Cullen/Frost Bankers, Inc.

NYSE:CFR Stock Report

Market Cap: US$8.3b

Cullen/Frost Bankers Past Earnings Performance

Past criteria checks 2/6

Cullen/Frost Bankers has been growing earnings at an average annual rate of 10.8%, while the Banks industry saw earnings growing at 7.6% annually. Revenues have been growing at an average rate of 10.8% per year. Cullen/Frost Bankers's return on equity is 14.7%, and it has net margins of 27.1%.

Key information

10.8%

Earnings growth rate

10.3%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate10.8%
Return on equity14.7%
Net Margin27.1%
Next Earnings Update31 Oct 2024

Recent past performance updates

Recent updates

Cullen/Frost: Earnings Remain Subdued, But The Valuation Is Still Attractive

Aug 26

Cullen/Frost Bankers' (NYSE:CFR) Dividend Will Be Increased To $0.95

Jul 28
Cullen/Frost Bankers' (NYSE:CFR) Dividend Will Be Increased To $0.95

Cullen/Frost Bankers: There Are Better Opportunities Out There At This Time

Feb 12

Cullen/Frost Bankers' (NYSE:CFR) Shareholders Will Receive A Bigger Dividend Than Last Year

Nov 23
Cullen/Frost Bankers' (NYSE:CFR) Shareholders Will Receive A Bigger Dividend Than Last Year

Cullen/Frost Looks Undervalued As Funding Cost Pressure Subsides

Nov 18

Cullen/Frost Bankers' (NYSE:CFR) Shareholders Will Receive A Bigger Dividend Than Last Year

Oct 29
Cullen/Frost Bankers' (NYSE:CFR) Shareholders Will Receive A Bigger Dividend Than Last Year

Cullen/Frost Bank: Phenomenal Buying Opportunity For This Quality Texas Bank

Sep 11

Cullen/Frost Bankers (NYSE:CFR) Is Increasing Its Dividend To $0.92

Aug 29
Cullen/Frost Bankers (NYSE:CFR) Is Increasing Its Dividend To $0.92

Cullen/Frost Bankers' (NYSE:CFR) Upcoming Dividend Will Be Larger Than Last Year's

Jul 31
Cullen/Frost Bankers' (NYSE:CFR) Upcoming Dividend Will Be Larger Than Last Year's

Here's Why We Think Cullen/Frost Bankers (NYSE:CFR) Might Deserve Your Attention Today

Jul 18
Here's Why We Think Cullen/Frost Bankers (NYSE:CFR) Might Deserve Your Attention Today

Holding On To Cullen/Frost Bankers, A Strong But Overvalued Texas Bank

Jul 03

Do Cullen/Frost Bankers' (NYSE:CFR) Earnings Warrant Your Attention?

Apr 10
Do Cullen/Frost Bankers' (NYSE:CFR) Earnings Warrant Your Attention?

Cullen/Frost Looks Unexpectedly Interesting

Feb 09

Cullen/Frost Bankers Q4 2022 Earnings Preview

Jan 25

With EPS Growth And More, Cullen/Frost Bankers (NYSE:CFR) Makes An Interesting Case

Dec 02
With EPS Growth And More, Cullen/Frost Bankers (NYSE:CFR) Makes An Interesting Case

Cullen/Frost Bankers GAAP EPS of $2.59 beats by $0.37, revenue of $479.34M beats by $40.17M

Oct 27

Cullen/Frost Bankers: A Well-Run But Far From Cheap Bank

Sep 06

Cullen/Frost Bankers goes ex-dividend tomorrow

Aug 29

Cullen/Frost Bankers' (NYSE:CFR) Upcoming Dividend Will Be Larger Than Last Year's

Jul 31
Cullen/Frost Bankers' (NYSE:CFR) Upcoming Dividend Will Be Larger Than Last Year's

Cullen/Frost Bankers Q2 2022 Earnings Preview

Jul 27

Cullen/Frost Bankers: Expense Growth To Counter Strong Top-Line Growth

Jun 17

Cullen/Frost: Stretched Valuation, Can't See Fundamental Value

Mar 24

Revenue & Expenses Breakdown

How Cullen/Frost Bankers makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NYSE:CFR Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 241,9465271,0190
31 Mar 241,9335439950
31 Dec 231,9415859710
30 Sep 231,9566739410
30 Jun 231,9316879180
31 Mar 231,8396458890
31 Dec 221,6935678540
30 Sep 221,5424788110
30 Jun 221,4264177800
31 Mar 221,3884167540
31 Dec 211,3724327320
30 Sep 211,3424217210
30 Jun 211,3094097060
31 Mar 211,2523866960
31 Dec 201,2003207060
30 Sep 201,2183347040
30 Jun 201,2463497050
31 Mar 201,2893656980
31 Dec 191,3344326810
30 Sep 191,3354476550
30 Jun 191,3284536400
31 Mar 191,3044536290
31 Dec 181,2874446200
30 Sep 181,2534256080
30 Jun 181,2164016020
31 Mar 181,1943755960
31 Dec 171,1673545910
30 Sep 171,1473385800
30 Jun 171,1293255730
31 Mar 171,1013115690
31 Dec 161,0742955620
30 Sep 161,0242705570
30 Jun 161,0162655530
31 Mar 161,0152675470
31 Dec 151,0142705390
30 Sep 151,0352855330
30 Jun 151,0302865230
31 Mar 151,0152805110
31 Dec 149912694990
30 Sep 149642594890
30 Jun 149302424820
31 Mar 149082344760
31 Dec 139032304710

Quality Earnings: CFR has high quality earnings.

Growing Profit Margin: CFR's current net profit margins (27.1%) are lower than last year (35.6%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: CFR's earnings have grown by 10.8% per year over the past 5 years.

Accelerating Growth: CFR's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CFR had negative earnings growth (-23.4%) over the past year, making it difficult to compare to the Banks industry average (-13.8%).


Return on Equity

High ROE: CFR's Return on Equity (14.7%) is considered low.


Return on Assets


Return on Capital Employed


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