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Cullen/Frost Bankers CFR Bank — Net interest income (expense)

Other segment segments

Non-Banks
-$2.9M+6.7%
Frost Wealth Advisors
$1.55M-13.2%

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Other financials

Income statement

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Revenue$574.8M+6.4%
Net income$171.0M+13.3%
EPS (diluted)$2.65+15.2%

Balance sheet

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Cash & equivalents$7.1B-9.0%
Total debt$296.4M
Total equity$4.5B+10.1%
Total assets$52.7B+1.4%

Cash flow

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Operating cash flow$237.3M+180%
CapEx$38.6M-5.7%
Free cash flow$198.7M+159%

Valuation

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Market cap$10.32B+29.8%
P/E15.4×+2.4×
P/S4.6×+0.8×

Profitability

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Net margin29.5%+1.0pp
FCF margin3.5%

Returns & leverage

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Return on equity15.5%0.0pp
Debt / equity0.1×

Where this comes from

Reported directly by Cullen/Frost Bankers in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Cullen/Frost Bankers’s 10-Q, filed April 30, 2026.

Filed
Apr 30, 2026, 5:18 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0000039263-26-000035
Three months ended: / March 31, 2026BankingFrost Wealth AdvisorsNon-BanksConsolidated
Interest income$576,332$1,635$577,967
Interest expense136,462842,899139,445
Net interest income (expense)439,8701,551(2,899)438,522
Credit loss expense6,7456,745
Net interest income after credit loss expense433,1251,551(2,899)431,777
Non-interest income:
Trust and investment management fees48,132(175)47,957
Service charges on deposit accounts32,152532,157

Item 1. Financial Statements (Unaudited)

FAQ

What is Cullen/Frost Bankers's bank — net interest income (expense)?
Cullen/Frost Bankers (CFR) reported bank — net interest income (expense) of $439.87M in Q1 2026.
How has Cullen/Frost Bankers's bank — net interest income (expense) changed year-over-year?
Cullen/Frost Bankers's bank — net interest income (expense) increased by 5.3% year-over-year, from $417.54M to $439.87M.
What is the long-term trend for Cullen/Frost Bankers's bank — net interest income (expense)?
Over 4 years (2021 to 2025), Cullen/Frost Bankers's bank — net interest income (expense) has grown at a 15.2% compound annual growth rate (CAGR), from $989.87M to $1.74B.
What does bank — net interest income (expense) mean?
This is the difference between interest income earned on assets and interest expense paid on liabilities within the banking segment. It is the primary measure of the bank's core profitability and its ability to manage the spread between lending and funding rates.

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