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Cullen/Frost Bankers (CFR)
NYSE:CFR
Earnings Data
Report Date
Oct 23, 2025Before Open (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
2.38Last Year’s EPS
2.24Same Quarter Last Year
Based on 12 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance with significant growth in earnings, loans, and deposits. The expansion strategy is yielding positive results, and the company has successfully improved its net interest margin. However, there are challenges with increased competition in lending and a rise in problem loans. Despite these challenges, the positive highlights significantly outweigh the lowlights, indicating a strong market position and positive future outlook.Company Guidance
Solid Earnings Growth
Cullen/Frost earned $155.3 million or $2.39 a share, up from $143.8 million or $2.21 a share year-over-year.
Strong Loan and Deposit Growth
Average loans grew 7.2% year-over-year to $21.1 billion, and average deposits increased by 3.1% to $41.8 billion.
Successful Expansion Strategy
Opened 200th location, with expansion efforts generating $2.76 billion in deposits and $2.03 billion in loans. Expansion loans and deposits grew 35% and 25% year-over-year, respectively.
High Consumer Deposit Growth
Consumer deposits grew 3.7% year-over-year, with strong checking household growth at 5.4%.
Improved Net Interest Margin
Net interest margin increased by 7 basis points to 3.67%, driven by a shift to higher-yielding loans and securities.
Record Commercial Calls
Second quarter represented an all-time record for calls, with a 7% year-to-date increase.
Positive Guidance Updates
Guidance for net interest income growth revised upwards to 6%-7% for 2025, with full-year noninterest income expected to grow 3.5%-4.5%.
CFR Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CFR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 31, 2025 | $133.02 | $126.44 | -4.95% |
May 01, 2025 | $114.68 | $118.50 | +3.33% |
Jan 30, 2025 | $135.72 | $137.41 | +1.25% |
Oct 31, 2024 | $126.72 | $123.69 | -2.39% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Cullen/Frost Bankers (CFR) report earnings?
Cullen/Frost Bankers (CFR) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).
What is Cullen/Frost Bankers (CFR) earnings time?
Cullen/Frost Bankers (CFR) earnings time is at Oct 23, 2025, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CFR EPS forecast?
CFR EPS forecast for the fiscal quarter 2025 (Q3) is 2.38.