All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2026-10-06.
From the record
International Bancshares Corporation's filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2026-10-06) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+9.6% a year over 10 filed years; profitable in 10 of 10.
From the record
International Bancshares Corporation's 10 filed years say what it did: revenue went from $388 million in fiscal 2016 to $886 million in fiscal 2025, up 9.6% a year; it rose in 7 of 9 years; the deepest fall was 19% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.3% a year. 18% of cash flow returned. Insiders: 1 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, International Bancshares Corporation's diluted share count shrank about 0.3% a year, and dividends and buybacks returned about 18% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-10-23 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 13%: 13¢ of profit per shareholder dollar. Leverage 80%: owes 80¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, International Bancshares Corporation earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 80 cents per dollar of assets, and net share issuance: its share count shrank 0.1% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 22% of 155 in its family; net margin 46.5%.
From the record
International Bancshares Corporation's standing among 155 graded names in its industry family: revenue of $886 million in fiscal 2025 ranks in the top 26% by size; a net margin of 46.5% ranks in the top 2%; revenue growth of 19% a year over the last 3 filed years ranks in the top 39% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 3% of 150 in its family for leadership.
From the record
International Bancshares Corporation's leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 3 officers and directors filing in the last fifteen months have been on the record a median of 16.3 years (top 4%); no officer or director change was reported on Form 8-K since 2023-11-13, against the 3 people in charge now (top 2%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 28% of 142 in its family for room to expand.
From the record
International Bancshares Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $536 million against no long-term debt tagged leaves 3.2% of its assets as net cash, top 50% of its family; cash from operations less capital spending is 53.4% of revenue (top 6%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 47% of 152 in its family for growth drivers.
From the record
International Bancshares Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 19% a year over the last three filed years against 9.6% over all 10, speeding up (top 15% of its family); the newest year grew 2.3% (bottom 34%); capital spending grew -1.9% a year (bottom 40%) (its annual reports). International Bancshares Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 34% of 150 in its family for expectations against reality.
From the record
International Bancshares Corporation's newest year against its own record: revenue of $886 million in fiscal 2025 came in 20.2% below the $1.1 billion its prior three years' pace pointed to (bottom 27% of its family); net income of $412 million against a prior three-year average of $374 million (bottom 44%); a net margin of 46.5% against 51.9% before (bottom 31%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made