Cullen/Frost Bankers, Inc.

DB:CFZ Stock Report

Market Cap: €8.4b

Cullen/Frost Bankers Past Earnings Performance

Past criteria checks 2/6

Cullen/Frost Bankers has been growing earnings at an average annual rate of 11.1%, while the Banks industry saw earnings growing at 18.1% annually. Revenues have been growing at an average rate of 11.4% per year. Cullen/Frost Bankers's return on equity is 12.8%, and it has net margins of 26.3%.

Key information

11.1%

Earnings growth rate

10.5%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate11.4%
Return on equity12.8%
Net Margin26.3%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

DB:CFZ Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,9645171,0440
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

Quality Earnings: CFZ has high quality earnings.

Growing Profit Margin: CFZ's current net profit margins (26.3%) are lower than last year (34.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CFZ's earnings have grown by 11.1% per year over the past 5 years.

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

Earnings vs Industry: CFZ had negative earnings growth (-23.1%) over the past year, making it difficult to compare to the Banks industry average (12.6%).

Return on Equity

High ROE: CFZ's Return on Equity (12.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 03:33
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Cullen/Frost Bankers, Inc. is covered by 39 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Matthew KeatingBarclays
Lana ChanBMO Capital Markets Equity Research
Leanne CaravaggioBMO Capital Markets Equity Research