Cullen/Frost Bankers, Inc. (CFR) Quarterly Income Statement

120+ quarters historyFree accessUpdated daily

Cullen/Frost Bankers, Inc. (CFR) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CFR Income Statement

Cullen/Frost Bankers, Inc. (CFR) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q2'26	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

Net Interest Income	438.52M	438.52M	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
NII Growth %	2.08%	5.36%	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%
Net Interest Margin %	0.81%	0.83%	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%
Interest Income	577.97M	577.97M	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
Interest Expense	139.44M	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
Loan Loss Provision	-132.7M	-132.7M	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
Non-Interest Income	-994K	-3.13M	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
Non-Interest Income %	-0.23%	-0.72%	22.78%	22.12%	21.44%	22.96%	22.9%	21.95%	21.89%	22.21%	22.66%	21.56%	21.18%	20.84%	20.96%	21.92%	25.36%	28.93%	31.18%	27.46%
Total Net Revenue	437.53M	435.39M	581.06M	567.08M	546.88M	540.23M	536.34M	518.04M	507.9M	501.43M	501.9M	491.38M	488.79M	505.08M	504.14M	455.37M	386.13M	350.46M	349.76M	339.31M
Revenue Growth %	-20%	-19.41%	8.34%	9.47%	7.67%	7.74%	6.86%	5.42%	3.91%	-0.72%	-0.44%	7.91%	26.59%	44.12%	44.14%	34.2%	10.83%	4.89%	4.85%	3.76%
Non-Interest Expense	365.69M	365.69M	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
Efficiency Ratio	83.58%	83.99%	63.96%	62.16%	63.47%	64.43%	62.68%	62.43%	62.41%	65.06%	72.77%	59.68%	58.32%	56.45%	55.8%	56.64%	63.8%	68.12%	68.22%	64.25%
Operating Income	204.54M	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
Operating Margin %	46.75%	46.49%	34.07%	36.68%	34.12%	33.15%	34.31%	33.83%	34.49%	32.22%	24.05%	38.05%	39.66%	41.74%	43.61%	43.36%	36.2%	31.88%	31.78%	35.75%
Operating Income Growth %	9.6%	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%
Pretax Income	204.54M	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
Pretax Margin %	46.75%	46.49%	34.07%	36.68%	34.12%	33.15%	34.31%	33.83%	34.49%	32.22%	24.05%	38.05%	39.66%	41.74%	43.61%	43.36%	36.2%	31.88%	31.78%	35.75%
Income Tax	32.48M	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
Effective Tax Rate %	15.88%	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%
Net Income	172.06M	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
Net Margin %	39.33%	39.27%	28.61%	30.75%	28.71%	27.94%	28.87%	28.28%	28.65%	27.06%	20.43%	31.68%	33.17%	35.17%	37.92%	37.28%	30.85%	28.28%	28.88%	31.82%
Net Income Growth %	9.59%	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%
Net Income (Continuing)	172.06M	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
EPS (Diluted)	2.70	2.65	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
EPS Growth %	12.97%	15.22%	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%
EPS (Basic)	2.70	2.65	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
Diluted Shares Outstanding	62.78M	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