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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Crossfirst Bankshares
Crossfirst Bankshares (CFB) investor relations material
Crossfirst Bankshares has been acquired
Crossfirst Bankshares Q4 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2024 earnings summary28 Jan, 2025
Executive summary
Achieved record Q4 net income of $22.1M ($0.44/diluted share) and record full-year net income of $78.5M ($1.56/diluted share); adjusted net income was $22.9M for Q4 and $81.6M for the year, excluding merger costs.
Regulatory and shareholder approvals for merger with First Busey Corporation obtained; closing expected March 1, 2025.
Operating revenue grew 7% year-over-year to $261.8M; efficiency ratio improved to 57.69% for the year.
Financial highlights
Q4 net income rose to $22.1M from $19.6M in Q3 and $17.7M in Q4 2023; full-year net income up from $66.7M in 2023.
Q4 operating revenue was $68.9M, up from $67.1M in Q3 and $61.4M in Q4 2023.
Net interest margin (FTE) for Q4 was 3.41%, up from 3.29% in Q3 and 3.23% in Q4 2023; full-year NIM (FTE) was 3.28%.
Adjusted diluted EPS for Q4 was $0.45, up from $0.43 in Q3 and $0.39 in Q4 2023; full-year adjusted EPS was $1.62.
Book value per share grew 9% to $15.69; tangible book value per share up 10% to $14.97 year-over-year.
Outlook and guidance
Merger with Busey expected to close March 1, 2025, with anticipated expanded product offerings and operational synergies.
No conference call or webcast for Q4 and full-year 2024 results due to pending merger.
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Latest events from Crossfirst Bankshares
- Q3 net income rose, margins improved, and a major merger is set for early 2025.CFB
Q3 2024 - All-stock merger forms a $20B+ regional bank, targeting $25M in cost savings and 20% EPS growth.CFBM&A Announcement
- Q2 net income up, margins steady, credit quality strong, and capital returns continue.CFBQ2 2024
Crossfirst Bankshares
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Frequently asked questions
CrossFirst Bankshares, Inc. operates as the bank holding company for CrossFirst Bank that provides various banking and financial services to businesses, business owners, professionals, and its personal networks. It accepts various demand, money market, and time deposits. The company's loan portfolio comprises commercial and industrial loans; owner-occupied and commercial real estate loans; construction and development loans; consumer loans; home equity lines of credit; and other loans comprising agricultural loans secured by collateral other than real estate. Its loan products include commercial lending products, such as lines of credit for inventory purchases or borrowing against receivables, equipment financing, term loans with fixed rates or variable rates tied to a published index such as the Wall Street Journal prime rate or the London Interbank Offering Rate (LIBOR), and SBA government guaranteed small business term loans; real estate financing products consisting of construction loans for developments such as apartments, commercial buildings, condominiums, industrial warehouses, office buildings, raw land zoned for development purposes.