CFR
Cullen/Frost Ban (CFR)
NYSE
$149.98+$0.59 (+0.39%)
Price as of Jun 23, 2026 5:39 PM EDT
  • $9.4B
    Market Cap
  • 21.72%
    1-Year Change
  • Banks - Regional
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
121.6M
+14.44%
106.2M
+13.61%
93.5M
+1.76%
91.9M
+10.32%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
121.6M
+14.44%
106.2M
+13.61%
93.5M
+1.76%
91.9M
+10.32%
Sales and Marketing Expense
56.9M
+10.63%
51.4M
+5.75%
48.6M
+21.54%
40.0M
+15.79%
Research and Development Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Depreciation and Amortization Expense
87.8M
+6.00%
82.8M
+8.34%
76.4M
+7.15%
71.3M
+2.97%
Total Operating Expenses
1.4B
+8.95%
1.3B
+6.03%
1.2B
+19.95%
1.0B
+16.13%
Operating Profit
771.7M
+10.88%
696.0M
-2.30%
712.4M
+6.51%
668.8M
+36.62%
Interest Income
2.4B
+1.26%
2.4B
+7.80%
2.2B
+50.28%
1.5B
+46.29%
Interest Expense
-12.3M
-8.74%
-13.5M
-97.95%
-659.1M
+257.33%
-184.4M
+671.64%
Interest Income and Expense and Net
2.4B
+1.32%
2.4B
+52.51%
1.6B
+20.71%
1.3B
+31.11%
Total Nonoperating Income and Expense
1.7B
+8.20%
1.6B
+2.95%
1.6B
+20.71%
1.3B
+31.11%
Income before Taxes
771.7M
+10.88%
696.0M
-2.30%
712.4M
+6.51%
668.8M
+36.62%
Income Taxes
123.1M
+8.57%
113.4M
-0.85%
114.4M
+27.57%
89.7M
+93.02%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
648.6M
+11.33%
582.5M
-2.58%
598.0M
+3.25%
579.1M
+30.71%
Net Income from Continuing Operations Applicable to Common
641.9M
+11.46%
575.9M
-2.61%
591.3M
+3.29%
572.5M
+31.33%
Basic EPS and Net Income
9.92
+11.71%
8.88
-2.52%
9.11
+3.05%
8.84
+30.19%
Diluted EPS and Net Income
9.92
+11.84%
8.87
-2.53%
9.10
+3.29%
8.81
+30.33%
Basic Weighted Average Shares
64.1M
-0.10%
64.1M
-0.13%
64.2M
+0.07%
64.2M
+0.86%
Diluted Weighted Average Shares
64.1M
-0.25%
64.3M
-0.22%
64.4M
-0.18%
64.5M
+0.65%
Balance Sheet
Cash and Cash Equivalents
681.3M
-5.75%
722.9M
+17.06%
617.6M
-10.70%
691.6M
-95.83%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
681.3M
-5.75%
722.9M
+17.06%
617.6M
-10.70%
691.6M
-95.83%
Total Current Assets
1.8B
-7.21%
1.9B
-9.97%
2.2B
+100.38%
1.1B
+75.99%
Accumulated Depreciation
458.1M
+1.85%
449.8M
+14.16%
394.0M
+8.34%
363.7M
+6.26%
Property and Plant and Equipment and Net
1.3B
+5.45%
1.2B
+4.65%
1.2B
+7.92%
1.1B
+4.99%
Total Long-Term Assets
1.8B
-7.21%
1.9B
-9.97%
2.2B
+100.38%
1.1B
+75.99%
Total Assets
53.0B
+0.99%
52.5B
+3.29%
50.8B
-3.87%
52.9B
+3.96%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Current Liabilities
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Long-Term Debt
223.0M
+0.10%
222.8M
+0.10%
222.6M
+0.10%
222.4M
+0.10%
Total Long-Term Liabilities
355.0M
+6.26%
334.1M
-6.60%
357.7M
-9.61%
395.7M
-7.41%
Total Liabilities
48.5B
-0.32%
48.6B
+3.17%
47.1B
-5.28%
49.8B
+7.14%
Retained Earnings
4.3B
+9.05%
4.0B
+8.03%
3.7B
+10.52%
3.3B
+11.93%
Total Stockholders Equity
4.6B
+17.30%
3.9B
+4.90%
3.7B
+18.46%
3.1B
-29.33%
Total Shares Outstanding
64.4M
0.00%
64.4M
0.00%
64.4M
+0.08%
64.4M
+0.18%
Cash Flow
Cash from Operating Activities
274.0M
-72.31%
989.5M
+106.65%
478.8M
-33.73%
722.6M
+11.46%
Capital Expenditures
146.7M
+14.77%
127.8M
-19.45%
158.6M
+54.76%
102.5M
+55.66%
Cash from Investing Activities
-1.6B
+785.17%
-180.9M
-80.81%
-942.8M
-88.61%
-8.3B
+227.81%
Dividends Paid
255.4M
+5.32%
242.4M
+4.36%
232.3M
+10.75%
209.8M
+11.12%
Cash from Financing Activities
-33.1M
-104.48%
738.3M
+125.66%
-2.9B
-195.90%
3.0B
-63.29%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
634.77%
-3.11%
655.15%
-14.01%
761.86%
+4.67%
727.85%
+23.84%
Return on Assets
1.23%
+9.01%
1.13%
-2.23%
1.15%
+3.29%
1.12%
+17.48%
Return on Equity
15.31%
+0.08%
15.30%
-12.32%
17.45%
+14.14%
15.29%
+50.65%
Revenue Growth
14.44%
+6.11%
13.61%
+675.37%
1.76%
-83.00%
10.32%
+245.15%
Current Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Equity Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Assets Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

Earnings & Revenue History

Debt-to-Assets

Cash Flow