Basis: Trailing twelve months (TTM), to the latest fiscal quarter end. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 12.24% is 12% below its 5-year average of 13.89%, near the low end of its 5-year range (10.23%–18.73%).
As of the fiscal period ended Tuesday, June 30, 2026. 5.38% below its 12-month average of 12.94%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 12.24%.
RETURN ON EQUITY (ROE)
12.24%
RETURN ON EQUITY (ROE) AVG TTM
12.94%
RETURN ON EQUITY (ROE) AVG 3Y
14.88%
RETURN ON EQUITY (ROE) AVG 5Y
13.89%
RETURN ON EQUITY (ROE) AVG 10Y
11.49%
RETURN ON EQUITY (ROE) AVG 15Y
10.32%
RETURN ON EQUITY (ROE) AVG 20Y
10.77%
CURRENT VS TTM AVG
-5.38%
CURRENT VS 3Y AVG
-17.73%
CURRENT VS 5Y AVG
-11.85%
CURRENT VS 10Y AVG
+6.59%
CURRENT VS 15Y AVG
+18.62%
CURRENT VS 20Y AVG
+13.63%
SECTOR MEDIAN · FINANCIAL SERVICES
9.33%
median of 481 covered companies
CURRENT VS SECTOR MEDIAN
+31.23%
vs the sector median at left
International Bancshares Corporation
Market Cap
$4.32B
Return on Equity (ROE)
12.24%
TTM Avg
12.94%
3Y Avg
14.88%
5Y Avg
13.89%
Market Cap
$4.32B
Return on Equity (ROE)
10.39%
TTM Avg
10.13%
3Y Avg
10.42%
5Y Avg
9.77%
Market Cap
$4.22B
Return on Equity (ROE)
-208.11%
TTM Avg
-12.34%
3Y Avg
-47.09%
5Y Avg
-32.86%
Market Cap
$4.15B
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.05B
Return on Equity (ROE)
11.40%
TTM Avg
10.41%
3Y Avg
12.09%
5Y Avg
11.66%
Market Cap
$4.59B
Return on Equity (ROE)
13.47%
TTM Avg
13.57%
3Y Avg
14.73%
5Y Avg
13.98%
Market Cap
$4.59B
Return on Equity (ROE)
10.39%
TTM Avg
10.13%
3Y Avg
10.42%
5Y Avg
9.77%
Market Cap
$3.92B
Return on Equity (ROE)
12.87%
TTM Avg
13.16%
3Y Avg
14.15%
5Y Avg
13.37%
Market Cap
$3.88B
Return on Equity (ROE)
28.21%
TTM Avg
28.77%
3Y Avg
30.29%
5Y Avg
28.91%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| International Bancshares Corporation (IBOC) | $4.32B | 12.24% | 12.94% | 14.88% | 13.89% |
| Fulton Financial Corporation (FULT)vs › | $4.32B | 10.39% | 10.13% | 10.42% | 9.77% |
| Marathon Digital Holdings, Inc. (MARA)vs › | $4.22B | -208.11% | -12.34% | -47.09% | -32.86% |
| Defiance Quantum ETF (QTUM)vs › | $4.15B | N/A | N/A | N/A | N/A |
| Cathay General Bancorp (CATY)vs › | $4.05B | 11.40% | 10.41% | 12.09% | 11.66% |
| First Financial Bankshares, Inc. (FFIN)vs › | $4.59B | 13.47% | 13.57% | 14.73% | 13.98% |
| Fulton Financial Corporation (FULTP)vs › | $4.59B | 10.39% | 10.13% | 10.42% | 9.77% |
| BFC Capital Trust II PFD TR 7.20% (BANFP)vs › | $3.92B | 12.87% | 13.16% | 14.15% | 13.37% |
| CorVel Corporation (CRVL)vs › | $3.88B | 28.21% | 28.77% | 30.29% | 28.91% |
| Independent Bank Corp. (INDB)vs › | $3.86B | 7.73% | 6.08% | 7.39% | 6.79% |
ROE
12.2%
ROA
2.4%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2026-06-30 | 12.24% |
| 2026-03-31 | 12.70% |
| 2025-12-31 | 12.68% |
| 2025-09-30 | 13.44% |
| 2025-06-30 | 13.63% |
| 2025-03-31 | 14.12% |
| 2024-12-31 | 14.63% |
| 2024-09-30 | 14.57% |
| 2024-06-30 | 15.67% |
| 2024-03-31 | 16.40% |
| 2023-12-31 | 16.82% |
| 2023-09-30 | 18.73% |
| 2023-06-30 | 17.83% |
| 2023-03-31 | 16.16% |
| 2022-12-31 | 14.68% |
| 2022-09-30 | 12.86% |
| 2022-06-30 | 10.61% |
| 2022-03-31 | 11.95% |
| 2021-12-31 | 11.00% |
| 2021-09-30 | 10.71% |
| 2021-06-30 | 10.23% |
| 2021-03-31 | 8.36% |
| 2020-12-31 | 7.68% |
| 2020-09-30 | 7.98% |
| 2020-06-30 | 8.38% |
| 2020-03-31 | 8.78% |
| 2019-12-31 | 9.68% |
| 2019-09-30 | 10.25% |
| 2019-06-30 | 10.27% |
| 2019-03-31 | 10.80% |
| 2018-12-31 | 11.13% |
| 2018-09-30 | 10.90% |
| 2018-06-30 | 10.17% |
| 2018-03-31 | 9.77% |
| 2017-12-31 | 8.56% |
| 2017-09-30 | 8.14% |
| 2017-06-30 | 8.01% |
| 2017-03-31 | 7.60% |
| 2016-12-31 | 7.77% |
| 2016-09-30 | 7.64% |
| 2016-06-30 | 7.45% |
| 2016-03-31 | 7.87% |
| 2015-12-31 | 8.21% |
| 2015-09-30 | 8.46% |
| 2015-06-30 | 8.69% |
| 2015-03-31 | 8.98% |
| 2014-12-31 | 9.69% |
| 2014-09-30 | 9.99% |
| 2014-06-30 | 9.90% |
| 2014-03-31 | 9.68% |
| 2013-12-31 | 8.87% |
| 2013-09-30 | 7.99% |
| 2013-06-30 | 7.67% |
| 2013-03-31 | 7.26% |
| 2012-12-31 | 7.51% |
| 2012-09-30 | 7.01% |
| 2012-06-30 | 7.17% |
| 2012-03-31 | 7.80% |
| 2011-12-31 | 7.95% |
| 2011-09-30 | 8.03% |
| 2011-06-30 | 8.33% |
| 2011-03-31 | 8.88% |
| 2010-12-31 | 8.91% |
| 2010-09-30 | 9.29% |
| 2010-06-30 | 9.62% |
| 2010-03-31 | 9.72% |
| 2009-12-31 | 10.14% |
| 2009-09-30 | 9.96% |
| 2009-06-30 | 9.98% |
| 2009-03-31 | 10.32% |
| 2008-12-31 | 10.51% |
| 2008-09-30 | 13.65% |
| 2008-06-30 | 13.60% |
| 2008-03-31 | 14.07% |
| 2007-12-31 | 12.96% |
| 2007-09-30 | 12.93% |
| 2007-06-30 | 12.77% |
| 2007-03-31 | 12.67% |
| 2006-12-31 | 13.89% |
| 2006-09-30 | 14.49% |
| 2006-06-30 | 16.36% |
| 2006-03-31 | 15.84% |
| 2005-12-31 | 17.76% |
| 2005-09-30 | 17.30% |
| 2005-06-30 | 17.60% |
| 2005-03-31 | 17.13% |
| 2004-12-31 | 15.81% |
| 2004-09-30 | 15.60% |
| 2004-06-30 | 17.24% |
| 2004-03-31 | 19.21% |
| 2003-12-31 | 21.15% |
| 2003-09-30 | 20.39% |
| 2003-06-30 | 19.04% |
