Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The ...
Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer
$4.03 per share
Est. EPS $2.78 · Revenue $609.81M · 9 analysts
Est. EPS $2.83 · Revenue $626.66M · 7 analysts
Est. EPS $10.98 · Revenue $2.42B · 11 analysts
$4.03 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $2.9B | +2.5% | +0.4% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $648.6M | +11.3% | +0.6% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +75.0% | +7.0% | +0.0% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +26.4% | +8.2% | +0.7% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +22.2% | +8.7% | +0.3% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $127.3M | -85.2% | -103.6% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +4.4% | -85.6% | -103.6% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 104.3% | -11.4% | +14.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.21x | -60.8% | -3.6% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $53.0B | +1.0% | +2.2% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| 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% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| 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 …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
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 |
Investors interested in Banks - Southwest stocks are likely familiar with Prosperity Bancshares (PB) and Cullen/Frost Bankers (CFR). But which of these two stocks presents investors with the better value opportunity right now?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Cullen/Frost (CFR) have what it takes?
Does Cullen/Frost Bankers (CFR) have what it takes to be a top stock pick for momentum investors? Let's find out.
Investors interested in Banks - Southwest stocks are likely familiar with Prosperity Bancshares (PB) and Cullen/Frost Bankers (CFR). But which of these two stocks offers value investors a better bang for their buck right now?
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
