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Cullen/Frost Bankers (CFR)
NYSE:CFR
Earnings Data
Report Date
Jul 24, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
2.29Last Year’s EPS
2.21Same Quarter Last Year
Based on 8 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:May 01, 2025
|% Change Since: 7.52%
|Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment|Neutral
The earnings call highlighted strong financial performance with increased earnings, robust consumer loan growth, and successful expansion efforts. However, challenges included a decline in non-interest bearing deposits and higher net charge-offs. The overall sentiment is balanced between positive growth and some operational challenges.Company Guidance
During Cullen/Frost Bankers' Q1 2025 earnings call, the company provided several key metrics and forward-looking guidance. The bank reported earnings of $149.3 million, or $2.30 per share, a rise from $134 million, or $2.06 per share, in Q1 2024. Their return on average assets increased to 1.19%, and return on average common equity rose to 15.54%. Average deposits grew by 2.3% to $41.7 billion, while average loans grew by 8.8% to $20.8 billion. The bank's expansion efforts have been fruitful, with deposits, loans, and new households surpassing goals. Looking ahead, Cullen/Frost anticipates interest income growth between 5% and 7% for 2025, despite factoring in four expected 25 basis point federal rate cuts, and expects net interest margin improvement by 12 to 15 basis points over 2024's 3.53%. The bank also projects mid to high single-digit loan growth and 2% to 3% deposit growth for the year. Additionally, they expect non-interest income growth to be in the 2% to 3% range and non-interest expense growth in the high single digits, with an effective tax rate of 16% to 17%.Strong Earnings Growth
Cullen/Frost earned $149.3 million or $2.3 a share in Q1 2025 compared with $134 million or $2.06 a share in the same quarter last year.
Record Consumer Loan Growth
Consumer loan balances grew by 20.5% year-over-year, marking the 11th consecutive quarter of 20% growth driven by consumer real estate lending.
Expansion Success
The expansion efforts generated $2.64 billion in deposits, $1.9 billion in loans, and 64,000 new households. Loans and households exceeded goals by 40% and 27%, respectively.
Improved Net Interest Margin
Net interest margin increased by seven basis points to 3.6% from 3.53% reported last quarter.
JD Power Recognition
JD Power named Frost number one in Texas for consumer banking satisfaction for the 16th year in a row.
Strong Commercial Loan Pipeline
CRE opportunities over $10 million showed the highest growth, with new loan commitments totaling $1.28 billion in Q1 2025, up 1.5% from the previous year.
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CFR Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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CFR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| May 01, 2025 | $116.47 | $120.34 | +3.32% |
| Jan 30, 2025 | $137.83 | $139.55 | +1.25% |
| Oct 31, 2024 | $128.70 | $125.62 | -2.39% |
| Jul 25, 2024 | $111.35 | $115.13 | +3.39% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Cullen/Frost Bankers (CFR) report earnings?
Cullen/Frost Bankers (CFR) is schdueled to report earning on Jul 24, 2025, TBA Not Confirmed.
What is Cullen/Frost Bankers (CFR) earnings time?
Cullen/Frost Bankers (CFR) earnings time is at Jul 24, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CFR EPS forecast?
CFR EPS forecast for the fiscal quarter 2025 (Q2) is 2.29.
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