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Cullen/Frost Bankers CFR Banking — Interest Expense

Other segment segments

Bank
$136.46M-17.6%
Non-Banks
$2.9M-6.7%
Frost Wealth Advisors
$84K-5.6%

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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:InterestExpenseOperating.

The source filing: Cullen/Frost Bankers’s 10-K, filed February 5, 2026.

Filed
Feb 5, 2026, 3:51 PM EST
Fiscal year
FY2025
Accession
0000039263-26-000011
Line itemYear Ended December 31, 2025Year Ended December 31, 2024Year Ended December 31, 2023
Repurchase agreements137,908141,833135,969
Junior subordinated deferrable interest debentures7,6898,8728,647
Subordinated notes4,6574,6574,657
Total interest expense684,598786,025659,052
Net interest income1,736,1491,604,6121,558,664
Credit loss expense44,20264,98546,171
Net interest income after credit loss expense1,691,9471,539,6271,512,493
Non-interest income:

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Cullen/Frost Bankers's banking — interest expense?
Cullen/Frost Bankers (CFR) reported banking — interest expense of $167.97M in Q4 2025.
How has Cullen/Frost Bankers's banking — interest expense changed year-over-year?
Cullen/Frost Bankers's banking — interest expense decreased by 13.0% year-over-year, from $193.02M to $167.97M.
What is the long-term trend for Cullen/Frost Bankers's banking — interest expense?
Over 2 years (2023 to 2025), Cullen/Frost Bankers's banking — interest expense has grown at a 1.9% compound annual growth rate (CAGR), from $647.22M to $671.87M.
What does banking — interest expense mean?
The total cost incurred by the banking segment on interest-bearing liabilities, such as customer deposits and wholesale borrowings. This reflects the bank's cost of funds used to support its lending and investment activities.

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