Cullen/Frost (CFR) Reports Q4 Earnings: What Key Metrics Have to Say

Zacks Zacks
Cullen/Frost (CFR) Reports Q4 Earnings: What Key Metrics Have to Say

For the quarter ended December 2025, Cullen/Frost Bankers (CFR) reported revenue of $603.38 million, up 8.4% over the same period last year. EPS came in at $2.57, compared to $2.36 in the year-ago quarter.

The reported revenue represents a surprise of +3% over the Zacks Consensus Estimate of $585.8 million. With the consensus EPS estimate being $2.47, the EPS surprise was +3.91%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Cullen/Frost performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net charge-offs annualized as a percentage of average loans: 0.1% compared to the 0.2% average estimate based on three analysts. Total earning assets and average rate earned - Average balance: $50.03 billion versus the three-analyst average estimate of $49.42 billion. Net Interest Margin (FTE): 3.7% compared to the 3.7% average estimate based on three analysts. Non-accrual loans: $70.48 million versus $56.86 million estimated by two analysts on average. Book value per common share at end of quarter: $69.96 versus the two-analyst average estimate of $69.50. Total Non-Interest Income: $132.16 million versus the three-analyst average estimate of $123.85 million. Net Interest Income (FTE): $471.22 million versus the three-analyst average estimate of $461.96 million. Service charges on deposit accounts: $32.36 million compared to the $29.74 million average estimate based on two analysts. Net Interest Income: $448.71 million versus $435.51 million estimated by two analysts on average. Insurance commissions and fees: $15.18 million versus the two-analyst average estimate of $14.91 million. Trust and investment management fees: $45.65 million versus the two-analyst average estimate of $45.05 million. Other charges, commissions and fees: $15.23 million compared to the $14.64 million average estimate based on two analysts.

View all Key Company Metrics for Cullen/Frost here>>>

Shares of Cullen/Frost have returned +6.8% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

Beyond Nvidia: AI's Second Wave Is Here

The AI revolution has already minted millionaires. But the stocks everyone knows about aren't likely to keep delivering the biggest profits. Little-known AI firms tackling the world's biggest problems may be more lucrative in the coming months and years.

See

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report


 
Cullen/Frost Bankers, Inc. (CFR): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

Zacks Investment Research

Other news