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Cullen/Frost Bankers
Cullen/Frost Bankers (CFR) investor relations material
Cullen/Frost Bankers Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income for Q2 2025 was $155.3 million ($2.39 per share), rising to $164.6 million ($2.56 per share) in Q4, with full-year 2025 net income at $641.9 million and EPS of $9.92.
Headquartered in San Antonio, Texas, with a branch footprint exclusively in Texas and a focus on relationship banking.
Expansion strategy continued with the opening of the 200th location and 10 new financial centers in 2025, driving significant growth in loans, deposits, and new households.
Recognized as the highest ranked retail bank in Texas for 17 consecutive years and recipient of multiple awards for excellence.
Market capitalization of $8.1 billion and total assets of $53.0 billion as of December 31, 2025.
Financial highlights
Average deposits rose 3.1% year-over-year to $41.8 billion in Q2 and 3.5% to $43.3 billion in Q4; average loans grew 7.2% to $21.1 billion in Q2 and 6.5% to $21.7 billion in Q4.
Net interest margin increased to 3.67% in Q2 and 3.66% in Q4 2025.
Consumer real estate loans grew 22% year-over-year to $3.3 billion; consumer loans rose from 11.6% to 19.1% of total loans from 2019 to 2025.
15-year total return of 224.4%, outperforming the S&P 500 Regional Bank Index.
32 consecutive years of dividend increases, with dividends reaching $3.95 per share in 2025.
Outlook and guidance
Full-year 2025 guidance assumes two 25 bps Fed rate cuts in September and October, with net interest income growth expected at 6%-7% and non-interest income growth revised up to 3.5%-4.5%.
Net interest margin projected to improve 12-15 bps over 2024's 3.53%.
Organic expansion strategy expected to provide a positive income stream starting in 2026, with meaningful growth anticipated.
Management expressed confidence in continued momentum into 2026, emphasizing the scalability of the organic growth strategy.
Expansion regions' path to full profitability
Impact of multifamily resolution on provision
NII impact if April Fed rate cut is missed?
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Next Cullen/Frost Bankers earnings date
Q1 202630 Apr, 2026
Cullen/Frost Bankers
Next Cullen/Frost Bankers earnings date
Q1 202630 Apr, 2026
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Cullen/Frost Bankers Inc. is a financial holding company that provides a range of banking and financial services. Its offerings include commercial and consumer banking, trust and investment management, insurance, and treasury services. The company is headquartered in San Antonio, Texas, and its shares are listed on the NYSE.
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