Cullen/Frost Bankers (CFR) reported $567.83 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 7.4%. EPS of $2.39 for the same period compares to $2.21 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $557.33 million, representing a surprise of +1.88%. The company delivered an EPS surprise of +4.82%, with the consensus EPS estimate being $2.28.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Cullen/Frost performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net loan charge-offs to average loans: 0.2% compared to the 0.2% average estimate based on four analysts.
- Total earning assets and average rate earned - Average balance: $47.66 billion versus the four-analyst average estimate of $47.95 billion.
- Net Interest Margin (FTE): 3.7% versus the four-analyst average estimate of 3.7%.
- Book value per common share at end of quarter: $63.04 versus the three-analyst average estimate of $62.96.
- Total Non-Performing Loans/ Non-accrual loans: $62.39 million compared to the $88.68 million average estimate based on two analysts.
- Total Non-Interest Income: $117.27 million versus the four-analyst average estimate of $116.73 million.
- Net Interest Income (FTE): $450.56 million versus the four-analyst average estimate of $440.6 million.
- Other charges, commissions and fees: $13.97 million versus $13.26 million estimated by three analysts on average.
- Insurance commissions and fees: $13.88 million versus $16.16 million estimated by three analysts on average.
- Trust and investment management fees: $43.67 million versus $41.43 million estimated by three analysts on average.
- Net Interest Income: $429.6 million versus the three-analyst average estimate of $419.42 million.
- Service charges on deposit accounts: $29.15 million compared to the $28.01 million average estimate based on three analysts.
View all Key Company Metrics for Cullen/Frost here>>>
Shares of Cullen/Frost have returned -0.3% over the past month versus the Zacks S&P 500 composite's +2.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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Cullen/Frost Bankers, Inc. (CFR): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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