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 6.9% 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 Growth | 11.2% |
| Revenue growth rate | 11.4% |
| Return on equity | 12.8% |
| Net Margin | 26.3% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Cullen/Frost Bankers: A Growing Texas Bank In A Growing State, Awaiting Cooler Valuation
Nov 21Cullen/Frost: Earnings Remain Subdued, But The Valuation Is Still Attractive
Aug 26Cullen/Frost Bankers' (NYSE:CFR) Dividend Will Be Increased To $0.95
Jul 28
Cullen/Frost Bankers: There Are Better Opportunities Out There At This Time
Feb 12Cullen/Frost Bankers' (NYSE:CFR) Shareholders Will Receive A Bigger Dividend Than Last Year
Nov 23Cullen/Frost Looks Undervalued As Funding Cost Pressure Subsides
Nov 18Cullen/Frost Bankers' (NYSE:CFR) Shareholders Will Receive A Bigger Dividend Than Last Year
Oct 29Cullen/Frost Bank: Phenomenal Buying Opportunity For This Quality Texas Bank
Sep 11Cullen/Frost Bankers (NYSE:CFR) Is Increasing Its Dividend To $0.92
Aug 29Cullen/Frost Bankers' (NYSE:CFR) Upcoming Dividend Will Be Larger Than Last Year's
Jul 31Here's Why We Think Cullen/Frost Bankers (NYSE:CFR) Might Deserve Your Attention Today
Jul 18Holding On To Cullen/Frost Bankers, A Strong But Overvalued Texas Bank
Jul 03Do Cullen/Frost Bankers' (NYSE:CFR) Earnings Warrant Your Attention?
Apr 10Cullen/Frost Looks Unexpectedly Interesting
Feb 09Cullen/Frost Bankers Q4 2022 Earnings Preview
Jan 25With EPS Growth And More, Cullen/Frost Bankers (NYSE:CFR) Makes An Interesting Case
Dec 02Cullen/Frost Bankers GAAP EPS of $2.59 beats by $0.37, revenue of $479.34M beats by $40.17M
Oct 27Cullen/Frost Bankers: A Well-Run But Far From Cheap Bank
Sep 06Cullen/Frost Bankers goes ex-dividend tomorrow
Aug 29Cullen/Frost Bankers' (NYSE:CFR) Upcoming Dividend Will Be Larger Than Last Year's
Jul 31Cullen/Frost Bankers Q2 2022 Earnings Preview
Jul 27Cullen/Frost Bankers: Expense Growth To Counter Strong Top-Line Growth
Jun 17Cullen/Frost: Stretched Valuation, Can't See Fundamental Value
Mar 24Revenue & Expenses Breakdown
How Cullen/Frost Bankers makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 1,964 | 517 | 1,044 | 0 |
| 30 Jun 24 | 1,946 | 527 | 1,019 | 0 |
| 31 Mar 24 | 1,933 | 543 | 995 | 0 |
| 31 Dec 23 | 1,941 | 585 | 971 | 0 |
| 30 Sep 23 | 1,956 | 673 | 941 | 0 |
| 30 Jun 23 | 1,931 | 687 | 918 | 0 |
| 31 Mar 23 | 1,839 | 645 | 889 | 0 |
| 31 Dec 22 | 1,693 | 567 | 854 | 0 |
| 30 Sep 22 | 1,542 | 478 | 811 | 0 |
| 30 Jun 22 | 1,426 | 417 | 780 | 0 |
| 31 Mar 22 | 1,388 | 416 | 754 | 0 |
| 31 Dec 21 | 1,372 | 432 | 732 | 0 |
| 30 Sep 21 | 1,342 | 421 | 721 | 0 |
| 30 Jun 21 | 1,309 | 409 | 706 | 0 |
| 31 Mar 21 | 1,252 | 386 | 696 | 0 |
| 31 Dec 20 | 1,200 | 320 | 706 | 0 |
| 30 Sep 20 | 1,218 | 334 | 704 | 0 |
| 30 Jun 20 | 1,246 | 349 | 705 | 0 |
| 31 Mar 20 | 1,289 | 365 | 698 | 0 |
| 31 Dec 19 | 1,334 | 432 | 681 | 0 |
| 30 Sep 19 | 1,335 | 447 | 655 | 0 |
| 30 Jun 19 | 1,328 | 453 | 640 | 0 |
| 31 Mar 19 | 1,304 | 453 | 629 | 0 |
| 31 Dec 18 | 1,287 | 444 | 620 | 0 |
| 30 Sep 18 | 1,253 | 425 | 608 | 0 |
| 30 Jun 18 | 1,216 | 401 | 602 | 0 |
| 31 Mar 18 | 1,194 | 375 | 596 | 0 |
| 31 Dec 17 | 1,167 | 354 | 591 | 0 |
| 30 Sep 17 | 1,147 | 338 | 580 | 0 |
| 30 Jun 17 | 1,129 | 325 | 573 | 0 |
| 31 Mar 17 | 1,101 | 311 | 569 | 0 |
| 31 Dec 16 | 1,074 | 295 | 562 | 0 |
| 30 Sep 16 | 1,024 | 270 | 557 | 0 |
| 30 Jun 16 | 1,016 | 265 | 553 | 0 |
| 31 Mar 16 | 1,015 | 267 | 547 | 0 |
| 31 Dec 15 | 1,014 | 270 | 539 | 0 |
| 30 Sep 15 | 1,035 | 285 | 533 | 0 |
| 30 Jun 15 | 1,030 | 286 | 523 | 0 |
| 31 Mar 15 | 1,015 | 280 | 511 | 0 |
| 31 Dec 14 | 991 | 269 | 499 | 0 |
| 30 Sep 14 | 964 | 259 | 489 | 0 |
| 30 Jun 14 | 930 | 242 | 482 | 0 |
| 31 Mar 14 | 908 | 234 | 476 | 0 |
| 31 Dec 13 | 903 | 230 | 471 | 0 |
Quality Earnings: CFR has high quality earnings.
Growing Profit Margin: CFR'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: CFR's earnings have grown by 11.1% 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 (-23.1%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).
Return on Equity
High ROE: CFR's Return on Equity (12.8%) is considered low.