Cullen/Frost Bankers, Inc.
CFR · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $2,850 | $2,646 | $1,881 | $1,395 |
| % Growth | 7.7% | 40.7% | 34.8% | – |
| Cost of Goods Sold | $851 | $705 | $187 | $24 |
| Gross Profit | $1,999 | $1,941 | $1,693 | $1,372 |
| % Margin | 70.1% | 73.4% | 90% | 98.3% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $781 | $740 | $596 | $490 |
| SG&A Expenses | $833 | $788 | $636 | $524 |
| Sales & Mktg Exp. | $51 | $49 | $40 | $35 |
| Other Operating Expenses | $470 | $440 | $388 | $358 |
| Operating Expenses | $1,303 | $1,229 | $1,024 | $882 |
| Operating Income | $696 | $712 | $669 | $490 |
| % Margin | 24.4% | 26.9% | 35.6% | 35.1% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $696 | $712 | $669 | $490 |
| Tax Expense | $113 | $114 | $90 | $46 |
| Net Income | $583 | $598 | $579 | $443 |
| % Margin | 20.4% | 22.6% | 30.8% | 31.8% |
| EPS | 8.88 | 9.11 | 8.84 | 6.79 |
| % Growth | -2.5% | 3.1% | 30.2% | – |
| EPS Diluted | 8.87 | 9.08 | 8.79 | 6.74 |
| Weighted Avg Shares Out | 64 | 64 | 64 | 64 |
| Weighted Avg Shares Out Dil | 64 | 64 | 65 | 64 |
| Supplemental Information | – | – | – | – |
| Interest Income | $2,391 | $2,218 | $1,476 | $1,009 |
| Interest Expense | $786 | $659 | $184 | $24 |
| Depreciation & Amortization | $83 | $76 | $71 | $69 |
| EBITDA | $779 | $789 | $740 | $559 |
| % Margin | 27.3% | 29.8% | 39.4% | 40% |