Cullen/Frost Bankers Inc. (CFR) Financial Statements
Historical financial data — 40 statements covering FY2016–FY2025
Cullen/Frost is a regional US bank with around $54 billion in assets (as of June 2026), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemente...
Cullen/Frost Bankers Inc.'s revenue increased 14.4% year over year, from $106.2M to $121.6M.
Net income increased 11.3% over the same period, from $582.5M to $648.6M.
Over the 9-year period from FY2016 to FY2025, revenue declined by 89% in total.
Operating cash flow declined 72.3% to $274.0M.
Cullen/Frost Bankers Inc. maintains a strong net profit margin of 533.5%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | Gross Profit | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|---|
| Q1 FY2024 | $24.8M+1.1% | $135.7M | N/A | $161.6M | $488.4M | $49.51B | N/A | $3.64B |
| Q3 FY2024 | $53.5M+115.9% | $292.0M | N/A | $350.4M | $436.8M | $51.01B | N/A | $4.14B |
| Q4 FY2024 | $27.9M-47.9% | $154.9M | N/A | $184.0M | $64.3M | $52.52B | N/A | $3.90B |
| Q1 FY2025 | $28.6M+2.6% | $150.9M | N/A | $179.1M | $-296.1M | $52.00B | N/A | $4.11B |
| Q2 FY2025 | $29.2M+1.9% | $157.0M | N/A | $186.6M | $140.8M | $51.41B | N/A | $4.20B |
| Q3 FY2025 | $31.4M+7.9% | $174.4M | N/A | $208.0M | $248.6M | $52.53B | N/A | $4.46B |
| Q4 FY2025 | $32.4M+2.9% | $166.3M | N/A | $198.0M | $180.7M | $53.04B | N/A | $4.57B |
| Q1 FY2026 | $32.2M-0.6% | $171.0M | N/A | $202.4M | $237.3M | $52.72B | N/A | $4.53B |
Balance Sheet Summary (Latest Period)
Cullen/Frost Bankers Inc. (CFR) Financial Statements & Revenue History
Cullen/Frost Bankers Inc. (CFR) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry trading at $156.15 with a market capitalization of $10. This page provides 40 historical financial statements for Cullen/Frost Bankers Inc., including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, Cullen/Frost Bankers Inc. reported revenue of $122 million, representing 14.4% year-over-year growth. The net profit margin of 533.5% reflects strong profitability..
CFR Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows Cullen/Frost Bankers Inc.'s revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether CFR is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track CFR's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently Cullen/Frost Bankers Inc. converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of CFR's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use CFR Financial Data
Investors use Cullen/Frost Bankers Inc.'s financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare CFR's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how CFR's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View CFR's financial health score, earnings, and pre-market pricing.
Financial data is sourced from Cullen/Frost Bankers Inc.'s SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.CFR trades on NYSE. This page is for informational purposes only and is not financial advice.