For the quarter ended December 2025, Cullen/Frost Bankers (CFR) reported revenue of $603.38 million, up 8.4% over the same period last year. EPS came in at $2.57, compared to $2.36 in the year-ago quarter.
The reported revenue represents a surprise of +3% over the Zacks Consensus Estimate of $585.8 million. With the consensus EPS estimate being $2.47, the EPS surprise was +3.91%.
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 charge-offs annualized as a percentage of average loans: 0.1% compared to the 0.2% average estimate based on three analysts.
- Total earning assets and average rate earned - Average balance: $50.03 billion versus the three-analyst average estimate of $49.42 billion.
- Net Interest Margin (FTE): 3.7% compared to the 3.7% average estimate based on three analysts.
- Non-accrual loans: $70.48 million versus $56.86 million estimated by two analysts on average.
- Book value per common share at end of quarter: $69.96 versus the two-analyst average estimate of $69.50.
- Total Non-Interest Income: $132.16 million versus the three-analyst average estimate of $123.85 million.
- Net Interest Income (FTE): $471.22 million versus the three-analyst average estimate of $461.96 million.
- Service charges on deposit accounts: $32.36 million compared to the $29.74 million average estimate based on two analysts.
- Net Interest Income: $448.71 million versus $435.51 million estimated by two analysts on average.
- Insurance commissions and fees: $15.18 million versus the two-analyst average estimate of $14.91 million.
- Trust and investment management fees: $45.65 million versus the two-analyst average estimate of $45.05 million.
- Other charges, commissions and fees: $15.23 million compared to the $14.64 million average estimate based on two analysts.
View all Key Company Metrics for Cullen/Frost here>>>
Shares of Cullen/Frost have returned +6.8% over the past month versus the Zacks S&P 500 composite's +0.8% 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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