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Cullen/Frost Bankers CFR Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$603.4MBeat by $25.1M
EPS$2.57Beat by $0.10
Revenue estimate$578.3M
EPS estimate$2.47

Next report

Oct 29, 2026 (in a month)
Revenue estimate$609.9M
EPS estimate$2.80

Financials

Q4 2025

Income statement

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Revenue$580.9M+8.3%
Net income$166.3M+7.4%
EPS (diluted)$2.56+8.5%

Balance sheet

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Cash & equivalents$8.9B-13.3%
Total debt$296.4M—
Total equity$4.6B+17.3%
Total assets$53.0B+1.0%

Cash flow

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Operating cash flow$180.7M+181%
CapEx$42.5M+12.9%
Free cash flow$138.2M+419%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$8.1B-6.0%
Enterprise value-$480.82M—
P/E12.5×-2.3×
P/S3.6×-0.5×

Profitability

See full
Net margin29%+0.8pp

Returns & leverage

See full
Return on equity15.3%0.0pp
Debt / equity0.1×—

Segments

By segment

See full
Bank$527.9M+8.8%
Frost Wealth Advisors$56.1M+2.0%
Non-Banks-$3.2M+17.1%

FAQ

When did Cullen/Frost Bankers report Q4 2025 earnings?
Cullen/Frost Bankers (CFR) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Cullen/Frost Bankers's Q4 2025 revenue and EPS?
Cullen/Frost Bankers reported revenue of $603.4M and eps of $2.57 for Q4 2025.
Did Cullen/Frost Bankers beat estimates in Q4 2025?
Revenue beat the consensus estimate of $578.3M by $25.1M. EPS beat the consensus estimate of $2.47 by $0.10.
How did Cullen/Frost Bankers's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.5% from $536.3M a year earlier and eps grew 8.9% from $2.36.
Where can I find Cullen/Frost Bankers's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000039263-26-000004) and the 10-K periodic report (0000039263-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.