For the quarter ended September 2025, Cullen/Frost Bankers (CFR) reported revenue of $589.31 million, up 9.4% over the same period last year. EPS came in at $2.67, compared to $2.24 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $569.2 million, representing a surprise of +3.53%. The company delivered an EPS surprise of +12.18%, with the consensus EPS estimate being $2.38.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 0.1% compared to the 0.2% average estimate based on three analysts.
- Total earning assets and average rate earned - Average balance: $48.49 billion versus $48.2 billion estimated by three analysts on average.
- Net Interest Margin (FTE): 3.7% compared to the 3.7% average estimate based on three analysts.
- Total Non-Performing Loans/ Non-accrual loans: $44.78 million compared to the $75.66 million average estimate based on two analysts.
- Book value per common share at end of quarter: $67.64 compared to the $65.15 average estimate based on two analysts.
- Total Non-Interest Income: $125.65 million versus $117.58 million estimated by three analysts on average.
- Net Interest Income (FTE): $463.67 million versus the three-analyst average estimate of $451.61 million.
- Service charges on deposit accounts: $31.44 million compared to the $28.67 million average estimate based on two analysts.
- Net Interest Income: $441.62 million versus $427.97 million estimated by two analysts on average.
- Insurance commissions and fees: $15.42 million compared to the $14.45 million average estimate based on two analysts.
- Trust and investment management fees: $44.85 million compared to the $42.93 million average estimate based on two analysts.
- Other charges, commissions and fees: $14.73 million versus $13.73 million estimated by two analysts on average.
View all Key Company Metrics for Cullen/Frost here>>>
Shares of Cullen/Frost have returned -3.5% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with 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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