Cullen/Frost Bankers, Inc. opera como la sociedad de cartera bancaria de Frost Bank, que ofrece servicios bancarios comerciales y de consumo en ...
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$4.03 por acción
BPA est. $2.78 · Ingresos $609.81M · 9 analistas
BPA est. $2.83 · Ingresos $626.66M · 7 analistas
BPA est. $10.98 · Ingresos $2.42B · 11 analistas
$4.03 por acción
| Métrica | Último | InteranualYoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo. | TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo. |
|---|---|---|---|
| IngresosEl dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores). | $2.9B | +2.5% | +0.4% |
| Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día. | $648.6M | +11.3% | +0.6% |
| Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión. | +75.0% | +7.0% | +0.0% |
| Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas). | +26.4% | +8.2% | +0.7% |
| Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas. | +22.2% | +8.7% | +0.3% |
| Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones. | $127.3M | -85.2% | -103.6% |
| Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero. | +4.4% | -85.6% | -103.6% |
| Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro. | 104.3% | -11.4% | +14.5% |
| Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico. | 0.21x | -60.8% | -3.6% |
| Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo. | $53.0B | +1.0% | +2.2% |
| Métrica | Anual (real vs estimado) | Sorpresa anual | Trimestral (real vs estimado) | Sorpresa trimestral |
|---|---|---|---|---|
| EPS Surprise | 9.92 vs 9.84 | +0.8% | 2.70 vs 2.55 | +5.8% |
| Revenue Surprise | $2.9B vs $2.3B | +28.7% | $577.0M vs $589.7M | -2.2% |
| Fecha | Ejecutivo | Cargo | Valor | Lado | Acciones | Precio |
|---|---|---|---|---|---|---|
| Jun 12, 2026 | Severyn Carol Jean | officer: GEVP and Chief Risk Officer | Common Stock, $0.01 par value | D | 837 | $148.29 |
| Apr 29, 2026 | HAEMISEGGER DAVID J | director | Deferred Stock Units | A | 630 | — |
| Apr 29, 2026 | CHASE ANTHONY R | director | Deferred Stock Units | A | 630 | — |
| Apr 29, 2026 | Dawson Samuel G. | director | Deferred Stock Units | A | 630 | — |
| Apr 29, 2026 | Andrade Esperanza | director | Deferred Stock Units | A | 630 | — |
Operator: Thank you for your patience. The conference will be beginning in just a few minutes. Once again, we want to thank you for your patience and we will be beginning in just a few minutes. Greetings. Welcome to Cullen/Frost Bankers, Inc. Second Quarter 2026 Earnings Conference Call. At this time, participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. Please note this conference is being recorded. I will now turn the conference over to A.B. Mendez, Senior Vice President and Director of Investor Relations. Thank you. You may begin. A.B. Mendez: Thanks, Sherry. This afternoon's conference call will be led by Phillip D. Green, Chairman and CEO and Daniel J. Geddes, Group Executive Vice President and CFO. Before I turn the call over to Phillip and Daniel, I need to take a moment to address the Safe Harbor provisions. Some of the remarks made today will constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend such statements to be covered by the Safe Harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 as amended. Please see the last page of text in this morning's earnings release for additional information about the risk factors associated with these forward-looking statements. If needed, a copy of the release is available on our website or by calling the Investor Relations Department at (210) 220-5234. As a reminder, this call is being webcast and a webcast replay of the call will be available on our Investor Relations website at investor.frostbank.com. At this time, I will turn the call over to Phillip. Phillip D. Green: Thanks, A.B. Good afternoon, everyone, and thanks for joining us. Today, we will review second quarter 2026 results for Cullen/Frost, and our Chief Financial Officer, Daniel J. Geddes, will provide additional commentary and guidance before we take your questions. In the second quarter of 2026, Cullen/Frost earned $170 million an increase of 9.7% compared to the $155 million earned in the second quarter last year. Per share earnings for the second quarter were $2.70 an increase of 13% from $2.39 in the second quarter of last year Our return on average assets and average common equity in the second quarter were 1.31%, 15.41%, respectively. That compares with 1.22%, 15.64% in the second quarter last year. Average deposits in the second quarter were $42.6 billion an increase from $41.8 billion in the same quarter last year. Average loans grew to $22.6 billion in the second quarter up from $21.1 billion in the second quarter last year. Frost Consumer Bank continues to stand out as an industry leader in both customer experience and organic growth. Even as competition from new entrants to the Texas markets intensifies. Year over year, consumer checking account household growth accelerated from 5.3% reported last year to 5.7% this quarter. Driven by our …
| Nombre | Cargo | Remuneración | Género | Año de nacimiento | Estado |
|---|---|---|---|---|---|
Phillip D. Green | Chairman of the Board & Chief Executive Officer | USD 3,619,494 | Male | 1955 | Active |
Paul H. Bracher | President, Group Executive Vice President & Chief Banking Officer | USD 1,509,997 | Male | 1957 | Active |
Jimmy Stead | Group Executive Vice President and Chief Consumer Banking Officer & Technology Officer | USD 1,429,338 | Male | 1976 | Active |
Coolidge E. Rhodes Jr. | Group Executive Vice President, General Counsel & Corporate Secretary | USD 1,402,576 | Male | 1976 | Active |
Daniel J. Geddes | Group Executive Vice President & Chief Financial Officer | USD 1,049,156 | Male | 1974 | Active |
Carol Jean Severyn | Group Executive Vice President & Chief Risk Officer | — | Female | 1965 | Active |
Howard L. Kasanoff | Group Executive VP & Chief Credit Officer | — | Male | 1970 | Active |
Matthew Henson | Executive Vice President & Chief Accounting Officer | — | Male | 1971 | Active |
A. Mendez | Director of Investor Relations | — | Male | — | Active |
Robert A. Berman | Group Executive Vice President of Research & Strategy | — | Male | 1963 | Active |
Annette Alonzo | Group Executive Vice President & Chief Human Resources Officer | — | Female | 1969 | Active |
Carole Kilpatrick | Senior Vice President of Private Client Services for Allen Financial Center | — | Female | — | Active |
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California State Teachers Retirement System boosted its position in Cullen/Frost Bankers, Inc. (NYSE: CFR) by 25.3% in the undefined quarter, according to its most recent filing with the SEC. The fund owned 72,412 shares of the bank's stock after purchasing an additional 14,607 shares during the period. California State Teachers Retirement System owned
