Cullen/Frost Bankers, Inc. (CFR) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 0 | 448.71M | 441.62M | 429.6M | 416.22M | 413.52M | 404.33M | 396.71M | 390.05M | 388.15M | 385.43M | 385.27M | 399.82M | 398.46M | 355.55M | 288.21M | 249.07M | 240.71M | 246.12M | 257.16M |
| NII Growth % | -100% | 8.51% | 9.22% | 8.29% | 6.71% | 6.54% | 4.91% | 2.97% | -2.44% | -2.59% | 8.4% | 33.68% | 60.52% | 65.54% | 44.46% | 12.08% | 3.4% | -0.63% | 1.11% | 4.62% |
| Net Interest Margin % | 0% | 0.85% | 0.84% | 0.84% | 0.8% | 0.79% | 0.79% | 0.81% | 0.79% | 0.76% | 0.79% | 0.79% | 0.78% | 0.75% | 0.67% | 0.56% | 0.49% | 0.47% | 0.51% | 0.55% |
| Interest Income | 0 | 613.57M | 620.11M | 601.96M | 585.12M | 600.69M | 608.16M | 596.28M | 585.5M | 579.08M | 561.11M | 542.33M | 535.2M | 504.53M | 408.33M | 306.6M | 256.26M | 246.89M | 252.24M | 263.03M |
| Interest Expense | 139.44M | 164.86M | 178.49M | 172.35M | 168.9M | 187.18M | 203.83M | 199.57M | 195.45M | 190.93M | 175.69M | 157.06M | 135.38M | 106.07M | 52.78M | 18.39M | 7.19M | 6.18M | 6.11M | 5.88M |
| Loan Loss Provision | -139.44M | 11.41M | 6.59M | 13.13M | 13.07M | 16.16M | 19.39M | 15.79M | 13.65M | 15.98M | 11.14M | 9.9M | 9.1M | 3M | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Interest Income | 577.97M | 132.35M | 125.46M | 117.27M | 124.01M | 122.82M | 113.71M | 111.19M | 111.38M | 113.75M | 105.95M | 103.53M | 105.27M | 105.68M | 99.82M | 97.93M | 101.39M | 109.06M | 93.19M | 91.25M |
| Non-Interest Income % | 100% | 17.74% | 16.83% | 16.31% | 17.49% | 16.98% | 15.75% | 15.72% | 15.98% | 16.42% | 15.88% | 16.03% | 16.44% | 17.32% | 19.64% | 24.21% | 28.35% | 30.64% | 26.98% | 25.76% |
| Total Revenue | 577.97M | 745.92M | 745.56M | 719.23M | 709.13M | 723.52M | 721.87M | 707.48M | 696.88M | 692.83M | 667.07M | 645.86M | 640.46M | 610.21M | 508.15M | 404.53M | 357.65M | 355.94M | 345.42M | 354.28M |
| Revenue Growth % | -18.5% | 3.1% | 3.28% | 1.66% | 1.76% | 4.43% | 8.21% | 9.54% | 8.81% | 13.54% | 31.27% | 59.66% | 79.07% | 71.43% | 47.11% | 14.18% | 5.24% | 4.62% | 3.18% | 6.52% |
| Non-Interest Expense | 0 | 371.67M | 352.48M | 347.13M | 348.07M | 336.17M | 323.41M | 316.96M | 326.22M | 365.22M | 293.26M | 285.04M | 285.14M | 281.3M | 257.9M | 246.35M | 238.73M | 238.59M | 218M | 215.25M |
| Efficiency Ratio | 0% | 49.83% | 47.28% | 48.26% | 49.08% | 46.46% | 44.8% | 44.8% | 46.81% | 52.71% | 43.96% | 44.13% | 44.52% | 46.1% | 50.75% | 60.9% | 66.75% | 67.03% | 63.11% | 60.76% |
| Operating Income | 202.41M | 197.98M | 208.01M | 186.62M | 179.09M | 184.01M | 175.24M | 175.15M | 161.56M | 120.7M | 186.98M | 193.85M | 210.84M | 219.84M | 197.47M | 139.79M | 111.73M | 111.17M | 121.31M | 133.15M |
| Operating Margin % | 35.02% | 26.54% | 27.9% | 25.95% | 25.26% | 25.43% | 24.28% | 24.76% | 23.18% | 17.42% | 28.03% | 30.01% | 32.92% | 36.03% | 38.86% | 34.56% | 31.24% | 31.23% | 35.12% | 37.58% |
| Operating Income Growth % | 13.02% | 7.59% | 18.7% | 6.55% | 10.85% | 52.45% | -6.28% | -9.65% | -23.37% | -45.1% | -5.31% | 38.67% | 88.71% | 97.75% | 62.78% | 4.99% | -9.83% | 14.71% | 16% | 45.11% |
| Pretax Income | 202.41M | 197.98M | 208.01M | 186.62M | 179.09M | 184.01M | 175.24M | 175.15M | 161.56M | 120.7M | 186.98M | 193.85M | 210.84M | 219.84M | 197.47M | 139.79M | 111.73M | 111.17M | 121.31M | 133.15M |
| Pretax Margin % | 35.02% | 26.54% | 27.9% | 25.95% | 25.26% | 25.43% | 24.28% | 24.76% | 23.18% | 17.42% | 28.03% | 30.01% | 32.92% | 36.03% | 38.86% | 34.56% | 31.24% | 31.23% | 35.12% | 37.58% |
| Income Tax | 31.42M | 31.73M | 33.63M | 29.62M | 28.17M | 29.16M | 28.74M | 29.65M | 25.87M | 18.15M | 31.33M | 31.73M | 33.19M | 28.67M | 27.71M | 20.67M | 12.63M | 10.15M | 13.33M | 15.08M |
| Effective Tax Rate % | 15.52% | 16.03% | 16.17% | 15.87% | 15.73% | 15.85% | 16.4% | 16.93% | 16.01% | 15.04% | 16.76% | 16.37% | 15.74% | 13.04% | 14.03% | 14.79% | 11.3% | 9.13% | 10.99% | 11.33% |
| Net Income | 170.99M | 166.25M | 174.38M | 157M | 150.92M | 154.85M | 146.5M | 145.5M | 135.69M | 102.55M | 155.65M | 162.12M | 177.65M | 191.17M | 169.76M | 119.11M | 99.1M | 101.02M | 107.97M | 118.07M |
| Net Margin % | 29.58% | 22.29% | 23.39% | 21.83% | 21.28% | 21.4% | 20.29% | 20.57% | 19.47% | 14.8% | 23.33% | 25.1% | 27.74% | 31.33% | 33.41% | 29.45% | 27.71% | 28.38% | 31.26% | 33.33% |
| Net Income Growth % | 13.29% | 7.36% | 19.03% | 7.91% | 11.23% | 51% | -5.88% | -10.25% | -23.62% | -46.36% | -8.31% | 36.1% | 79.26% | 89.24% | 57.22% | 0.89% | -14.58% | 14.45% | 13.59% | 26.86% |
| Net Income (Continuing) | 170.99M | 166.25M | 174.38M | 157M | 150.92M | 154.85M | 146.5M | 145.5M | 135.69M | 102.55M | 155.65M | 162.12M | 177.65M | 191.17M | 169.76M | 119.11M | 99.1M | 101.02M | 107.97M | 118.07M |
| EPS (Diluted) | 2.69 | 2.56 | 2.67 | 2.39 | 2.30 | 2.36 | 2.24 | 2.21 | 2.06 | 1.55 | 2.37 | 2.46 | 2.69 | 2.90 | 2.59 | 1.81 | 1.50 | 1.54 | 1.65 | 1.80 |
| EPS Growth % | 16.96% | 8.47% | 19.2% | 8.14% | 11.65% | 52.26% | -5.49% | -10.16% | -23.42% | -46.55% | -8.49% | 35.91% | 79.33% | 88.31% | 56.97% | 0.56% | -15.25% | 11.59% | 10% | 22.45% |
| EPS (Basic) | 2.69 | 2.59 | 2.67 | 2.39 | 2.30 | 2.37 | 2.24 | 2.21 | 2.06 | 1.55 | 2.38 | 2.47 | 2.71 | 2.92 | 2.60 | 1.82 | 1.51 | 1.54 | 1.66 | 1.81 |
| Diluted Shares Outstanding | 63.6M | 63.6M | 64.12M | 64.34M | 64.33M | 64.24M | 64.08M | 64.33M | 64.37M | 64.31M | 64.24M | 64.43M | 64.63M | 64.65M | 64.5M | 64.47M | 64.46M | 64.34M | 64.1M | 64.1M |