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Cullen/Frost Bankers
Cullen/Frost Bankers (CFR) investor relations material
Cullen/Frost Bankers Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Q2 2025 net income was $155.3 million ($2.39 per share), up from $143.8 million ($2.21 per share) in Q2 2024.
Q4 2025 net income available to common shareholders rose 7.4% year-over-year to $164.6 million, with EPS of $2.56, up from $2.36 in Q4 2024.
Full-year 2025 net income available to common shareholders increased 11.5% to $641.9 million, with EPS of $9.92, up from $8.87 in 2024.
Expansion strategy continued with the opening of the 200th location and 10 new financial centers in Texas during 2025.
Financial highlights
Q4 2025 net interest income (taxable-equivalent) was $471.2 million, up 8.6% year-over-year; net interest margin was 3.66%, up from 3.53% in Q4 2024.
Average deposits rose 3.1% year-over-year to $41.8 billion in Q2 and 3.5% to $43.3 billion in Q4; average loans grew 7.2% to $21.1 billion in Q2 and 6.5% to $21.7 billion in Q4.
Consumer deposits grew 3.7% year-over-year; consumer real estate loans up 22% to $3.3 billion.
Non-interest income for Q4 2025 was $132.2 million, up 7.6% year-over-year.
Non-interest expense for Q4 2025 rose 10.6% year-over-year to $371.7 million, impacted by merit increases, expansion, and one-time items.
Outlook and guidance
Full-year 2025 guidance assumed two 25 bps Fed rate cuts in September and October.
Net interest income growth expected at 6%-7% for 2025, up from prior 5%-7% guidance.
Net interest margin projected to improve 12-15 bps over 2024's 3.53%.
Average loan growth expected in mid- to high-single digits; deposit growth 2%-3%.
Management expressed confidence in continued momentum into 2026, emphasizing the durability and scalability of the organic growth strategy.
Expansion regions' path to full profitability
Impact of multifamily resolution on provision
NII impact if April Fed rate cut is missed?
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Next Cullen/Frost Bankers earnings date
Q1 202630 Apr, 2026
Cullen/Frost Bankers
Next Cullen/Frost Bankers earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Cullen/Frost Bankers Inc. is a financial holding company that provides a range of banking and financial services. Its offerings include commercial and consumer banking, trust and investment management, insurance, and treasury services. The company is headquartered in San Antonio, Texas, and its shares are listed on the NYSE.
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