International Bancshares | 8-K: FY2025 Q3 EPS: USD 1.74

EPS: As of FY2025 Q3, the actual value is USD 1.74.

Net Income

• Net income for the three months ended September 30, 2025 was $108.4 million, an increase of 8.6% compared to $99.8 million for the same period in 2024.
• Net income for the nine months ended September 30, 2025 was $305.4 million, an increase of 3.8% compared to $294.1 million for the same period in 2024.

Earnings Per Share

• Diluted earnings per share for the three months ended September 30, 2025 was $1.74, an increase of 8.8% compared to $1.60 for the same period in 2024.
• Diluted earnings per share for the nine months ended September 30, 2025 was $4.91, an increase of 4.0% compared to $4.72 for the same period in 2024.

Interest Income and Expense

• Net interest income was positively impacted by an increase in interest income earned on investment and loan portfolios.
• Net interest income was negatively impacted by an increase in interest expense due to higher rates paid on deposits.

Provision for Credit Loss

• Net income for the first nine months of 2025 was positively impacted by a decrease in provision for credit loss expense.

Total Assets and Loans

• Total assets at September 30, 2025 were approximately $16.6 billion, compared to $15.7 billion at December 31, 2024.
• Total net loans were approximately $9.2 billion at September 30, 2025, compared to $8.7 billion at December 31, 2024.

Deposits

• Deposits were approximately $12.5 billion at September 30, 2025, compared to $12.1 billion at December 31, 2024.

Outlook / Guidance

• The company plans to continue focusing on balance sheet, asset, liability, and liquidity management, along with strong cost controls.
• New AI initiatives are expected to create efficiencies across the system, supporting continued industry-leading financial results.
• The company aims to maintain its competitive position among publicly held banks in America.