CFR · Cullen/Frost Bankers, Inc.
$164.77
+0.01 (+0.01%)
At close · Aug 7
Market Cap
$10.24B
Shares
62.15M
Cullen/Frost Bankers, Inc. Earnings Call Transcripts
Every quarterly earnings call for Cullen/Frost Bankers, Inc. (CFR) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲34.2%
$455.37M
$169.76M
'22 Q3
22-10-27
▲44.1%
$504.14M
$191.17M
'22 Q4
23-01-26
▲44.1%
$505.08M
$177.65M
'23 Q1
23-04-27
▲26.6%
$488.79M
$162.12M
'23 Q2
23-07-27
▲7.9%
$491.42M
$155.65M
'23 Q3
23-10-26
▼0.4%
$501.90M
$102.55M
'23 Q4
24-01-25
▼0.7%
$501.43M
$135.69M
'24 Q1
24-04-25
▲3.9%
$507.90M
$145.50M
'24 Q2
24-07-25
▲5.4%
$518.04M
$146.50M
'24 Q3
24-10-31
▲6.9%
$536.34M
$154.85M
'24 Q4
25-01-30
▲7.7%
$540.23M
$150.92M
'25 Q1
25-05-01
▲7.7%
$546.88M
$157.00M
'25 Q2
25-07-31
▲9.5%
$567.26M
$174.38M
'25 Q3
25-10-30
▲8.3%
$580.87M
$166.25M
'25 Q4
26-01-29
▲6.4%
$574.84M
$170.99M
'26 Q1
26-04-30
LATEST
▲5.3%
$576.01M
$172.06M
'26 Q2
26-07-30
Earnings call
FY26 · Q2
2026-07-30
Second Quarter Earnings Conference Call
Confident tone
Commercial loan growth and pipeline
Organic growth and consumer banking
Net interest margin and investment portfolio
Revenue
$576.01M
▲ 5.3% YoY Diluted EPS
$2.70
▲ 13% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-04-30
Cullen/Frost Bankers, Inc. Q1 FY2026 Earnings Call
Confident tone
Branch Expansion
Investment Portfolio
Commercial Lending
Revenue
$574.84M
▲ 6.4% YoY Diluted EPS
$2.65
▲ 15.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-29
Cullen/Frost Bankers, Inc. Q4 FY2025 Earnings Call
Positive tone
Branch expansion and new locations
Net interest margin and rate environment
Loan growth and commercial lending
Revenue
$580.87M*
▲ 8.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-30
Cullen/Frost Bankers, Inc. Q3 FY2025 Earnings Call
Confident tone
Geographic expansion and branch growth
Expense management and operating leverage
Deposit and loan growth
Revenue
$567.26M
▲ 9.5% YoY Diluted EPS
$2.67
▲ 19.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-31
Cullen/Frost Bankers, Inc. Q2 FY2025 Earnings Call
Confident tone
Branch expansion strategy
Net interest margin
Non-interest income outlook
Revenue
$546.88M
▲ 7.7% YoY Diluted EPS
$2.39
▲ 8.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-05-01
Cullen/Frost Bankers, Inc. Q1 FY2025 Earnings Call
Confident tone
Commercial loan growth and pipeline
Organic expansion / financial center growth
Mortgage business build-out
Revenue
$540.23M
▲ 7.7% YoY Diluted EPS
$2.30
▲ 11.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-30
Cullen/Frost Bankers, Inc. Q4 FY2024 Earnings Call
Confident tone
Organic expansion and branch growth
Net interest margin
Commercial loan growth
Revenue
$536.34M*
▲ 6.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-31
Cullen/Frost Bankers, Inc. Q3 FY2024 Earnings Call
Positive tone
Commercial Lending
Organic Growth and Market Expansion
Deposits and Funding
Revenue
$518.04M
▲ 5.4% YoY Diluted EPS
$2.24
▼ 5.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-25
Cullen/Frost Bankers, Inc. Q2 FY2024 Earnings Call
Confident tone
Commercial Loan and Deposit Growth
Leadership Transition / CFO Retirement
Credit Quality
Revenue
$507.90M
▲ 3.9% YoY Diluted EPS
$2.21
▼ 10.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-25
Cullen/Frost Bankers, Inc. Q1 FY2024 Earnings Call
Positive tone
Deposit trends and pricing pressure
Commercial real estate / office portfolio
Credit quality and problem loans
Revenue
$501.43M
▼ 0.7% YoY Diluted EPS
$2.06
▼ 23.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-25
Cullen/Frost Bankers, Inc. Q4 FY2023 Earnings Call
Positive tone
Deposit and loan growth
Organic growth and expansion
Commercial real estate / office portfolio
Revenue
$501.90M*
▼ 0.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-26
Cullen/Frost Bankers, Inc. Q3 FY2023 Earnings Call
Revenue
$491.42M
▲ 7.9% YoY Diluted EPS
$2.38
▼ 8.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-27
Cullen/Frost Bankers, Inc. Q2 FY2023 Earnings Call
Revenue
$488.79M
▲ 26.6% YoY Diluted EPS
$2.47
▲ 36.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
Cullen/Frost Bankers, Inc. Q1 FY2023 Earnings Call
Revenue
$505.08M
▲ 44.1% YoY Diluted EPS
$2.70
▲ 80% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-26
Cullen/Frost Bankers, Inc. Q4 FY2022 Earnings Call
Revenue
$504.14M*
▲ 44.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Cullen/Frost Bankers, Inc. Q3 FY2022 Earnings Call
Revenue
$455.37M
▲ 34.2% YoY Diluted EPS
$2.59
▲ 57% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-28
Cullen/Frost Bankers, Inc. Q2 FY2022 Earnings Call
Revenue
$386.13M
▲ 10.8% YoY Diluted EPS
$1.81
▲ 0.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-28
Cullen/Frost Bankers, Inc. Q1 FY2022 Earnings Call
Revenue
$350.46M
▲ 4.9% YoY Diluted EPS
$1.50
▼ 15.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-27
Cullen/Frost Bankers, Inc. Q4 FY2021 Earnings Call
Revenue
$349.76M*
▲ 4.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-28
Cullen/Frost Bankers, Inc. Q3 FY2021 Earnings Call
Revenue
$339.31M
▲ 3.8% YoY Diluted EPS
$1.65
▲ 10% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-29
Cullen/Frost Bankers, Inc. Q2 FY2021 Earnings Call
Revenue
$348.40M
▲ 7.7% YoY Diluted EPS
$1.80
▲ 22.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-29
Cullen/Frost Bankers, Inc. Q1 FY2021 Earnings Call
Revenue
$334.12M
▼ 27% YoY Diluted EPS
$1.77
▲ 136% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-28
Cullen/Frost Bankers, Inc. Q4 FY2020 Earnings Call
Revenue
$333.58M*
▼ 3.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-29
Cullen/Frost Bankers, Inc. Q3 FY2020 Earnings Call
Revenue
$327.02M
▼ 4.4% YoY Diluted EPS
$1.50
▼ 13.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-30
Cullen/Frost Bankers, Inc. Q2 FY2020 Earnings Call
Revenue
$323.41M
▼ 3.8% YoY Diluted EPS
$1.47
▼ 14.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-30
Cullen/Frost Bankers, Inc. Q1 FY2020 Earnings Call
Revenue
$457.44M
▲ 33.3% YoY Diluted EPS
$0.75
▼ 58.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-30
Cullen/Frost Bankers, Inc. Q4 FY2019 Earnings Call
Revenue
$346.35M*
▲ 3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–27 of 27 earnings calls
Key facts
CIK
39263
CUSIP
229899109
13F (30d)
257 filings
251 filers
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