For the quarter ended March 2026, Cullen/Frost Bankers (CFR) reported revenue of $597.11 million, up 6.6% over the same period last year. EPS came in at $2.65, compared to $2.30 in the year-ago quarter.
The reported revenue represents a surprise of +0.88% over the Zacks Consensus Estimate of $591.93 million. With the consensus EPS estimate being $2.46, the EPS surprise was +7.78%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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% versus 0.2% estimated by five analysts on average. Total earning assets and average rate earned - Average balance: $48.63 billion versus the five-analyst average estimate of $50.15 billion. Net Interest Margin (FTE): 3.7% compared to the 3.7% average estimate based on five analysts. Book value per common share at end of quarter: $69.83 versus the four-analyst average estimate of $78.91. Non-accrual loans: $72.35 million versus the two-analyst average estimate of $71.3 million. Total Non-Interest Income: $136.32 million versus the five-analyst average estimate of $131.15 million. Net Interest Income (FTE): $460.79 million versus $460.77 million estimated by five analysts on average. Trust and investment management fees: $47.96 million versus the four-analyst average estimate of $45.06 million. Other charges, commissions and fees: $13.27 million compared to the $15.25 million average estimate based on four analysts. Service charges on deposit accounts: $32.16 million versus $32.07 million estimated by four analysts on average. Insurance commissions and fees: $22.08 million versus $17.82 million estimated by three analysts on average. Net Interest Income: $438.52 million compared to the $438.71 million average estimate based on three analysts.View all Key Company Metrics for Cullen/Frost here>>>
Shares of Cullen/Frost have returned +3% over the past month versus the Zacks S&P 500 composite's +12.2% 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.Radical New Technology Could Hand Investors Huge Gains
Quantum Computing is the next technological revolution, and it could be even more advanced than AI.
While some believed the technology was years away, it is already present and moving fast. Large hyperscalers, such as Microsoft, Google, Amazon, Oracle, and even Meta and Tesla, are scrambling to integrate quantum computing into their infrastructure.
Senior Stock Strategist Kevin Cook reveals 7 carefully selected stocks poised to dominate the quantum computing landscape in his report, Beyond AI: The Quantum Leap in Computing Power .
Kevin was among the early experts who recognized NVIDIA's enormous potential back in 2016. Now, he has keyed in on what could be "the next big thing" in quantum computing supremacy. Today, you have a rare chance to position your portfolio at the forefront of this opportunity.
See Top Quantum Stocks Now >>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).