Stocktoria

CULLEN/FROST BANKERS, INC. CFR

NYSE · stock · National Commercial Banks · website · IPO 1997-08-14 · LEI

CULLEN/FROST BANKERS, INC. financials (annual)

Revenue
$1.13B $1.20B $1.31B $1.37B $1.44B $1.37B $1.70B $1.99B $2.06B $2.24B 2016201720182019202020212022202320242025
Net income
$304.3M $364.1M $454.9M $443.6M $331.2M $443.1M $579.1M $598.0M $582.5M $648.6M 2016201720182019202020212022202320242025
Free cash flow
$384.2M $504.0M $483.1M $427.4M $428.8M $582.4M $620.1M $320.2M $861.8M $127.3M 2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue$2.2B$2.1B$2.0B$1.7B$1.4B$1.4B$1.4B$1.3B$1.2B$1.1B
Interest expense——$659.1M$184.4M$23.9M$45.0M$129.8M$93.3M$26.5M$12.1M
Income tax$123.1M$113.4M$114.4M$89.7M$46.5M$20.2M$55.9M$53.8M$44.2M$37.1M
Net income$648.6M$582.5M$598.0M$579.1M$443.1M$331.2M$443.6M$454.9M$364.1M$304.3M
EPS (diluted)$9.92$8.87$9.10$8.81$6.76$5.10$6.84$6.90$5.51$4.70
Operating cash flow$274.0M$989.5M$478.8M$722.6M$648.3M$524.2M$634.1M$562.4M$538.1M$437.8M
Free cash flow$127.3M$861.8M$320.2M$620.1M$582.4M$428.8M$427.4M$483.1M$504.0M$384.2M
Total assets$53.0B$52.5B$50.8B$52.9B$50.9B$42.4B$34.0B$32.3B$31.7B$30.2B
Total liabilities$48.5B$48.6B$47.1B$49.8B$46.4B$38.1B$30.1B$28.9B$28.5B$27.2B
Shareholders' equity$4.6B$3.9B$3.7B$3.1B$4.4B$4.3B$3.9B$3.4B$3.3B$3.0B

Growth · year-over-year · Revenue CAGR 7.9%

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue growth+8.3%+3.8%+17.2%+23.7%-4.8%+5.4%+4.5%+8.8%+6.8%+5.7%
Net income growth+11.3%-2.6%+3.3%+30.7%+33.8%-25.3%-2.5%+24.9%+19.7%+8.9%
EPS growth+11.8%-2.5%+3.3%+30.3%+32.5%-25.4%-0.9%+25.2%+17.2%+9.8%
Free cash flow growth-85.2%+169.1%-48.4%+6.5%+35.8%+0.3%-11.5%-4.1%+31.2%+55.1%

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.