B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.64B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.79B |
| KRE | State Street SPDR S&P Regional Banking ETF | AUM: 4.36B |
News
latest 14 of 200- International Bancshares Corporation to Transfer Primary Listing to Texas Stock Exchange (Business Wire)
- International Bancshares: Q2 Earnings Snapshot (Associated Press)
- IBC Reports Strong Earnings for the First Six Months of 2026 (Business Wire)
- International Bancshares Corporation Announces Cash Dividend (Business Wire)
- International Bancshares: Q1 Earnings Snapshot (Associated Press)
- IBC Reports Strong Earnings for the First Quarter of 2026 (Business Wire)
- International Bancshares: Q4 Earnings Snapshot (Associated Press Finance)
- IBC Reports Strong Earnings in 2025 (Business Wire)
- International Bancshares Corporation Announces Increase in Cash Dividend (Business Wire)
- GlobalFoundries downgraded, TeraWulf upgraded: Wall Street's top analyst calls (The Fly)
- International Bancshares: Q3 Earnings Snapshot (Associated Press Finance)
- IBC Reports Strong Earnings for the Third Quarter of 2025 (Business Wire)
- International Bancshares: Q2 Earnings Snapshot (Associated Press Finance)
- IBC Reports Strong Earnings for the First Half of 2025 (Business Wire)
Quarterly earnings
2026Q3 EPS 1.840 beat 1.580
The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.
| Period | Reported | EPS adjusted | EPS est | EPS reported | Sales act, USD m | Sales est, USD m | Surprise | Year-ago quarter | Analysts | Next session |
|---|---|---|---|---|---|---|---|---|---|---|
| 2026Q3ended 2026-09-30 | 2026-11-05 08:30 | 1.840 | 1.580 | 1.580 | - | - | EPS +16.5% · sales - | vs 2025Q3, year-ago quarter · EPS - · sales - | 1 | Open +1.41% vs SPY -0.17%. Close -1.04% vs SPY -4.41% |
| 2026Q2ended 2026-06-30 | 2026-08-06 08:30 | 1.540 | 1.610 | 1.539 | - | - | EPS -4.3% · sales - | vs 2025Q2, year-ago quarter · EPS - · sales - | 1 | Open +0.66% vs SPY +0.05%. Close -1.04% vs SPY -0.16% |
| 2026Q1ended 2026-03-31 | 2026-05-07 08:30 | 1.640 | 1.680 | 1.642 | - | - | EPS -2.4% · sales - | vs 2025Q1, year-ago quarter · EPS - · sales - | 1 | Open +0.18% vs SPY +0.17%. Close +0.96% vs SPY -0.31% |
| 2025Q4ended 2025-12-31 | 2026-03-02 16:30 | 1.710 | 1.630 | 1.710 | - | - | EPS +4.9% · sales - | vs 2024Q4, year-ago quarter · EPS - · sales - | 1 | Open -2.02% vs SPY -1.65%. Close +0.35% vs SPY -0.88% |
| 2025Q3ended 2025-09-30 | 2025-11-06 12:00 | - | - | 1.741 | - | - | EPS - · sales - | vs 2024Q3, year-ago quarter · EPS - · sales - | - | Open -0.22% vs SPY -0.16%. Close -1.98% vs SPY -1.07% |
| 2025Q2ended 2025-06-30 | 2025-08-07 12:00 | - | - | 1.609 | - | - | EPS - · sales - | vs 2024Q2, year-ago quarter · EPS - · sales - | - | Open +0.97% vs SPY +0.55%. Close -0.73% vs SPY -0.08% |
| 2025Q1ended 2025-03-31 | 2025-05-05 12:00 | - | - | 1.555 | - | - | EPS - · sales - | vs 2024Q1, year-ago quarter · EPS - · sales - | - | Open -0.70% vs SPY -0.74%. Close -0.05% vs SPY -0.57% |
| 2024Q4ended 2024-12-31 | 2025-02-27 12:00 | - | - | 1.847 | - | - | EPS - · sales - | vs 2023Q4, year-ago quarter · EPS - · sales - | - | Open -0.09% vs SPY +0.39%. Close +0.84% vs SPY -1.60% |
| 2024Q3ended 2024-09-30 | 2024-11-07 12:00 | - | - | 1.601 | - | - | EPS - · sales - | vs 2023Q3, year-ago quarter · EPS - · sales - | - | Open -1.34% vs SPY +0.35%. Close -3.53% vs SPY +0.77% |
| 2024Q2ended 2024-06-30 | 2024-08-01 12:00 | - | - | 1.557 | - | - | EPS - · sales - | vs 2023Q2, year-ago quarter · EPS - · sales - | - | Open 0.00% vs SPY +0.32%. Close -5.59% vs SPY -1.42% |
| 2024Q1ended 2024-03-31 | 2024-05-02 12:00 | - | - | 1.563 | - | - | EPS - · sales - | vs 2023Q1, year-ago quarter · EPS - · sales - | - | Open +0.45% vs SPY +0.76%. Close +2.12% vs SPY +0.94% |
| 2023Q4ended 2023-12-31 | 2024-02-26 12:00 | - | - | 1.710 | - | - | EPS - · sales - | vs 2022Q4, year-ago quarter · EPS - · sales - | - | Open -0.85% vs SPY +0.09%. Close -1.20% vs SPY -0.37% |
| 2023Q3ended 2023-09-30 | 2023-11-02 12:00 | - | - | 1.648 | - | - | EPS - · sales - | vs 2022Q3, year-ago quarter · EPS - · sales - | - | - |
| 2023Q2ended 2023-06-30 | 2023-08-03 12:00 | - | - | 1.615 | - | - | EPS - · sales - | - | - | - |
| 2023Q1ended 2023-03-31 | 2023-05-04 12:00 | - | - | 1.632 | - | - | EPS - · sales - | - | - | - |
| 2022Q4ended 2022-12-31 | 2023-02-23 12:00 | - | - | 1.680 | - | - | EPS - · sales - | - | - | - |
Annual earnings
2025FY EPS 6.620 beat 6.540. 2013FY sales 498.19, from 501.73 a year earlier
Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.
earnings feed, not the snapshot. Not the statement ratio.
| Period | EPS adjusted | EPS est | EPS reported | Sales act, USD m | Sales est, USD m | P/E, earnings feed |
|---|---|---|---|---|---|---|
| 2029FYestimate | - | 7.170 | - | - | - | 9.42 |
| 2028FYestimate | - | 6.780 | - | - | - | 9.96 |
| 2027FYestimate | - | 6.720 | - | - | - | 10.05 |
| 2026FYestimate | - | 6.640 | - | - | - | 10.17 |
| 2025FY | 6.620 | 6.540 | 6.620 | - | - | 10.04 |
| 2013FY | 1.880 | - | 1.880 | 498.19 | - | 35.91 |
| 2012FY | 1.390 | 1.410 | 1.390 | 501.73 | 466.3 | 48.57 |
| 2011FY | 1.690 | 1.620 | 1.690 | 508.7 | 506.1 | 39.95 |
| 2010FY | 1.720 | 1.690 | 1.720 | 563.52 | 531.4 | 39.25 |
Estimate revisions
Latest snapshot of each period and type. 2026FY E 6.64 per share.
| Period | Type | Scale | Date | Mean | vs prior date |
|---|---|---|---|---|---|
| 2026FY | E | per share | 2026-11-06 | 6.64 | +3.9% |
| 2026Q4 | E | per share | 2026-11-06 | 1.61 | -1.2% |
| 2026FY | R | per share | 2026-11-06 | 6.64 | +3.9% |
| 2026Q4 | R | per share | 2026-11-06 | 1.61 | -1.2% |
| 2026Q3 | E | per share | 2026-10-21 | 1.58 | 0.0% |
| 2026Q3 | R | per share | 2026-10-21 | 1.58 | 0.0% |
| 2026Q2 | E | per share | 2026-07-25 | 1.61 | 0.0% |
| 2026Q2 | R | per share | 2026-07-25 | 1.61 | 0.0% |
| 2026Q1 | E | per share | 2026-03-05 | 1.68 | -0.6% |
| 2026Q1 | R | per share | 2026-03-05 | 1.68 | -0.6% |
Estimate history
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | MRQ |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EPS per share | 2.358 | 3.241 | 3.123 | 2.62 | 4.00 | 4.78 | 6.618 | 6.568 | 6.622 | 6.729 | - |
| Sales USD millions | 566 | 631 | 647 | 578 | 620 | 713 | 974 | 1,042 | 1,054 | 1,072 | - |
| Shares million shares | 66 | 66 | 65 | 63 | 63 | 62 | 62 | 62 | 62 | - | 62 |
| Metric | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|---|
| EPS per share | 1.601 | 1.847 | 1.555 | 1.609 | 1.741 | 1.71 | 1.642 | 1.539 | 1.839 |
| Sales USD millions | 265 | 263 | 251 | 261 | 271 | 271 | 257 | 264 | 280 |
| Shares million shares | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 |
Income statement, annual
| Metric | TTM | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 884.80 | 886.27+2.3% | 865.98+8.2% | 800.16+52.2% | 525.78+32.1% | 398.10-6.8% | 427.01-13.3% | 492.40+5.7% | 465.82 |
| Total Interest Expense | 202.10 | 213.85+2.2% | 209.26+53.1% | 136.66+258.1% | 38.16+42.2% | 26.83-31.4% | 39.12-33.3% | 58.63+11.3% | 52.67 |
| Net Interest Income | 682.69 | 672.42+2.4% | 656.72-1.0% | 663.50+36.1% | 487.62+31.3% | 371.27-4.3% | 387.89-10.6% | 433.77+5.0% | 413.15 |
| Loan Loss Provision | 21.29 | 15.09-52.5% | 31.80-8.0% | 34.58+59.7% | 21.65+172.0% | 7.96-82.5% | 45.38+140.9% | 18.84+208.3% | 6.11 |
| Net Interest Income After Loan Loss Provision | 661.40 | 657.33+5.2% | 624.92-0.6% | 628.92+35.0% | 465.97+28.3% | 363.32+6.1% | 342.51-17.5% | 414.93+1.9% | 407.04 |
| Non-Interest Income | 187.03 | 167.36-4.7% | 175.62+1.0% | 173.92-7.1% | 187.13-15.8% | 222.33+47.6% | 150.58-2.7% | 154.83-6.2% | 165.04 |
| Non-Interest Expense | 316.52 | 304.33+4.3% | 291.82+4.5% | 279.34+3.3% | 270.47+2.7% | 263.32-6.4% | 281.33-9.2% | 309.80+3.4% | 299.50 |
| Operating Income | 531.91 | 520.36+2.3% | 508.72-2.8% | 523.51+36.8% | 382.64+18.7% | 322.33+52.2% | 211.76-18.5% | 259.95-4.6% | 272.58 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 531.91 | 520.36+2.3% | 508.72-2.8% | 523.51+36.8% | 382.64+18.7% | 322.33+52.2% | 211.76-18.5% | 259.95-4.6% | 272.58 |
| Income Taxes | 112.56 | 108.07+8.6% | 99.55-10.9% | 111.74+35.6% | 82.41+20.5% | 68.41+53.9% | 44.44-19.0% | 54.85-3.2% | 56.65 |
| Consolidated Net Income | 419.36 | 412.29+0.8% | 409.17-0.6% | 411.77+37.2% | 300.23+18.2% | 253.92+51.8% | 167.32-18.4% | 205.10-5.0% | 215.93 |
| Net Income From Continuing Operations | 419.36 | 412.29+0.8% | 409.17-0.6% | 411.77+37.2% | 300.23+18.2% | 253.92+51.8% | 167.32-18.4% | 205.10-5.0% | 215.93 |
| Net Income | 419.36 | 412.29+0.8% | 409.17-0.6% | 411.77+37.2% | 300.23+18.2% | 253.92+51.8% | 167.32-18.4% | 205.10-5.0% | 215.93 |
| EPS (Recurring) per share | 6.74 | 6.62+0.8% | 6.57-0.8% | 6.62+38.5% | 4.78+19.5% | 4.00+52.7% | 2.62-16.0% | 3.12-3.7% | 3.24 |
| EPS (Basic, Before Extraordinaries) per share | 6.74 | 6.63+0.8% | 6.58-0.8% | 6.63+38.4% | 4.79+19.5% | 4.01+52.5% | 2.63-16.0% | 3.13-4.3% | 3.27 |
| EPS (Diluted) per share | 6.73 | 6.62+0.8% | 6.57-0.8% | 6.62+38.5% | 4.78+19.5% | 4.00+52.7% | 2.62-16.0% | 3.12-3.7% | 3.24 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.05 | 0.08-61.9% | 0.21-19.2% | 0.26-25.7% | 0.35-5.4% | 0.37-31.5% | 0.54-29.9% | 0.77+24.2% | 0.62 |
| Price To Earnings Ratio ratio statement ratio, not the snapshot | 10.03 | 10.03 | - | - | - | - | - | 11.03 | 8.50 |
| Price To Sales Ratio ratio | 3.98 | 3.93 | 3.78 | 3.47 | 4.03 | 4.34 | 4.14 | 4.37 | 3.63 |
| Operating Margin % | 49.63 | 49.39 | 48.84 | 53.74 | 53.67 | 51.95 | 36.66 | 40.16 | 43.21 |
| Net Margin % | 39.13 | 39.13 | 39.28 | 42.27 | 42.11 | 40.93 | 28.97 | 31.69 | 34.23 |
| Shares Outstanding million shares | 62.19 | 62.17-0.1% | 62.21+0.2% | 62.08-0.1% | 62.14-1.9% | 63.37+0.1% | 63.28-2.9% | 65.20-0.6% | 65.61 |
| Market Capitalization | 4,195.64 | 4,195.64+6.8% | 3,928.73+16.5% | 3,371.02+18.6% | 2,842.33+5.8% | 2,686.14+13.4% | 2,369.03+5.5% | 2,246.36+24.4% | 1,805.58 |
Income statement, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 225.89-0.4% | 220.41-0.3% | 214.600.0% | 223.89+3.9% | 226.78+1.9% | 220.97+2.5% | 214.64+1.2% | 215.56+2.8% |
| Total Interest Expense | 51.41-5.8% | 49.31-7.8% | 48.97-8.3% | 52.41-4.1% | 54.55-0.3% | 53.47+3.9% | 53.42+10.2% | 54.63+20.9% |
| Net Interest Income | 174.49+1.3% | 171.10+2.1% | 165.63+2.7% | 171.47+6.5% | 172.23+2.6% | 167.50+2.0% | 161.22-1.5% | 160.94-2.2% |
| Loan Loss Provision | 1.62-11.5% | 11.11+152.5% | 3.02-9.3% | 5.54+282.1% | 1.83-78.7% | 4.40-49.8% | 3.33-74.3% | 1.45-78.4% |
| Net Interest Income After Loan Loss Provision | 172.86+1.4% | 160.00-1.9% | 162.60+3.0% | 165.94+4.0% | 170.40+6.9% | 163.10+4.9% | 157.89+4.8% | 159.49+1.0% |
| Non-Interest Income | 54.16+22.3% | 43.44+9.5% | 42.68+16.5% | 46.76-1.5% | 44.30+3.7% | 39.67-8.8% | 36.63-13.3% | 47.48+0.6% |
| Non-Interest Expense | 82.39+5.3% | 82.33+7.2% | 75.90+3.4% | 75.90+3.5% | 78.22+4.2% | 76.81+3.6% | 73.40+5.4% | 73.32+5.8% |
| Operating Income | 144.63+6.0% | 121.11-3.9% | 129.39+6.8% | 136.79+2.3% | 136.49+7.5% | 125.96+0.9% | 121.12-1.7% | 133.65-1.5% |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 144.63+6.0% | 121.11-3.9% | 129.39+6.8% | 136.79+2.3% | 136.49+7.5% | 125.96+0.9% | 121.12-1.7% | 133.65-1.5% |
| Income Taxes | 30.15+7.2% | 25.30-2.0% | 27.20+12.3% | 29.91+61.1% | 28.12+3.4% | 25.82-7.4% | 24.23-6.4% | 18.57-36.8% |
| Consolidated Net Income | 114.47+5.6% | 95.81-4.3% | 102.19+5.5% | 106.88-7.1% | 108.38+8.6% | 100.14+3.3% | 96.89-0.5% | 115.08+8.2% |
| Net Income From Continuing Operations | 114.47+5.6% | 95.81-4.3% | 102.19+5.5% | 106.88-7.1% | 108.38+8.6% | 100.14+3.3% | 96.89-0.5% | 115.08+8.2% |
| Net Income | 114.47+5.6% | 95.81-4.3% | 102.19+5.5% | 106.88-7.1% | 108.38+8.6% | 100.14+3.3% | 96.89-0.5% | 115.08+8.2% |
| EPS (Recurring) per share | 1.84+5.7% | 1.54-4.3% | 1.64+5.1% | 1.71-7.6% | 1.74+8.7% | 1.61+3.2% | 1.560.0% | 1.85+8.2% |
| EPS (Basic, Before Extraordinaries) per share | 1.84+5.7% | 1.54-4.3% | 1.64+5.1% | 1.72-7.0% | 1.74+8.7% | 1.61+3.2% | 1.56-0.6% | 1.85+8.2% |
| EPS (Diluted) per share | 1.84+5.7% | 1.54-4.3% | 1.64+5.1% | 1.71-7.6% | 1.74+8.7% | 1.61+3.2% | 1.560.0% | 1.85+8.2% |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.01-50.0% | 0.01-50.0% | 0.01-75.0% | 0.01-75.0% | 0.02-50.0% | 0.02-50.0% | 0.04-33.3% | 0.04-33.3% |
| Price To Earnings Ratio ratio statement ratio, not the snapshot | 10.03 | - | - | - | - | - | - | - |
| Price To Sales Ratio ratio | 3.98 | 4.45 | 3.95 | 3.94 | 4.09 | 3.98 | 3.78 | 3.78 |
| Operating Margin % | 51.64 | 45.90 | 50.29 | 50.54 | 50.35 | 48.33 | 48.20 | 50.81 |
| Net Margin % | 40.88 | 36.31 | 39.72 | 39.49 | 39.98 | 38.42 | 38.56 | 43.75 |
| Shares Outstanding million shares | 62.19+0.0% | 62.19+0.1% | 62.18-0.1% | 62.17-0.1% | 62.16-0.1% | 62.150.0% | 62.22+0.1% | 62.21+0.2% |
| Market Capitalization | 4,195.64-1.8% | 4,722.66+14.2% | 4,183.94+6.6% | 4,130.17+5.1% | 4,273.25+14.9% | 4,136.16+16.3% | 3,923.33+12.4% | 3,928.73+16.5% |
Balance sheet, annual
| Metric | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 | 2017FY12/31/2017 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 536.49+52.1% | 352.65-45.8% | 651.06-68.8% | 2,087.72-34.9% | 3,209.24+60.7% | 1,997.24+677.7% | 256.82-18.9% | 316.80+19.4% | 265.36 |
| Investments | 5,424.57+1.3% | 5,354.44+3.5% | 5,174.61+8.1% | 4,785.46+13.3% | 4,223.40+36.7% | 3,090.37-8.8% | 3,387.42-9.8% | 3,755.99-20.5% | 4,725.89 |
| Net Loans | 9,301.25+7.5% | 8,653.29+9.5% | 7,901.89+8.2% | 7,304.63+2.9% | 7,098.78-4.5% | 7,432.69+8.7% | 6,834.67+5.2% | 6,499.90+3.5% | 6,280.48 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 19.66-31.1% | 28.55+5.9% | 26.96-22.5% | 34.78-13.3% | 40.13-33.7% | 60.49-22.7% | 78.24+22.6% | 63.80+109.0% | 30.52 |
| Net Property, Plant & Equipment | 422.99-1.2% | 428.22-2.0% | 437.09+1.3% | 431.61-3.5% | 447.08-6.8% | 479.88-5.3% | 506.60-0.1% | 506.90-1.5% | 514.45 |
| Interest Receivables | 72.43+0.4% | 72.17+10.5% | 65.30+42.6% | 45.79+49.7% | 30.59-19.2% | 37.88+3.4% | 36.62-0.5% | 36.80+6.8% | 34.46 |
| Deferred Tax Assets | 113.98-23.9% | 149.68+2.3% | 146.30-10.2% | 162.95+329.0% | 37.98+31.7% | 28.83+32.7% | 21.72-39.9% | 36.11+14.1% | 31.64 |
| Other Intangible Assets | 788.29+0.0% | 787.96+4.5% | 753.71+5.7% | 712.85+1.8% | 700.13+3.5% | 676.50-2.5% | 694.11+0.3% | 691.76+107.4% | 333.54 |
| Total Assets | 16,679.65+5.4% | 15,826.98+4.4% | 15,156.93-2.6% | 15,565.80-3.2% | 16,084.22+14.4% | 14,058.30+15.9% | 12,134.62+1.9% | 11,908.06-2.5% | 12,216.34 |
| Total Deposits | 12,436.51+2.7% | 12,111.84+2.4% | 11,824.55-6.6% | 12,660.01+0.3% | 12,617.88+17.7% | 10,721.86+21.5% | 8,826.03+1.5% | 8,696.55+1.8% | 8,544.89 |
| Total Debt | 704.74+7.6% | 654.73+0.7% | 650.03+12.7% | 576.78-42.9% | 1,010.45+1.1% | 999.12+0.1% | 997.69-9.0% | 1,096.07-35.9% | 1,709.45 |
| Long Term Debt | 119.20-0.2% | 119.41-0.2% | 119.61-17.8% | 145.59-74.5% | 570.780.0% | 570.970.0% | 571.15-4.3% | 597.11+45.5% | 410.42 |
| Provision for Risks Charges | 37.20+48.4% | 25.06-26.6% | 34.13-17.1% | 41.19 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 103.31+17.2% | 88.12-2.9% | 90.75+41.1% | 64.33+27.7% | 50.38-3.9% | 52.41+15.2% | 45.48+11.3% | 40.87+11.0% | 36.83 |
| Other Liabilities | 146.25-2.8% | 150.51+37.2% | 109.71-38.6% | 178.74+84.2% | 97.03-9.2% | 106.92-27.4% | 147.36+9.2% | 134.99+56.6% | 86.19 |
| Total Liabilities | 13,428.01+3.1% | 13,030.27+2.5% | 12,709.16-6.0% | 13,521.04-1.8% | 13,775.74+16.0% | 11,880.30+18.6% | 10,016.56+0.5% | 9,968.48-3.9% | 10,377.36 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 3,251.64+16.3% | 2,796.71+14.3% | 2,447.77+19.7% | 2,044.76-11.4% | 2,308.48+6.0% | 2,178.00+2.8% | 2,118.05+9.2% | 1,939.58+5.5% | 1,838.98 |
| Total Shareholders Equity | 3,251.64+16.3% | 2,796.71+14.3% | 2,447.77+19.7% | 2,044.76-11.4% | 2,308.48+6.0% | 2,178.00+2.8% | 2,118.05+9.2% | 1,939.58+5.5% | 1,838.98 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 3,251.64+16.3% | 2,796.71+14.3% | 2,447.77+19.7% | 2,044.76-11.4% | 2,308.48+6.0% | 2,178.00+2.8% | 2,118.05+9.2% | 1,939.58+5.5% | 1,838.98 |
| Total Liabilities & Stockholders Equity | 16,679.65+5.4% | 15,826.98+4.4% | 15,156.93-2.6% | 15,565.80-3.2% | 16,084.22+14.4% | 14,058.30+15.9% | 12,134.62+1.9% | 11,908.06-2.5% | 12,216.34 |
| Book Value Per Share per share | 52.30+16.3% | 44.96+14.0% | 39.43+19.8% | 32.90-9.7% | 36.43+5.8% | 34.42+5.9% | 32.49+9.9% | 29.56+6.2% | 27.83 |
| Tangible Book Value Per Share per share | 47.76+18.2% | 40.41+15.9% | 34.88+23.0% | 28.36-11.3% | 31.97+6.7% | 29.95+6.4% | 28.15+11.4% | 25.26+7.3% | 23.55 |
| Tier 1 Capital | 3,289.92+10.6% | 2,974.88+12.6% | 2,642.49+13.7% | 2,324.90+7.1% | 2,170.68+8.9% | 1,992.40+2.0% | 1,953.71+5.1% | 1,859.54+7.2% | 1,734.60 |
| Tier 2 Capital | 162.92+1.0% | 161.33+9.2% | 147.68+13.1% | 130.56+14.6% | 113.90+0.8% | 112.96+74.4% | 64.78-2.4% | 66.37-8.5% | 72.51 |
| Full-Time Employees people | 2,319-0.7% | 2,336+1.9% | 2,292+5.7% | 2,169-4.1% | 2,261-7.9% | 2,456-25.9% | 3,314-2.2% | 3,390+3.6% | 3,273 |
| Price to Book Ratio ratio | 1.26 | - | - | - | - | - | 1.06 | 0.93 | 1.16 |
| Return on Assets % | 2.54 | 2.64 | 2.68 | 1.90 | 1.68 | 1.28 | 1.71 | 1.79 | 1.31 |
| Return on Equity % | 13.63 | 15.60 | 18.33 | 13.79 | 11.32 | 7.79 | 10.11 | 11.43 | 8.84 |
| Return on Invested Capital % | 12.23 | 14.03 | 16.04 | 13.71 | 8.82 | 6.09 | 7.63 | 8.51 | 7.00 |
| Current Ratio ratio | 0.08 | 0.06 | 0.09 | 0.26 | 0.52 | 0.41 | 0.10 | 0.11 | 0.07 |
Cash flow, annual
| Metric | TTM | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 515.94 | 482.85+0.6% | 479.88-4.5% | 502.66+40.8% | 357.03+8.8% | 328.05-4.3% | 342.72+8.4% | 316.10+20.3% | 262.77 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 20.67 | 30.11+15.5% | 26.07 | -16.05-140.3% | 39.80+47.5% | 26.99-1.4% | 27.38-32.2% | 40.38 | -29.26 |
| Cash from Operating Activities | 536.61 | 512.96+1.4% | 505.95+4.0% | 486.61+22.6% | 396.83+11.8% | 355.04-4.1% | 370.10+3.8% | 356.48+52.7% | 233.51 |
| Capital Expenditures | -17.91 | -18.12 | -14.15 | -27.50 | -19.21 | -10.39 | -6.72 | -29.59 | -21.39 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.05 | 0.02-97.7% | 0.87+222.2% | 0.27-98.0% | 13.50+17.9% | 11.45+1172.2% | 0.90-51.6% | 1.86-58.9% | 4.53 |
| Purchase or Sale of Investments | -390.46 | 69.25 | -191.32 | -419.18 | -766.86 | -1,289.88-627.6% | 244.47+505.6% | 40.37-93.8% | 650.78 |
| Purchase of Investments | -1,563.86 | -944.06 | -1,032.60 | -1,110.47 | -1,534.92 | -2,917.92 | -1,864.26 | -946.10 | -90.76 |
| Sale Or Maturity of Investments | 1,173.40 | 1,013.32+20.5% | 841.27+21.7% | 691.29-10.0% | 768.06-52.8% | 1,628.04-22.8% | 2,108.73+113.8% | 986.47+33.0% | 741.54 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -726.26 | -613.59 | -1,017.07 | -1,079.38 | -1,000.91 | -979.25 | -408.56 | -362.98-196.6% | 375.77 |
| Cash Dividends Paid | -90.79 | -87.06 | -82.08 | -78.25 | -75.38 | -72.84 | -69.93 | -68.67 | -49.60 |
| Change in Capital Stock | 0.59 | -3.14-212.5% | 2.79 | -3.44 | -50.51-3071.2% | 1.70 | -48.34 | -15.92 | -46.52 |
| Repurchase of Common Pref Stock | -0.73 | -4.61 | -0.96 | -4.61 | -52.05 | -0.72 | -48.88 | -17.84 | -48.05 |
| Sale of Common Pref Stock | 1.32 | 1.47-60.9% | 3.76+221.4% | 1.17-24.0% | 1.54-36.1% | 2.41+346.3% | 0.54-71.9% | 1.92+26.3% | 1.52 |
| Proceedsfrom Stock Options | 1.32 | 1.47-60.9% | 3.76+221.4% | 1.17-24.0% | 1.54-36.1% | 2.41+346.3% | 0.54-71.9% | 1.92+26.3% | 1.52 |
| Issuance or Reduction of Debt, Net | -8.39 | 50.01+964.0% | 4.70-93.6% | 73.25 | -433.68-3924.3% | 11.34+693.0% | 1.43 | -98.38 | -613.38 |
| Change in Long Term Debt | -0.21 | -0.21 | 0.00 | -25.77 | 0.00 | -0.19 | 0.00 | -25.77 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | -0.21 | -0.21 | 0.00 | -25.77 | 0.00 | -0.19 | 0.00 | -25.77 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 359.36 | 284.47+33.7% | 212.71 | -843.89 | -517.43-128.2% | 1,836.21+3.2% | 1,778.99 | -53.48 | -557.85 |
| Net Change in Cash | 169.71 | 183.84 | -298.41 | -1,436.67 | -1,121.52-192.5% | 1,212.00-30.4% | 1,740.42 | -59.98-216.6% | 51.44 |
| Free Cash Flow | 518.70 | 494.83+0.6% | 491.81+7.1% | 459.11+21.6% | 377.61+9.6% | 344.65-5.2% | 363.38+11.2% | 326.89+54.1% | 212.12 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow ratio | 9.97 | 10.14 | 9.60 | 8.87 | 9.51 | 9.90 | 8.15 | 10.96 | 14.10 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance sheet, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 759.03+28.8% | 451.16-38.4% | 585.94-0.6% | 536.49+52.1% | 589.32-24.4% | 731.92-7.6% | 589.46-35.1% | 352.65-45.8% |
| Investments | 5,542.87+3.2% | 5,526.70+2.4% | 5,418.76+0.4% | 5,424.57+1.3% | 5,370.95+0.4% | 5,395.41+3.3% | 5,396.48+5.2% | 5,354.44+3.5% |
| Net Loans | 9,614.08+4.0% | 9,693.18+7.9% | 9,488.10+6.4% | 9,301.25+7.5% | 9,245.46+9.7% | 8,983.64+10.6% | 8,921.51+11.9% | 8,653.29+9.5% |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 418.37-1.7% | 420.94-1.7% | 421.50-2.0% | 422.99-1.2% | 425.60-2.3% | 428.36-1.4% | 429.99-1.8% | 428.22-2.0% |
| Interest Receivables | 82.95+7.1% | 77.75+3.9% | 75.32+4.6% | 72.43+0.4% | 77.46+6.3% | 74.84+4.3% | 71.98+8.5% | 72.17+10.5% |
| Deferred Tax Assets | - | - | - | 113.98-23.9% | - | - | - | 149.68+2.3% |
| Other Intangible Assets | 870.20+3.3% | 852.22+0.5% | 836.78-2.7% | 788.29+0.0% | 842.63+2.1% | 848.14-0.5% | 860.21+1.5% | 787.96+4.5% |
| Total Assets | 17,287.51+4.4% | 17,021.95+3.4% | 16,826.41+3.4% | 16,679.65+5.4% | 16,551.42+4.1% | 16,462.31+6.3% | 16,269.64+5.9% | 15,826.98+4.4% |
| Total Deposits | 12,883.65+3.4% | 12,736.04+2.1% | 12,622.73+1.4% | 12,436.51+2.7% | 12,455.69+2.9% | 12,474.66+3.7% | 12,452.09+3.6% | 12,111.84+2.4% |
| Total Debt | 805.24+2.8% | 731.02-6.9% | 724.00-0.7% | 704.74+7.6% | 783.63-5.1% | 785.46+7.4% | 729.31+3.5% | 654.73+0.7% |
| Long Term Debt | 149.04+25.0% | 119.09-29.7% | 119.15-14.5% | 119.20-0.2% | 119.25-0.2% | 169.31+41.7% | 139.36+16.6% | 119.41-0.2% |
| Provision for Risks Charges | 24.77-23.9% | 26.53-18.4% | 28.14+18.4% | 37.20+48.4% | 32.56+43.2% | 32.50+52.9% | 23.77+0.8% | 25.06-26.6% |
| Deferred Tax Liabilities | - | - | - | 103.31+17.2% | - | - | - | 88.12-2.9% |
| Other Liabilities | 234.37+54.5% | 153.06+3.7% | 163.49-3.5% | 146.25-2.8% | 151.73-21.5% | 147.62+13.2% | 169.38+26.9% | 150.51+37.2% |
| Total Liabilities | 13,948.02+3.9% | 13,646.65+1.5% | 13,538.37+1.2% | 13,428.01+3.1% | 13,423.61+2.1% | 13,440.25+4.1% | 13,374.56+3.9% | 13,030.27+2.5% |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 3,339.48+6.8% | 3,375.30+11.7% | 3,288.04+13.6% | 3,251.64+16.3% | 3,127.81+13.8% | 3,022.07+17.3% | 2,895.08+16.6% | 2,796.71+14.3% |
| Total Shareholders Equity | 3,339.48+6.8% | 3,375.30+11.7% | 3,288.04+13.6% | 3,251.64+16.3% | 3,127.81+13.8% | 3,022.07+17.3% | 2,895.08+16.6% | 2,796.71+14.3% |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 3,339.48+6.8% | 3,375.30+11.7% | 3,288.04+13.6% | 3,251.64+16.3% | 3,127.81+13.8% | 3,022.07+17.3% | 2,895.08+16.6% | 2,796.71+14.3% |
| Total Liabilities & Stockholders Equity | 17,287.51+4.4% | 17,021.95+3.4% | 16,826.41+3.4% | 16,679.65+5.4% | 16,551.42+4.1% | 16,462.31+6.3% | 16,269.64+5.9% | 15,826.98+4.4% |
| Book Value Per Share per share | 53.70+6.7% | 54.28+11.6% | 52.88+13.6% | 52.30+16.3% | 50.32+13.8% | 48.62+17.3% | 46.53+16.5% | 44.96+14.0% |
| Tangible Book Value Per Share per share | 49.15+7.4% | 49.73+12.8% | 48.34+15.1% | 47.76+18.2% | 45.77+15.4% | 44.08+19.4% | 41.99+18.6% | 40.41+15.9% |
| Full-Time Employees people | - | - | - | 2,319-0.7% | - | - | - | 2,336+1.9% |
| Price to Book Ratio ratio | 1.26 | - | - | - | - | - | - | - |
| Return on Assets % | 2.48 | 2.47 | 2.52 | 2.54 | 2.59 | 2.58 | 2.58 | 2.64 |
| Return on Equity % | 12.97 | 12.92 | 13.51 | 13.63 | 14.31 | 14.71 | 15.20 | 15.60 |
| Return on Invested Capital % | 3.28 | 2.74 | 3.00 | 3.17 | 3.34 | 3.14 | 3.19 | 3.95 |
| Current Ratio ratio | 0.16 | 0.10 | 0.13 | 0.08 | 0.13 | 0.15 | 0.12 | 0.06 |
Cash flow, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 132.30+12.9% | 125.49+11.6% | 112.84+4.6% | 145.31+42.2% | 117.18-13.6% | 112.47-4.8% | 107.89-12.9% | 102.21-27.1% |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 14.18 | -17.32 | 8.99-72.6% | 14.82-4.5% | -0.79-121.5% | -16.77 | 32.85+147.2% | 15.52 |
| Cash from Operating Activities | 146.48+25.9% | 108.17+13.0% | 121.83-13.4% | 160.13+36.0% | 116.39-16.4% | 95.70-14.4% | 140.74+2.6% | 117.73-13.5% |
| Capital Expenditures | -3.61 | -5.67 | -4.68 | -3.94-338.8% | -2.93 | -3.86 | -7.38 | 1.65 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00-100.0% | 0.03+200.0% | 0.02+100.0% | 0.00-100.0% | 0.010.0% | 0.01-98.2% | 0.01 | 0.29 |
| Purchase or Sale of Investments | -160.95-325.8% | -141.60-421.3% | -38.29-1184.7% | -49.63 | 71.29+36.5% | 44.07 | 3.53+76.5% | -137.00-365.8% |
| Purchase of Investments | -410.68 | -441.46 | -345.28 | -366.44 | -170.38 | -205.95 | -201.30 | -389.34 |
| Sale Or Maturity of Investments | 249.73+3.3% | 299.86+19.9% | 307.00+49.9% | 316.81+25.6% | 241.67+0.5% | 250.01+31.6% | 204.83+29.2% | 252.33+61.7% |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -14.87 | -363.50 | -232.84 | -115.05 | -195.13 | -27.86 | -275.55 | -384.96 |
| Cash Dividends Paid | -45.40 | 0.00 | -45.39 | -0.00 | -43.51 | 0.00 | -43.55 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -0.16-134.8% | 0.21 | 0.38+11.8% | 0.16-33.3% | 0.46+15.0% | -4.10-1238.9% | 0.34-81.1% | 0.24-38.5% |
| Repurchase of Common Pref Stock | -0.52 | -0.10 | -0.06 | -0.06 | 0.00 | -4.55 | 0.00 | -0.22 |
| Sale of Common Pref Stock | 0.36-21.7% | 0.31-31.1% | 0.43+26.5% | 0.22-52.2% | 0.46-29.2% | 0.45+25.0% | 0.34-85.2% | 0.46-9.8% |
| Proceedsfrom Stock Options | 0.36-21.7% | 0.31-31.1% | 0.43+26.5% | 0.22-52.2% | 0.46-29.2% | 0.45+25.0% | 0.34-85.2% | 0.46-9.8% |
| Issuance or Reduction of Debt, Net | 74.22 | 7.02-87.5% | 19.26-74.2% | -79.05 | -1.83-101.9% | 56.15+111.3% | 74.58+36.8% | -170.99-755.6% |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | -0.21 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | -0.21 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 176.26 | 120.55+61.6% | 160.46-56.8% | -97.92 | -63.85-151.7% | 74.62+73.0% | 371.62+80.3% | -159.96 |
| Net Change in Cash | 307.87 | -134.78-194.6% | 49.45-79.1% | -52.83 | -142.60 | 142.46 | 236.81-8.2% | -427.18 |
| Free Cash Flow | 142.87+25.9% | 102.50+11.6% | 117.15-12.2% | 156.18+30.8% | 113.45-14.3% | 91.83-16.1% | 133.36+2.1% | 119.38-6.6% |
| Price to Free Cash Flow ratio | 9.97 | 11.81 | 10.75 | 10.18 | 11.54 | 10.56 | 9.58 | 9.61 |
Revenue breakdown
USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.
| Name | 2024 | 2025 | vs 2024 | 2025 share |
|---|---|---|---|---|
| State Commercial Banks | 833.64 | 842.17 | +1.0% | 100.0% |
| Total | 833.64 | 842.17 | +1.0% | 100.0% |
| Name | 2024 | 2025 | vs 2024 | 2025 share |
|---|---|---|---|---|
| United States | 833.64 | 842.17 | +1.0% | 100.0% |
| Total | 833.64 | 842.17 | +1.0% | 100.0% |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 2.21% | 1.2M | 54.0M | 352.34K |
| 2026-10-15 | 4.41% | 2.4M | 54.1M | 340.03K |
| 2026-09-30 | 4.17% | 2.3M | 54.1M | 326.33K |
| 2026-09-15 | 3.88% | 2.1M | 54.1M | 352.77K |
| 2026-08-31 | 3.29% | 1.8M | 54.1M | 352.25K |
| 2026-08-14 | 3.38% | 1.8M | 54.1M | 360.68K |
| 2026-07-31 | 3.16% | 1.7M | 54.1M | 346.77K |
| 2026-07-15 | 3.12% | 1.7M | 54.1M | 342.48K |
| 2026-06-30 | 3.03% | 1.6M | 54.1M | 366.73K |
| 2026-06-15 | 2.86% | 1.5M | 54.1M | 382.01K |
| 2026-05-29 | 2.79% | 1.5M | 54.1M | 389.10K |
| 2026-05-15 | 2.96% | 1.6M | 54.1M | 391.69K |
| 2026-04-30 | 2.77% | 1.6M | 56.2M | 398.15K |
| 2026-04-15 | 2.45% | 1.4M | 56.2M | 408.01K |
| 2026-03-31 | 2.50% | 1.4M | 56.2M | 373.31K |
| 2026-03-13 | 3.28% | 1.8M | 56.2M | 299.87K |
| 2026-02-27 | 2.64% | 1.5M | 56.2M | 287.79K |
| 2026-02-13 | 2.86% | 1.6M | 56.2M | 275.11K |
| 2026-01-30 | 2.37% | 1.3M | 56.2M | 269.49K |
| 2026-01-15 | 2.18% | 1.2M | 56.2M | 255.37K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 35.00 | 30.30 | 35.00 | 0.00 | 4.438 | 0.00 | 0.00 | 0.884 | -0.708 | 0.019 |
| call | 40.00 | 25.30 | 30.00 | 0.00 | 3.724 | 0.00 | 0.00 | 0.861 | -0.683 | 0.022 |
| call | 45.00 | 20.30 | 25.00 | 0.00 | 3.092 | 0.00 | 0.00 | 0.834 | -0.649 | 0.025 |
| call | 50.00 | 15.20 | 20.00 | 23.18 | 2.516 | 0.00 | 0.00 | 0.801 | -0.606 | 0.028 |
| call | 55.00 | 10.30 | 15.00 | 0.00 | 1.979 | 0.00 | 0.00 | 0.759 | -0.552 | 0.031 |
| call | 60.00 | 5.30 | 10.00 | 0.00 | 1.461 | 0.00 | 0.00 | 0.701 | -0.481 | 0.034 |
| call | 65.00 | 0.50 | 4.90 | 0.00 | 0.902 | 0.00 | 0.00 | 0.614 | -0.331 | 0.038 |
| call | 70.00 | 0.00 | 4.90 | 0.00 | 1.512 | 0.00 | 0.00 | 0.463 | -0.330 | 0.039 |
| call | 75.00 | 0.00 | 5.00 | 0.10 | 0.386 | 260 | 0.00 | 0.034 | -0.018 | 0.007 |
| call | 80.00 | 0.00 | 5.00 | 0.15 | 0.573 | 1.00 | 0.00 | 0.024 | -0.021 | 0.006 |
| call | 85.00 | 0.00 | 4.90 | 0.00 | 0.741 | 0.00 | 0.00 | 0.019 | -0.022 | 0.005 |
| call | 90.00 | 0.00 | 4.90 | 0.00 | 0.892 | 0.00 | 0.00 | 0.016 | -0.023 | 0.004 |
| call | 95.00 | 0.00 | 5.00 | 0.00 | 1.032 | 0.00 | 0.00 | 0.015 | -0.024 | 0.004 |
| call | 100 | 0.00 | 5.00 | 0.00 | 1.161 | 0.00 | 0.00 | 0.013 | -0.025 | 0.003 |
| put | 35.00 | 0.00 | 5.00 | 0.00 | 5.784 | 0.00 | 0.00 | -0.115 | -0.708 | 0.019 |
| put | 40.00 | 0.00 | 4.90 | 0.00 | 4.906 | 0.00 | 0.00 | -0.138 | -0.682 | 0.022 |
| put | 45.00 | 0.00 | 4.90 | 0.00 | 4.138 | 0.00 | 0.00 | -0.165 | -0.648 | 0.025 |
| put | 50.00 | 0.00 | 4.90 | 0.00 | 3.445 | 0.00 | 0.00 | -0.198 | -0.604 | 0.028 |
| put | 55.00 | 0.00 | 4.90 | 0.00 | 2.803 | 0.00 | 0.00 | -0.240 | -0.549 | 0.031 |
| put | 60.00 | 0.00 | 4.90 | 0.10 | 2.189 | 6.00 | 0.00 | -0.298 | -0.477 | 0.034 |
| put | 65.00 | 0.00 | 4.90 | 2.40 | 1.573 | 2.00 | 0.00 | -0.386 | -0.327 | 0.038 |
| put | 70.00 | 0.75 | 4.90 | 0.00 | 0.881 | 0.00 | 0.00 | -0.536 | -0.326 | 0.039 |
| put | 75.00 | 5.50 | 9.90 | 0.00 | 1.293 | 0.00 | 0.00 | -0.966 | -0.014 | 0.007 |
| put | 80.00 | 10.50 | 15.00 | 0.00 | 1.658 | 0.00 | 0.00 | -0.975 | -0.016 | 0.006 |
| put | 85.00 | 15.50 | 19.70 | 0.00 | 1.851 | 0.00 | 0.00 | -0.980 | -0.017 | 0.005 |
| put | 90.00 | 20.50 | 25.00 | 18.44 | 2.205 | 0.00 | 0.00 | -0.983 | -0.017 | 0.004 |
| put | 95.00 | 25.50 | 30.00 | 0.00 | 2.437 | 0.00 | 0.00 | -0.985 | -0.018 | 0.004 |
| put | 100 | 30.50 | 35.00 | 0.00 | 2.649 | 0.00 | 0.00 | -0.986 | -0.018 | 0.003 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-05 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-11-05 | 8-K | Current report | 2026-11-05 | SEC |
| 2026-10-23 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-21 | SEC |
| 2026-10-16 | 25 | Notification of removal from listing and/or registration from a national securities exchange | SEC | |
| 2026-10-13 | CERT | SEC | ||
| 2026-10-13 | 8-A12B | SEC | ||
| 2026-10-06 | 8-K | Current report | 2026-10-06 | SEC |
| 2026-08-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-06 | 8-K | Current report | 2026-08-06 | SEC |
| 2026-08-03 | 8-K | Current report | 2026-08-03 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-21 | SEC |
| 2026-05-21 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-20 | 8-K | Current report | 2026-05-18 | SEC |
| 2026-05-12 | 8-K | Current report | 2026-05-12 | SEC |
| 2026-05-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-07 | 8-K | Current report | 2026-05-07 | SEC |
| 2026-04-29 | SCHEDULE 13G | SEC | ||
| 2026-04-20 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-20 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-20 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-18 | SEC |
| 2026-03-27 | SCHEDULE 13G/A | SEC | ||
| 2026-02-26 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-26 | 8-K | Current report | 2026-02-26 | SEC |
| 2026-02-13 | SCHEDULE 13G | SEC | ||
| 2026-02-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-06 | SEC |
| 2026-02-02 | 8-K | Current report | 2026-02-02 | SEC |
| 2025-11-21 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-11-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-09-30 | SEC |
| 2025-11-06 | 8-K | Current report | 2025-11-06 | SEC |
| 2025-10-09 | SCHEDULE 13G/A | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 720.00K | 1 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 11.33% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 5.39% |
| DIMENSIONAL FUND ADVISORS LP | 5.34% |
| AMERICAN CENTURY COMPANIES INC | 4.96% |
| STATE STREET CORP | 4.53% |
| VANGUARD CAPITAL MANAGEMENT LLC | 4.01% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.53% |
| Boston Trust Walden Corp | 2.01% |
| T. Rowe Price Investment Management, Inc. | 1.87% |
| GOLDMAN SACHS GROUP INC | 1.67% |
Funds
| Fund | % owned |
|---|---|
| iShares Core S&P Mid-Cap ETF | 2.97% |
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.86% |
| Avantis U.S. Small Cap Value ETF | 2.80% |
| iShares Russell 2000 ETF | 2.32% |
| VANGUARD SMALL-CAP INDEX FUND | 2.07% |
| VANGUARD SMALL-CAP VALUE INDEX FUND | 1.31% |
| First Trust SMID Cap Rising Dividend Achievers ETF | 1.03% |
| VANGUARD EXTENDED MARKET INDEX FUND | 1.00% |
| Fidelity Small Cap Index Fund | 0.97% |
| U.S. Targeted Value Portfolio | 0.91% |
OakChart. IBOC. Cached 15 minutes. Terms