Cullen/Frost Bankers, Inc. (CFR)
NYSE: CFR · Real-Time Price · USD
132.79
-2.73 (-2.01%)
Jun 1, 2026, 4:00 PM EDT - Market closed
Cullen/Frost Bankers Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Interest Income | 2,230 | 1,736 | 1,605 | 1,559 | 1,291 | 984.87 |
Net Interest Income Growth | 8.00% | 8.20% | 2.95% | 20.71% | 31.11% | 0.91% |
Non-Interest Income | 511.4 | 499.1 | 459.1 | 428.54 | 404.82 | 386.73 |
Non-Interest Income Growth | 8.41% | 8.71% | 7.13% | 5.86% | 4.68% | -38.79% |
Revenues Before Loan Losses | 2,741 | 2,235 | 2,064 | 1,987 | 1,696 | 1,372 |
Provision for Credit Losses | 37.88 | 44.2 | 64.99 | 46.17 | 3 | 0.06 |
| 2,703 | 2,191 | 1,999 | 1,941 | 1,693 | 1,372 | |
Revenue Growth (YoY) | 9.36% | 9.62% | 2.97% | 14.64% | 23.45% | 0.36% |
Compensation Expenses | 828.58 | 820.75 | 743.84 | 663.02 | 580.7 | 477.53 |
Selling, General & Admin | 324.49 | 321.44 | 314.51 | 336.27 | 248.87 | 232.31 |
Other Non-Interest Expenses | 283.89 | 277.16 | 244.41 | 229.37 | 194.7 | 172.15 |
Total Non-Interest Expense | 1,437 | 1,419 | 1,303 | 1,229 | 1,024 | 881.99 |
Pretax Income | 795.01 | 771.7 | 695.97 | 712.37 | 668.83 | 489.54 |
Provision for Income Taxes | 126.39 | 123.15 | 113.43 | 114.4 | 89.68 | 46.46 |
Net Income | 661.95 | 641.88 | 575.87 | 591.3 | 572.48 | 435.92 |
Net Income Attributable to Preferred Dividends | 6.68 | 6.68 | 6.68 | 6.68 | 6.68 | 7.16 |
Net Income to Common | 661.95 | 641.88 | 575.87 | 591.3 | 572.48 | 435.92 |
Net Income Growth | 11.99% | 11.46% | -2.61% | 3.29% | 31.32% | 34.70% |
Shares Outstanding (Basic) | 64 | 64 | 64 | 64 | 64 | 64 |
Shares Outstanding (Diluted) | 64 | 64 | 64 | 64 | 65 | 64 |
Shares Change (YoY) | -0.70% | -0.25% | -0.22% | -0.18% | 0.65% | 1.74% |
EPS (Basic) | 10.27 | 9.92 | 8.88 | 9.11 | 8.84 | 6.79 |
EPS (Diluted) | 10.27 | 9.92 | 8.87 | 9.10 | 8.81 | 6.76 |
EPS Growth | 12.73% | 11.84% | -2.53% | 3.29% | 30.33% | 32.55% |
Shares Outstanding | 62.8 | 63.94 | 64.2 | 64.19 | 64.35 | 63.99 |
Free Cash Flow | 663.11 | 127.33 | 861.76 | 320.22 | 620.08 | 582.44 |
Free Cash Flow Growth | 420.79% | -85.22% | 169.12% | -48.36% | 6.46% | 35.82% |
Free Cash Flow Per Share | 10.39 | 1.99 | 13.41 | 4.97 | 9.61 | 9.09 |
Dividends Per Share | 4.000 | 3.950 | 3.740 | 3.580 | 3.240 | 2.940 |
Dividend Growth | 1.27% | 5.62% | 4.47% | 10.49% | 10.20% | 3.16% |
Profit Margin | 24.73% | 29.60% | 29.15% | 30.81% | 34.21% | 32.31% |
FCF Margin | 24.53% | 5.81% | 43.12% | 16.50% | 36.62% | 42.47% |
EBITDA | 88.11 | 87.79 | 82.82 | 76.44 | 71.34 | 69.29 |
EBITDA Margin | 3.26% | 4.01% | 4.14% | 3.94% | 4.21% | 5.05% |
Effective Tax Rate | 15.90% | 15.96% | 16.30% | 16.06% | 13.41% | 9.49% |