About Cullen/Frost Bankers, Inc.
https://www.frostbank.comCullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors.
CEO
Phillip D. Green
Compensation Summary
(Year 2022)
ETFs Holding This Stock
Summary
Showing Top 2 of 7
Ratings Snapshot
Rating : A
Price Target
Institutional Ownership
THOMPSON INVESTMENT MANAGEMENT, INC.
Shares:2K
Value:$35.58K
PNC FINANCIAL SERVICES GROUP, INC.
Shares:426
Value:$7.58K
NBC SECURITIES, INC.
Shares:16
Value:$284.64
Summary
Showing Top 3 of 3
About Cullen/Frost Bankers, Inc.
https://www.frostbank.comCullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $745.56M ▲ | $352.48M ▲ | $174.38M ▲ | 23.39% ▲ | $2.7 ▲ | $230.24M ▲ |
| Q2-2025 | $719.23M ▲ | $347.13M ▼ | $157M ▲ | 21.83% ▲ | $2.39 ▲ | $208.46M ▲ |
| Q1-2025 | $709.13M ▼ | $348.07M ▲ | $150.92M ▼ | 21.28% ▼ | $2.3 ▼ | $200.99M ▼ |
| Q4-2024 | $723.52M ▲ | $336.17M ▲ | $154.85M ▲ | 21.4% ▲ | $2.37 ▲ | $205.42M ▲ |
| Q3-2024 | $721.87M | $323.41M | $146.5M | 20.29% | $2.24 | $195.96M |
What's going well?
Profits and margins are up, with net income and earnings per share both rising nicely. Costs are under control, and the company continues to generate strong gross margins.
What's concerning?
Interest expenses remain high and could pressure profits if they keep rising. Lack of spending on R&D or marketing may limit future growth or make the business vulnerable to competition.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $18.62B ▲ | $52.53B ▲ | $48.07B ▲ | $4.46B ▲ |
| Q2-2025 | $17.62B ▲ | $51.41B ▼ | $47.21B ▼ | $4.2B ▲ |
| Q1-2025 | $9.25B ▼ | $52B ▼ | $47.89B ▼ | $4.11B ▲ |
| Q4-2024 | $25.26B ▲ | $52.52B ▲ | $48.62B ▲ | $3.9B ▼ |
| Q3-2024 | $24.51B | $51.01B | $46.87B | $4.14B |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $174.38M ▲ | $248.58M ▲ | $-275.19M ▼ | $850.75M ▲ | $824.15M ▲ | $315.8M ▲ |
| Q2-2025 | $157M ▲ | $140.77M ▲ | $-57.57M ▲ | $-820.52M ▼ | $-737.32M ▲ | $114.51M ▲ |
| Q1-2025 | $150.92M ▼ | $-296.11M ▼ | $-1.82B ▼ | $-266.1M ▼ | $-2.38B ▼ | $-337.06M ▼ |
| Q4-2024 | $154.85M ▲ | $64.3M ▼ | $-294.41M ▼ | $1.27B ▼ | $1.04B ▼ | $26.66M ▼ |
| Q3-2024 | $146.5M | $307.22M | $179.12M | $1.57B | $2.05B | $281.89M |
Revenue by Products
| Product | Q3-2024 | Q2-2025 | Q1-2025 | Q3-2025 |
|---|---|---|---|---|
 Bank | $470.00M ▲ | $500.00M ▲ | $490.00M ▼ | $20.00M ▼ |
 Frost Wealth Advisors | $50.00M ▲ | $50.00M ▲ | $50.00M ▲ | $0 ▼ |
 Non Banks | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
Phillip D. Green
Compensation Summary
(Year 2022)
ETFs Holding This Stock
Summary
Showing Top 2 of 7
Ratings Snapshot
Rating : A
Price Target
Institutional Ownership
THOMPSON INVESTMENT MANAGEMENT, INC.
Shares:2K
Value:$35.58K
PNC FINANCIAL SERVICES GROUP, INC.
Shares:426
Value:$7.58K
NBC SECURITIES, INC.
Shares:16
Value:$284.64
Summary
Showing Top 3 of 3