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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

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

Financials

Q4 2025

Income statement

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

Balance sheet

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

Cash flow

See full
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%

Versus estimates

Revenue

Q1 2026$597.1MBeat by $9.8M
Q4 2025$603.4MBeat by $25.1M
Q3 2025$567.1MBeat by $3.4MQ2 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 $0.16
Q4 2025$2.57Beat by $0.10
Q3 2025$2.67Beat by $0.29Q2 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 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.