CFR
Cullen/Frost Bankers·NYSE
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CFR fundamentals
Cullen/Frost Bankers (CFR) released its earnings on Oct 30, 2025: revenue was 567.26M (YoY +9.50%), beat estimates; EPS was 2.67 (YoY +19.20%), beat estimates.
Revenue / YoY
567.26M
+9.50%
EPS / YoY
2.67
+19.20%
Report date
Oct 30, 2025
CFR Earnings Call Summary for Q3,2025
- Record Q3 Earnings: $172.7M net income (+19.2% YoY), driven by 6.8% loan growth and 3.3% deposit growth.
- Expansion Payoff: Expansion regions contributed $0.09 EPS accretion, with Houston 1.0 maturing and Austin near breakeven.
- Strong Fee Growth: Noninterest income guidance raised to 6.5-7.5% YoY, led by trust/insurance fees (+9.3% YoY).
- Credit Strength: NPA 22 bps (lowest in 5 years), energy portfolio hedged at 40s oil stress level.
- Buyback Signal: $69.3M share buyback reflects capital strength, with 2026 expense growth expected to moderate to mid-single digits.
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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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What is Cullen/Frost Bankers's latest dividend and current dividend yield?What is the market's earnings forecast for Cullen/Frost Bankers next quarter?Did Cullen/Frost Bankers beat or miss consensus estimates last quarter?What is the revenue and EPS growth rate for Cullen/Frost Bankers year over year?What were the key takeaways from Cullen/Frost Bankers’s earnings call?What guidance did Cullen/Frost Bankers's management provide for the next earnings period?What were the key takeaways from Cullen/Frost Bankers's earnings call?What is Cullen/Frost Bankers's gross profit margin?
