Is INTERNATIONAL BANCSHARES CORP (IBOC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 65.1% | |
| Net Margin | 49.8% | |
| Return on Equity (ROE) | 13.6% | |
| Return on Assets (ROA) | 2.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $491M |
| Free Cash Flow | $473M |
| Total Debt | $119M |
| Total Assets | $16.6B |
Price & Trading
| Last Close | $67.85 |
| 50-Day MA | $69.51 |
| 200-Day MA | $68.68 |
| Avg Volume | 353K |
| Beta | 0.7 |
|
52-Week Range
$54.11
| |
About INTERNATIONAL BANCSHARES CORP (IBOC)
International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
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Frequently Asked Questions
Is INTERNATIONAL BANCSHARES CORP (IBOC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), INTERNATIONAL BANCSHARES CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is INTERNATIONAL BANCSHARES CORP's debt ratio?
INTERNATIONAL BANCSHARES CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are INTERNATIONAL BANCSHARES CORP's key financial metrics?
INTERNATIONAL BANCSHARES CORP has a market capitalization of $4.2B, trailing P/E ratio of 10.2, and revenue of $842M. Return on equity stands at 13.6%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.