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Cullen/Frost Bankers CFR Q2 2025 earnings

Reported July 31, 2025 · Before market open

Revenue$546.9MMiss by $20.9M
EPS$2.39Beat by $0.11
Revenue estimate$567.8M
EPS estimate$2.28

Next report

Jul 30, 2026 (Today)
Revenue estimate$589.7M
EPS estimate$2.55

Financials

Q2 2025

Income statement

See full
Revenue$546.9M+7.7%
Net income$157.0M+7.9%
EPS (diluted)$2.39+8.1%

Balance sheet

See full
Cash & equivalents$7.1B-0.4%
Total equity$4.2B+14.6%
Total assets$51.4B+5.3%

Cash flow

See full
Operating cash flow$140.8M+8.6%
CapEx$26.3M-1.3%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$8.13B+24.5%
P/E13.3×+1.2×
P/S3.8×+0.5×

Profitability

See full
Net margin28.5%+1.5pp

Returns & leverage

See full
Return on equity15.5%+0.2pp

Segments

By segment

See full
Bank$496.4M+7.8%
Frost Wealth Advisors$53.7M+4.5%
Non-Banks-$3.2M+18.3%

Versus estimates

Revenue

Q1 2026$597.1MBeat by $9.8MQ4 2025$603.4MBeat by $25.1MQ3 2025$567.1MBeat by $3.4M
Q2 2025$546.9MMiss by $20.9M
Q1 2025$540.2MBeat by $1.9MQ4 2024$536.3MMiss by $4.7M

Diluted EPS

Q1 2026$2.65Beat by $0.16Q4 2025$2.57Beat by $0.10Q3 2025$2.67Beat by $0.29
Q2 2025$2.39Beat by $0.11
Q1 2025$2.30Beat by $0.14Q4 2024$2.36Beat by $0.19

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Questions, answered.

When did Cullen/Frost Bankers report Q2 2025 earnings?
Cullen/Frost Bankers (CFR) reported Q2 2025 earnings on July 31, 2025 before market open.
What were Cullen/Frost Bankers's Q2 2025 revenue and EPS?
Cullen/Frost Bankers reported revenue of $546.9M and eps of $2.39 for Q2 2025.
Did Cullen/Frost Bankers beat estimates in Q2 2025?
Revenue missed the consensus estimate of $567.8M by $20.9M. EPS beat the consensus estimate of $2.28 by $0.11.
How did Cullen/Frost Bankers's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.7% from $507.9M a year earlier and eps grew 8.1% from $2.21.
Where can I find Cullen/Frost Bankers's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0000039263-25-000101) directly on SEC EDGAR. The filing index links above go to sec.gov.