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Cullen/Frost Bankers, Inc.

CFR · Financials

Last earnings Oct 29, 2026

Key results

Net incomequarter

$172.7 million

Net income available to common shareholders for the third quarter of 2025 was $172.7 million compared to $144.8 million for the third quarter of 2024.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

On a per-share basis, net income available to common shareholders for the third quarter of 2025 was $2.67 per diluted common share, compared to $2.24 per diluted common share reported a year earlier.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Net incomeytd

$477.3 million

For the first nine months of 2025, net income available to common shareholders was $477.3 million, up 12.9 percent, compared to $422.7 million for the first nine months of 2024.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Growthquarter

up 12.9 percent

For the first nine months of 2025, net income available to common shareholders was $477.3 million, up 12.9 percent, compared to $422.7 million for the first nine months of 2024.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

EPSytd

$7.36

Diluted EPS available to common shareholders for the first nine months of 2025 was $7.36 compared to $6.51 in the year-earlier period.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

AI analysis

Q3 2025 · reported Oct 30, 2025

Based on: Earnings release + parent 8-K — transcript not held

Net income · Q3 2025
$172.7M
+19.3% +$28M vs year ago computed from stated figures
EX-99 · Oct 30, 2025
Growth · Q3 2025
up 12.9 percent
+34.4% vs prior quarter computed from stated figures
EX-99 · Oct 30, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$172.7 million$155.3 million$144.8 million
Growthup 12.9 percentup 9.6 percent—

EX-99 · Oct 30, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$1.00

Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 30, 2025 CULLEN FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock SAN ANTONIO -- Cullen Frost Bankers, Inc.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Cullen/Frost Bankers, Inc. Q3 2025 — Net income available to common shareholders for the third quarter of 2025 was $172.7 million compared to $144.8 million for the third quarter of 2024.

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 30, 2025 CULLEN FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock SAN ANTONIO -- Cullen Frost Bankers, Inc.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

4 The Cullen Frost board declared a fourth-quarter cash dividend of $1.00 per common share.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

The dividend on common stock is payable December 15, 2025 to shareholders of record on November 28 of this year.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

The board of directors also declared a cash dividend of $11.125 per share of Series B Preferred Stock (or $0.278125 per depositary share).

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

The Series B Preferred Stock dividend is payable December 15, 2025 to shareholders of record on November 28 of this year.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Examples of forward-looking statements include, but are not limited to (i) projections of revenues, expenses, income or loss, earnings or loss per share, the payment or nonpayment of dividends, capital structure and other financial items (ii) statements of plans, objectives and expectations of Cullen Frost or its management or Board of Directors, including those relating to products, services or operations (iii) statements of future economic performance and (iv) statements of assumptions underlying such statements.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Strategy & priorities

We remained as laser-focused as ever on pursuing our strategy of opening new locations, extending the Frost experience to more families and businesses, and continuing to deliver top-quality digital banking tools along with an empathetic customer experience, said Cullen Frost Chairman and CEO Phil Green.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

The increase in the number of employees was partly related to our investment in organic expansion in various markets.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Risks & headwinds

Forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from those in such statements.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to The effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve Board and the implementation of tariffs and other protectionist trade policies.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

The costs and effects of legal and regulatory developments, the resolution of legal proceedings or regulatory or other governmental inquiries, the results of regulatory examinations or reviews and the ability to obtain required regulatory approvals.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

trade policies, the amount and duration of any tariffs and their ultimate impact on us, our customers, financial markets, and the overall U.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Nonetheless, prolonged uncertainty, elevated tariff levels or their wide-spread use in U.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

trade policy could weaken economic conditions and adversely impact the ability of borrowers to repay outstanding loans or the value of collateral securing these loans or adversely affect financial markets.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

What changed vs prior quarter

Net income — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Net income — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

EPS — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Cullen/Frost Bankers, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Documents

Earnings deck slides

0 decks with slide view

Cullen/Frost Bankers, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Cullen/Frost Bankers, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Cullen/Frost Bankers, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Cullen/Frost Bankers, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Cullen/Frost Bankers, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

32 documents

Earnings releases

10 documents

Presentations

5 documents

Transcripts

0 documents

No transcripts for Cullen/Frost Bankers, Inc. are held in this edition of the library.

Mentioned by

6 companies

Other tracked companies whose held documents mention Cullen/Frost Bankers, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.