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Cullen/Frost Bankers
Cullen/Frost Bankers (CFR) investor relations material
Cullen/Frost Bankers Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Fourth quarter 2025 net income available to common shareholders rose 7.4% year-over-year to $164.6 million, with EPS of $2.56, up from $2.36.
Full-year 2025 net income available to common shareholders increased 11.5% to $641.9 million, with EPS of $9.92, up from $8.87.
Strategic growth initiatives included opening 10 new financial centers in key Texas markets during 2025.
Financial highlights
Net interest income for Q4 2025 was $471.2 million, up 8.6% year-over-year; net interest margin was 3.66%.
Non-interest income for Q4 2025 increased 7.6% to $132.2 million, driven by higher service charges and investment management fees.
Non-interest expense for Q4 2025 rose 10.6% to $371.7 million, impacted by one-time items totaling $16.2 million.
Average loans for Q4 2025 grew 6.5% year-over-year to $21.7 billion; average deposits rose 3.5% to $43.3 billion.
Allowance for credit losses on loans was 1.29% of total loans at year-end 2025.
Outlook and guidance
Management expressed confidence in continued organic growth and scalability of the current strategy entering 2026.
A new $300 million share repurchase program was authorized, expiring January 2027.
What is the recurring expense run-rate post Q4 one-offs?
Explain the Q4 non-accrual loan increase vs. allowance drop.
What drives the new $300M share repurchase plan?
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Next Cullen/Frost Bankers earnings date
Q1 202630 Apr, 2026
Cullen/Frost Bankers
Next Cullen/Frost Bankers earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Cullen/Frost Bankers Inc. is a financial holding company that provides a range of banking and financial services. Its offerings include commercial and consumer banking, trust and investment management, insurance, and treasury services. The company is headquartered in San Antonio, Texas, and its shares are listed on the NYSE.
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