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Cullen/Frost Bankers CFR Q3 2025 earnings

Reported October 30, 2025 · Before market open

Revenue$567.1MBeat by $3.4M
EPS$2.67Beat by $0.29
Revenue estimate$563.7M
EPS estimate$2.38

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$567.3M+9.5%
Net income$174.4M+19.0%
EPS (diluted)$2.67+19.2%

Balance sheet

See full
Cash & equivalents$7.9B-13.7%
Total equity$4.5B+7.9%
Total assets$52.5B+3.0%

Cash flow

See full
Operating cash flow$248.6M-19.1%
CapEx$36.9M+45.8%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$8.15B+14.6%
P/E12.8×-0.6×
P/S3.7×+0.2×

Profitability

See full
Net margin29.1%+3.0pp

Returns & leverage

See full
Return on equity14.8%0.0pp

Segments

By segment

See full
Bank$515.5M+9.3%
Frost Wealth Advisors$55.0M+9.6%
Non-Banks-$3.2M+16.2%

Versus estimates

Revenue

Q1 2026$597.1MBeat by $9.8MQ4 2025$603.4MBeat by $25.1M
Q3 2025$567.1MBeat by $3.4M
Q2 2025$546.9MMiss by $20.9MQ1 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 $0.10
Q3 2025$2.67Beat by $0.29
Q2 2025$2.39Beat by $0.11Q1 2025$2.30Beat by $0.14Q4 2024$2.36Beat by $0.19

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Questions, answered.

When did Cullen/Frost Bankers report Q3 2025 earnings?
Cullen/Frost Bankers (CFR) reported Q3 2025 earnings on October 30, 2025 before market open.
What were Cullen/Frost Bankers's Q3 2025 revenue and EPS?
Cullen/Frost Bankers reported revenue of $567.1M and eps of $2.67 for Q3 2025.
Did Cullen/Frost Bankers beat estimates in Q3 2025?
Revenue beat the consensus estimate of $563.7M by $3.4M. EPS beat the consensus estimate of $2.38 by $0.29.
How did Cullen/Frost Bankers's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 6.8% from $608.2M a year earlier and eps grew 19.2% from $2.24.
Where can I find Cullen/Frost Bankers's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000039263-25-000117) directly on SEC EDGAR. The filing index links above go to sec.gov.