Cullen/Frost Bankers, Inc.
CFR · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $746 | $719 | $709 | $724 |
| % Growth | 3.7% | 1.4% | -2% | – |
| Cost of Goods Sold | $185 | $185 | $182 | $203 |
| Gross Profit | $560 | $534 | $527 | $520 |
| % Margin | 75.2% | 74.2% | 74.3% | 71.9% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $210 | $210 | $210 | $201 |
| SG&A Expenses | $210 | $210 | $210 | $252 |
| Sales & Mktg Exp. | $0 | $0 | $0 | $51 |
| Other Operating Expenses | $143 | $137 | $138 | $84 |
| Operating Expenses | $352 | $347 | $348 | $336 |
| Operating Income | $208 | $187 | $179 | $184 |
| % Margin | 27.9% | 25.9% | 25.3% | 25.4% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $208 | $187 | $179 | $184 |
| Tax Expense | $34 | $30 | $28 | $29 |
| Net Income | $174 | $157 | $151 | $155 |
| % Margin | 23.4% | 21.8% | 21.3% | 21.4% |
| EPS | 2.7 | 2.39 | 2.3 | 2.37 |
| % Growth | 13% | 3.9% | -3% | – |
| EPS Diluted | 2.67 | 2.39 | 2.3 | 2.36 |
| Weighted Avg Shares Out | 64 | 64 | 64 | 64 |
| Weighted Avg Shares Out Dil | 64 | 64 | 64 | 64 |
| Supplemental Information | – | – | – | – |
| Interest Income | $620 | $602 | $585 | $601 |
| Interest Expense | $178 | $172 | $169 | $187 |
| Depreciation & Amortization | $22 | $22 | $22 | $21 |
| EBITDA | $230 | $208 | $201 | $205 |
| % Margin | 30.9% | 29% | 28.3% | 28.4% |