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Cullen/Frost Bankers CFR Bank — Technology, furniture, and equipment

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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:EquipmentExpense.

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
Salaries and wages145,83019,938422166,190
Employee benefits39,6924,9382644,656
Net occupancy30,7823,97134,753
Technology, furniture and equipment40,0921,5325041,674
Deposit insurance7,192117,203
Other56,52613,81487071,210
Total non-interest expense320,11444,2041,368365,686
Income (loss) before income taxes194,02112,786(4,401)202,406

Item 1. Financial Statements (Unaudited)

FAQ

What is Cullen/Frost Bankers's bank — technology, furniture, and equipment?
Cullen/Frost Bankers (CFR) reported bank — technology, furniture, and equipment of $40.09M in Q1 2026.
How has Cullen/Frost Bankers's bank — technology, furniture, and equipment changed year-over-year?
Cullen/Frost Bankers's bank — technology, furniture, and equipment increased by 4.0% year-over-year, from $38.56M to $40.09M.
What is the long-term trend for Cullen/Frost Bankers's bank — technology, furniture, and equipment?
Over 3 years (2022 to 2025), Cullen/Frost Bankers's bank — technology, furniture, and equipment has grown at a 11.4% compound annual growth rate (CAGR), from $115.26M to $159.34M.
What does bank — technology, furniture, and equipment mean?
This captures depreciation, maintenance, and software licensing costs related to the bank's technological infrastructure and physical office assets. It is a key indicator of the bank's investment in digital transformation and operational capacity.

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