IBOC Overview

Upcoming Ex-Dividend Dates: On August 15, 2025, International Bancshares Corp., Oppenheimer Holdings Inc Class A, and FirstCash Holdings Inc will trade ex-dividend, with respective dividends of $0.70, $0.18, and $0.42 payable on August 29, 2025.

Market Reactions and Dividend Yields: Following the announcement, shares are expected to open lower by approximately 0.99% for IBOC, 0.25% for OPY, and 0.30% for FCFS, with estimated annual yields of 1.97%, 0.99%, and 1.21% respectively based on historical dividend stability.

Financial Performance: International Bancshares Corporation reported a net income of $100.1 million for Q2 2025, reflecting a 3.2% increase in diluted earnings per share compared to the same period in 2024. For the first half of 2025, net income rose to $197.0 million, driven by increased interest income and a decrease in credit loss expenses.

Company Growth and Strategy: The bank's total assets grew to approximately $16.5 billion, with total net loans at about $9.0 billion and deposits at $12.5 billion as of June 30, 2025. The CEO emphasized a commitment to customer service, financial management, and efficiency initiatives to maintain strong performance amid economic uncertainty.

Dividend Announcement: International Bancshares Corporation declared a cash dividend of 70 cents per share for shareholders, payable on August 29, 2025, due to strong financial performance and capital position.

Company Overview: IBC is a multi-bank financial holding company based in Laredo, Texas, with over $16.3 billion in assets and operations across Texas and Oklahoma.

Dividend Predictability: Dividend amounts are unpredictable and fluctuate based on a company's profitability, as illustrated by the history of International Bancshares Corp. (IBOC).

Investment Insight: Evaluating IBOC's dividend history can help investors determine the likelihood of maintaining a 2% annual yield.

Validea's Low PE Investor Model: Today's upgrades for Validea's Low PE Investor model highlight International Bancshares Corp (IBOC), which saw its rating increase from 60% to 79% based on strong fundamentals and valuation, indicating growing interest in the stock.

About John Neff and Validea: John Neff, known for his conservative investment approach, achieved significant returns with the Windsor Fund, outperforming the S&P 500 over three decades. Validea provides investment research based on strategies from renowned investors like Neff.