CFR
Cullen/Frost Bankers·NYSE
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CFR fundamentals
Cullen/Frost Bankers (CFR) released its earnings on Jan 29, 2026: revenue was 603.38M (YoY +8.41%), beat estimates; EPS was 2.56 (YoY +8.47%), beat estimates.
Revenue / YoY
603.38M
+8.41%
EPS / YoY
2.56
+8.47%
Report date
Jan 29, 2026
CFR Earnings Call Summary for Q4,2025
- Revenue Growth: Full year 2025 net income up 11.5% to $641.9M, driven by 6.5% loan growth and 3.5% deposit growth.
- Expansion Success: Expansion locations added $3B+ deposits and $2.37B loans, with mortgage lending exceeding $500M target.
- Credit Quality: Nonperforming assets at 33bps of loans, stable from Q3. 2026 net charge-offs expected at 20-25bps.
- NIM Outlook: Full year 2026 NIM to improve 5-10bps, supported by 3 Fed rate cuts.
- Share Buybacks: $300M authorized for 2026, following $80.7M repurchased in Q4.
- No M&A Interest: Focused on organic growth with 12-15 new branches/year.
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Key Indicators
Cullen/Frost Bankers (CFR) key financial stats and ratios, covering profitability, financial health, and leverage.
Cullen/Frost Bankers (CFR)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Cullen/Frost Bankers (CFR)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Cullen/Frost Bankers (CFR)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Cullen/Frost Bankers (CFR) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Cullen/Frost Bankers (CFR) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What guidance did Cullen/Frost Bankers's management provide for the next earnings period?What is the revenue and EPS growth rate for Cullen/Frost Bankers year over year?What factors drove the changes in Cullen/Frost Bankers's revenue and profit?What were the key takeaways from Cullen/Frost Bankers's earnings call?Did Cullen/Frost Bankers beat or miss consensus estimates last quarter?What were the key takeaways from Cullen/Frost Bankers’s earnings call?What does Cullen/Frost Bankers do and what are its main business segments?What is Cullen/Frost Bankers's latest dividend and current dividend yield?
