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Cullen/Frost Bankers CFR Net Interest Income

Net Interest Income at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$25.51B+9.9%
First Financial Bankshares logo
First Financial BanksharesFFIN
$136.91M+10.7%
Bank of America logo
Bank of AmericaBAC
$16B+9.0%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$12.32B+5.2%
International Bancshares logo
International BancsharesIBOC
$171.11M+2.2%
Southside Bancshares logo
Southside BancsharesSBSI
$57.33M+5.7%

Segments

By segment

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Bank$439.87M+5.3%
Non-Banks-$2.9M+6.7%
Frost Wealth Advisors$1.55M-13.2%

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
Line itemThree Months Ended March 31, 20262025
Junior subordinated deferrable interest debentures1,7351,945
Subordinated notes1,1641,164
Total interest expense139,445168,897
Net interest income438,522416,220
Credit loss expense6,74513,070
Net interest income after credit loss expense431,777403,150
Non-interest income:
Trust and investment management fees47,95742,931

Item 1. Financial Statements (Unaudited)

FAQ

What is Cullen/Frost Bankers's net interest income?
Cullen/Frost Bankers (CFR) reported net interest income of $438.52M in Q1 2026.
How has Cullen/Frost Bankers's net interest income changed year-over-year?
Cullen/Frost Bankers's net interest income increased by 5.4% year-over-year, from $416.22M to $438.52M.
What is the long-term trend for Cullen/Frost Bankers's net interest income?
Over 4 years (2021 to 2025), Cullen/Frost Bankers's net interest income has grown at a 15.2% compound annual growth rate (CAGR), from $984.87M to $1.74B.
What does net interest income mean?
Net interest income represents the difference between the interest earned on interest-earning assets, such as loans and securities, and the interest paid on interest-bearing liabilities, such as deposits and borrowings. It serves as the primary driver of profitability for traditional banking institutions. This metric reflects the bank's ability to manage its net interest margin effectively in varying interest rate environments.

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