What is the EBITDA margin for International Bancshares Corporation (IBOC)?

The EBITDA margin for IBOC stock is 51.60%.

What is the TTM average EBITDA margin for International Bancshares Corporation (IBOC)?

The TTM average EBITDA margin for IBOC stock is 51.25%.

What is the 3Y average EBITDA margin for International Bancshares Corporation (IBOC)?

The 3Y average EBITDA margin for IBOC stock is 52.06%.

What is the 5Y average EBITDA margin for International Bancshares Corporation (IBOC)?

The 5Y average EBITDA margin for IBOC stock is 52.66%.

What is the 10Y average EBITDA margin for International Bancshares Corporation (IBOC)?

The 10Y average EBITDA margin for IBOC stock is 49.02%.

What is the 15Y average EBITDA margin for International Bancshares Corporation (IBOC)?

The 15Y average EBITDA margin for IBOC stock is 45.84%.

What is the 20Y average EBITDA margin for International Bancshares Corporation (IBOC)?

The 20Y average EBITDA margin for IBOC stock is 42.77%.

International Bancshares (IBOC) EBITDA Margin: History & Chart

Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.

Is the EBITDA margin high or low?

The EBITDA margin of 51.60% is in line with its 5-year average of 52.66%, near the low end of its 5-year range (48.21%–63.67%).

0.68% above its 12-month average of 51.25%.

EBITDA|Gross Margin|Operating Margin|Profit Margin|All Metrics

IBOC EBITDA Margin Metrics

EBITDA MARGIN

51.60%

EBITDA MARGIN AVG TTM

51.25%

EBITDA MARGIN AVG 3Y

52.06%

EBITDA MARGIN AVG 5Y

52.66%

EBITDA MARGIN AVG 10Y

49.02%

EBITDA MARGIN AVG 15Y

45.84%

EBITDA MARGIN AVG 20Y

42.77%

CURRENT VS TTM AVG

+0.68%

CURRENT VS 3Y AVG

-0.88%

CURRENT VS 5Y AVG

-2.01%

CURRENT VS 10Y AVG

+5.26%

CURRENT VS 15Y AVG

+12.57%

CURRENT VS 20Y AVG

+20.64%

IBOC Competitors' EBITDA Margin

IBOC

International Bancshares Corporation

Current

Market Cap

$4.30B

EBITDA Margin

51.60%

TTM Avg

51.25%

3Y Avg

52.06%

5Y Avg

52.66%

FULT

Fulton Financial Corporation

vs IBOC

Market Cap

$4.30B

EBITDA Margin

27.99%

TTM Avg

25.14%

3Y Avg

27.61%

5Y Avg

28.45%

SLM

SLM Corporation

vs IBOC

Market Cap

$4.24B

EBITDA Margin

32.44%

TTM Avg

29.88%

3Y Avg

28.80%

5Y Avg

38.29%

MARA

Marathon Digital Holdings, Inc.

vs IBOC

Market Cap

$4.19B

EBITDA Margin

-5.45%

TTM Avg

53.09%

3Y Avg

-73.91%

5Y Avg

-79.58%

QTUM

Defiance Quantum ETF

vs IBOC

Market Cap

$4.15B

EBITDA Margin

N/A

TTM Avg

N/A

3Y Avg

N/A

5Y Avg

N/A

TCBI

Texas Capital Bancshares, Inc.

vs IBOC

Market Cap

$4.05B

EBITDA Margin

24.01%

TTM Avg

16.59%

3Y Avg

21.88%

5Y Avg

24.23%

FFIN

First Financial Bankshares, Inc.

vs IBOC

Market Cap

$4.57B

EBITDA Margin

38.74%

TTM Avg

38.67%

3Y Avg

42.93%

5Y Avg

46.66%

CATY

Cathay General Bancorp

vs IBOC

Market Cap

$4.03B

EBITDA Margin

31.13%

TTM Avg

27.59%

3Y Avg

35.39%

5Y Avg

38.86%

FULTP

Fulton Financial Corporation

vs IBOC

Market Cap

$4.58B

EBITDA Margin

27.99%

TTM Avg

25.14%

3Y Avg

27.61%

5Y Avg

28.45%

TCBIO

Texas Capital Bancshares, Inc.

vs IBOC

Market Cap

$4.01B

EBITDA Margin

24.01%

TTM Avg

16.59%

3Y Avg

21.88%

5Y Avg

24.23%

NAME	MARKET CAP	EBITDA MARGIN	TTM	3Y	5Y
International Bancshares Corporation (IBOC)	$4.30B	51.60%	51.25%	52.06%	52.66%
Fulton Financial Corporation (FULT)vs ›	$4.30B	27.99%	25.14%	27.61%	28.45%
SLM Corporation (SLM)vs ›	$4.24B	32.44%	29.88%	28.80%	38.29%
Marathon Digital Holdings, Inc. (MARA)vs ›	$4.19B	-5.45%	53.09%	-73.91%	-79.58%
Defiance Quantum ETF (QTUM)vs ›	$4.15B	N/A	N/A	N/A	N/A
Texas Capital Bancshares, Inc. (TCBI)vs ›	$4.05B	24.01%	16.59%	21.88%	24.23%
First Financial Bankshares, Inc. (FFIN)vs ›	$4.57B	38.74%	38.67%	42.93%	46.66%
Cathay General Bancorp (CATY)vs ›	$4.03B	31.13%	27.59%	35.39%	38.86%
Fulton Financial Corporation (FULTP)vs ›	$4.58B	27.99%	25.14%	27.61%	28.45%
Texas Capital Bancshares, Inc. (TCBIO)vs ›	$4.01B	24.01%	16.59%	21.88%	24.23%

Margin Comparison

EBITDA Margin

51.6%

Operating Margin

49.2%

Net Margin

38.8%

Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Formula: EBITDA Margin = (EBITDA / Revenue) × 100

Why EBITDA Margin matters:

Removes effects of depreciation policies (D&A)
Capital structure neutral (ignores interest)
Tax neutral (ignores tax differences)
Good proxy for operating cash generation

EBITDA Margin Formula & Definition

EBITDA Margin = EBITDA / Revenue

EBITDA margin measures operating profitability before interest, taxes, depreciation, and amortization as a percentage of revenue.

Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute

EBITDA Margin FAQ

What is the EBITDA margin for International Bancshares Corporation (IBOC)?: The EBITDA margin for IBOC stock is 51.60%.
Is International Bancshares Corporation's EBITDA margin high or low?: The EBITDA margin of 51.60% is in line with its 5-year average of 52.66%, near the low end of its 5-year range (48.21%–63.67%).
What is the TTM average EBITDA margin for International Bancshares Corporation (IBOC)?: The TTM average EBITDA margin for IBOC stock is 51.25%.
What is the 3Y average EBITDA margin for International Bancshares Corporation (IBOC)?: The 3Y average EBITDA margin for IBOC stock is 52.06%.
What is the 5Y average EBITDA margin for International Bancshares Corporation (IBOC)?: The 5Y average EBITDA margin for IBOC stock is 52.66%.
What is the 10Y average EBITDA margin for International Bancshares Corporation (IBOC)?: The 10Y average EBITDA margin for IBOC stock is 49.02%.
What is the 15Y average EBITDA margin for International Bancshares Corporation (IBOC)?: The 15Y average EBITDA margin for IBOC stock is 45.84%.
What is the 20Y average EBITDA margin for International Bancshares Corporation (IBOC)?: The 20Y average EBITDA margin for IBOC stock is 42.77%.

IBOC EBITDA Margin History

DATE	EBITDA MARGIN
2026-06-30	48.21%
2026-03-31	52.69%
2025-12-31	52.96%
2025-09-30	52.15%
2025-06-30	50.24%
2025-03-31	50.36%
2024-12-31	52.97%
2024-09-30	49.74%
2024-06-30	50.38%
2024-03-31	50.67%
2023-12-31	55.16%
2023-09-30	54.71%
2023-06-30	56.49%
2023-03-31	58.81%
2022-12-31	63.67%
2022-09-30	55.86%
2022-06-30	51.76%
2022-03-31	52.47%
2021-12-31	54.15%
2021-09-30	50.69%
2021-06-30	63.58%
2021-03-31	52.69%
2020-12-31	49.76%
2020-09-30	42.94%
2020-06-30	40.57%
2020-03-31	33.78%
2019-12-31	45.57%
2019-09-30	43.58%
2019-06-30	43.99%
2019-03-31	45.04%
2018-12-31	49.28%
2018-09-30	44.44%
2018-06-30	46.43%
2018-03-31	49.17%
2017-12-31	45.41%
2017-09-30	44.79%
2017-06-30	43.84%
2017-03-31	40.37%
2016-12-31	41.46%
2016-09-30	41.46%
2016-06-30	37.65%
2016-03-31	40.82%
2015-12-31	43.23%
2015-09-30	38.46%
2015-06-30	41.95%
2015-03-31	44.91%
2014-12-31	46.18%
2014-09-30	41.61%
2014-06-30	45.52%
2014-03-31	45.72%
2013-12-31	44.76%
2013-09-30	40.17%
2013-06-30	36.87%
2013-03-31	32.32%
2012-12-31	34.31%
2012-09-30	27.63%
2012-06-30	32.87%
2012-03-31	38.09%
2011-12-31	37.15%
2011-09-30	35.92%
2011-06-30	37.57%
2011-03-31	38.77%
2010-12-31	38.96%
2010-09-30	35.44%
2010-06-30	38.30%
2010-03-31	30.82%
2009-12-31	38.91%
2009-09-30	37.49%
2009-06-30	30.52%
2009-03-31	37.41%
2008-12-31	32.71%
2008-09-30	40.40%
2008-03-31	32.47%
2007-12-31	29.07%
2007-09-30	29.41%
2007-06-30	30.75%
2007-03-31	19.51%
2006-12-31	27.57%
2006-09-30	25.31%
2006-06-30	31.98%
2006-03-31	24.04%
2005-12-31	38.68%
2005-09-30	35.47%
2005-06-30	39.93%
2005-03-31	44.67%
2004-12-31	43.73%
2004-09-30	45.08%
2004-06-30	50.24%
2004-03-31	52.60%
2003-12-31	55.30%
2003-09-30	60.73%
2003-06-30	44.82%
2003-03-31	50.95%
2002-12-31	44.85%
2002-09-30	48.56%

EBITDA Margin: 51.60%

IBOC EBITDA Margin

IBOC Average EBITDA Margin Chart

IBOC Current vs Average EBITDA Margin Chart

IBOC EBITDA Margin Metrics

IBOC Competitors' EBITDA Margin

Margin Comparison

EBITDA Margin Formula & Definition

EBITDA Margin FAQ

IBOC EBITDA Margin History

Related Metrics