Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 38.81% is in line with its 5-year average of 40.02%, near the low end of its 5-year range (36.27%–47.82%).
0.28% above its 12-month average of 38.70%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 36.27%.
NET PROFIT MARGIN
38.81%
NET PROFIT MARGIN AVG TTM
38.70%
NET PROFIT MARGIN AVG 3Y
39.57%
NET PROFIT MARGIN AVG 5Y
40.02%
NET PROFIT MARGIN AVG 10Y
35.39%
NET PROFIT MARGIN AVG 15Y
31.28%
NET PROFIT MARGIN AVG 20Y
27.92%
CURRENT VS TTM AVG
+0.28%
CURRENT VS 3Y AVG
-1.92%
CURRENT VS 5Y AVG
-3.02%
CURRENT VS 10Y AVG
+9.66%
CURRENT VS 15Y AVG
+24.06%
CURRENT VS 20Y AVG
+39.01%
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+193.90%
vs the sector median at left
International Bancshares Corporation
Market Cap
$4.30B
Net Profit Margin
38.81%
TTM Avg
38.70%
3Y Avg
39.57%
5Y Avg
40.02%
Market Cap
$4.30B
Net Profit Margin
20.71%
TTM Avg
18.38%
3Y Avg
20.49%
5Y Avg
21.32%
Market Cap
$4.23B
Net Profit Margin
23.97%
TTM Avg
22.16%
3Y Avg
21.15%
5Y Avg
28.40%
Market Cap
$4.19B
Net Profit Margin
-429.71%
TTM Avg
-31.06%
3Y Avg
-146.03%
5Y Avg
-141.20%
Market Cap
$4.06B
Net Profit Margin
18.58%
TTM Avg
10.46%
3Y Avg
14.54%
5Y Avg
14.92%
Market Cap
$4.04B
Net Profit Margin
24.97%
TTM Avg
21.66%
3Y Avg
27.51%
5Y Avg
30.37%
Market Cap
$4.58B
Net Profit Margin
31.16%
TTM Avg
30.48%
3Y Avg
33.86%
5Y Avg
36.92%
Market Cap
$4.58B
Net Profit Margin
20.71%
TTM Avg
18.38%
3Y Avg
20.49%
5Y Avg
21.32%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| International Bancshares Corporation (IBOC) | $4.30B | 38.81% | 38.70% | 39.57% | 40.02% |
| Fulton Financial Corporation (FULT)vs › | $4.30B | 20.71% | 18.38% | 20.49% | 21.32% |
| SLM Corporation (SLM)vs › | $4.23B | 23.97% | 22.16% | 21.15% | 28.40% |
| Marathon Digital Holdings, Inc. (MARA)vs › | $4.19B | -429.71% | -31.06% | -146.03% | -141.20% |
| Defiance Quantum ETF (QTUM)vs › | $4.14B | N/A | N/A | N/A | N/A |
| Texas Capital Bancshares, Inc. (TCBI)vs › | $4.06B | 18.58% | 10.46% | 14.54% | 14.92% |
| Cathay General Bancorp (CATY)vs › | $4.04B | 24.97% | 21.66% | 27.51% | 30.37% |
| First Financial Bankshares, Inc. (FFIN)vs › | $4.58B | 31.16% | 30.48% | 33.86% | 36.92% |
| Fulton Financial Corporation (FULTP)vs › | $4.58B | 20.71% | 18.38% | 20.49% | 21.32% |
| Texas Capital Bancshares, Inc. (TCBIO)vs › | $4.00B | 18.58% | 10.46% | 14.54% | 14.92% |
Operating Margin
49.2%
Net Profit Margin
38.8%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 36.27% |
| 2026-03-31 | 39.72% |
| 2025-12-31 | 39.49% |
| 2025-09-30 | 39.75% |
| 2025-06-30 | 38.28% |
| 2025-03-31 | 38.50% |
| 2024-12-31 | 43.78% |
| 2024-09-30 | 37.44% |
| 2024-06-30 | 37.42% |
| 2024-03-31 | 38.27% |
| 2023-12-31 | 41.52% |
| 2023-09-30 | 41.38% |
| 2023-06-30 | 42.61% |
| 2023-03-31 | 44.48% |
| 2022-12-31 | 47.82% |
| 2022-09-30 | 41.74% |
| 2022-06-30 | 37.93% |
| 2022-03-31 | 38.22% |
| 2021-12-31 | 39.80% |
| 2021-09-30 | 36.79% |
| 2021-06-30 | 46.98% |
| 2021-03-31 | 37.86% |
| 2020-12-31 | 34.82% |
| 2020-09-30 | 30.51% |
| 2020-06-30 | 28.19% |
| 2020-03-31 | 22.96% |
| 2019-12-31 | 32.55% |
| 2019-09-30 | 30.84% |
| 2019-06-30 | 31.02% |
| 2019-03-31 | 32.40% |
| 2018-12-31 | 36.08% |
| 2018-09-30 | 31.76% |
| 2018-06-30 | 33.61% |
| 2018-03-31 | 35.52% |
| 2017-12-31 | 31.11% |
| 2017-09-30 | 26.72% |
| 2017-06-30 | 29.58% |
| 2017-03-31 | 23.76% |
| 2016-12-31 | 25.34% |
| 2016-09-30 | 26.09% |
| 2016-06-30 | 22.07% |
| 2016-03-31 | 23.90% |
| 2015-12-31 | 26.16% |
| 2015-09-30 | 22.27% |
| 2015-06-30 | 24.35% |
| 2015-03-31 | 26.38% |
| 2014-12-31 | 27.36% |
| 2014-09-30 | 24.72% |
| 2014-06-30 | 26.79% |
| 2014-03-31 | 28.01% |
| 2013-12-31 | 27.18% |
| 2013-09-30 | 23.38% |
| 2013-06-30 | 20.68% |
| 2013-03-31 | 20.00% |
| 2012-12-31 | 19.05% |
| 2012-09-30 | 15.42% |
| 2012-06-30 | 18.25% |
| 2012-03-31 | 22.80% |
| 2011-12-31 | 19.78% |
| 2011-09-30 | 19.78% |
| 2011-06-30 | 20.95% |
| 2011-03-31 | 21.56% |
| 2010-12-31 | 18.72% |
| 2010-09-30 | 20.82% |
| 2010-06-30 | 20.93% |
| 2010-03-31 | 16.74% |
| 2009-12-31 | 20.82% |
| 2009-09-30 | 20.82% |
| 2009-06-30 | 16.35% |
| 2009-03-31 | 20.59% |
| 2008-12-31 | 17.37% |
| 2008-09-30 | 17.92% |
| 2008-06-30 | 17.58% |
| 2008-03-31 | 17.17% |
| 2007-12-31 | 17.24% |
| 2007-09-30 | 15.95% |
| 2007-06-30 | 16.50% |
| 2007-03-31 | 9.86% |
| 2006-12-31 | 15.12% |
| 2006-09-30 | 13.53% |
| 2006-06-30 | 17.65% |
| 2006-03-31 | 13.11% |
| 2005-12-31 | 18.95% |
| 2005-09-30 | 20.76% |
| 2005-06-30 | 20.42% |
| 2005-03-31 | 23.43% |
| 2004-12-31 | 22.59% |
| 2004-09-30 | 24.08% |
| 2004-06-30 | 25.32% |
| 2004-03-31 | 26.71% |
| 2003-12-31 | 25.96% |
| 2003-09-30 | 29.55% |
| 2003-06-30 | 25.89% |
| 2003-03-31 | 28.19% |
| 2002-12-31 | 15.77% |
| 2002-09-30 | 25.99% |
