Cullen/Frost Bankers, Inc. (CFR)
TXSE: CFR · Real-Time Price · USD
158.17
+0.36 (0.23%)
At close: Nov 13, 2026, 4:00 PM EST
158.31
+0.14 (0.09%)
After-hours: Nov 13, 2026, 8:00 PM EST
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 | Sep '26 Sep 30, 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 |
Interest Income on Loans | 1,399 | 1,384 | 1,379 | 1,194 | 770.98 | 674.63 |
Interest Income on Investments | 1,019 | 1,036 | 1,012 | 1,024 | 704.74 | 334.14 |
Total Interest Income | 2,418 | 2,421 | 2,391 | 2,218 | 1,476 | 1,009 |
Interest Paid on Deposits | 478.07 | 533.27 | 629.11 | 508.26 | 140.48 | 14.52 |
Interest Paid on Borrowings | 137.18 | 151.33 | 156.92 | 150.8 | 43.96 | 9.38 |
Total Interest Expense | 615.25 | 684.6 | 786.03 | 659.05 | 184.44 | 23.9 |
Net Interest Income | 1,803 | 1,736 | 1,605 | 1,559 | 1,291 | 984.87 |
Net Interest Income Growth | 5.99% | 8.20% | 2.95% | 20.71% | 31.11% | 0.91% |
Trust Income | 190.72 | 177.1 | 165.27 | 153.32 | 154.68 | 148.99 |
Gain (Loss) on Sale of Investments | -8.35 | -0.85 | -0.1 | 0.07 | - | 0.07 |
Other Non-Interest Income | 215.35 | 201.28 | 187.69 | 181.66 | 158.25 | 154.37 |
Total Non-Interest Income | 532.72 | 499.1 | 459.1 | 428.54 | 404.82 | 386.73 |
Non-Interest Income Growth | 8.77% | 8.71% | 7.13% | 5.86% | 4.68% | -16.91% |
Revenues Before Loan Losses | 2,336 | 2,235 | 2,064 | 1,987 | 1,696 | 1,372 |
Provision for Loan Losses | 39.83 | 44.2 | 64.99 | 46.17 | 3 | 0.06 |
| 2,296 | 2,191 | 1,999 | 1,941 | 1,693 | 1,372 | |
Revenue Growth | 7.20% | 9.62% | 2.97% | 14.64% | 23.45% | 14.27% |
Salaries and Employee Benefits | 788.05 | 757.89 | 693.68 | 606.13 | 534.38 | 440.97 |
Occupancy Expenses | 139.79 | 136.57 | 128.4 | 124.06 | 112.17 | 107.02 |
Federal Deposit Insurance | 19.1 | 18.75 | 37.27 | 76.59 | 15.6 | 12.23 |
Selling, General & Administrative | 295.08 | 285.84 | 250.4 | 241.12 | 207.41 | 184.15 |
Other Non-Interest Expense | 234.24 | 220.29 | 193.01 | 180.76 | 154.71 | 137.62 |
Total Non-Interest Expense | 1,476 | 1,419 | 1,303 | 1,229 | 1,024 | 881.99 |
EBT Excluding Unusual Items | 819.47 | 771.7 | 695.97 | 712.37 | 668.83 | 489.54 |
Pretax Income | 819.47 | 771.7 | 695.97 | 712.37 | 668.83 | 489.54 |
Income Tax Expense | 129.96 | 123.15 | 113.43 | 114.4 | 89.68 | 46.46 |
Net Income | 689.51 | 648.56 | 582.54 | 597.97 | 579.15 | 443.08 |
Preferred Dividends & Other Adjustments | 14.9 | 13.08 | 12.91 | 12.96 | 11.89 | 11.04 |
Net Income to Common | 674.61 | 635.47 | 569.63 | 585.02 | 567.27 | 432.04 |
Net Income Growth | 8.04% | 11.56% | -2.63% | 3.13% | 31.30% | 34.81% |
Basic Shares Outstanding | 63 | 64 | 64 | 64 | 64 | 64 |
Diluted Shares Outstanding | 63 | 64 | 64 | 64 | 65 | 64 |
Shares Change | -2.26% | -0.25% | -0.22% | -0.18% | 0.65% | 1.74% |
EPS (Basic) | 10.74 | 9.92 | 8.88 | 9.11 | 8.84 | 6.79 |
EPS (Diluted) | 10.74 | 9.92 | 8.87 | 9.10 | 8.81 | 6.76 |
EPS Growth | 10.50% | 11.84% | -2.53% | 3.29% | 30.33% | 32.31% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Dividend Per Share | 4.060 | 3.950 | 3.740 | 3.580 | 3.240 | 2.940 |
Dividend Growth | 4.10% | 5.62% | 4.47% | 10.49% | 10.20% | 3.16% |
Effective Tax Rate | 15.86% | 15.96% | 16.30% | 16.06% | 13.41% | 9.49% |