Cullen/Frost Bankers, Inc.
CFR · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $745,562 | $719,231 | $709,128 | $723,517 |
| % Growth | 3.7% | 1.4% | -2% | – |
| Cost of Goods Sold | $185,076 | $185,483 | $181,967 | $203,337 |
| Gross Profit | $560,486 | $533,748 | $527,161 | $520,180 |
| % Margin | 75.2% | 74.2% | 74.3% | 71.9% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $209,948 | $210,198 | $210,198 | $201,058 |
| SG&A Expenses | $209,948 | $210,198 | $210,198 | $252,461 |
| Sales & Mktg Exp. | $0 | $0 | $0 | $51,403 |
| Other Operating Expenses | $142,530 | $136,930 | $137,868 | $83,706 |
| Operating Expenses | $352,478 | $347,128 | $348,066 | $336,167 |
| Operating Income | $208,008 | $186,620 | $179,095 | $184,013 |
| % Margin | 27.9% | 25.9% | 25.3% | 25.4% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $208,008 | $186,620 | $179,095 | $184,013 |
| Tax Expense | $33,628 | $29,617 | $28,173 | $29,161 |
| Net Income | $174,380 | $157,003 | $150,922 | $154,852 |
| % 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 | 64,080 | 64,278 | 64,255 | 64,116 |
| Weighted Avg Shares Out Dil | 64,121 | 64,340 | 64,329 | 64,237 |
| Supplemental Information | – | – | – | – |
| Interest Income | $620,105 | $601,958 | $585,117 | $600,693 |
| Interest Expense | $178,487 | $172,354 | $168,897 | $187,175 |
| Depreciation & Amortization | $22,235 | $21,840 | $21,894 | $21,404 |
| EBITDA | $230,243 | $208,460 | $200,989 | $205,417 |
| % Margin | 30.9% | 29% | 28.3% | 28.4% |