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Compared to Estimates, Cullen/Frost (CFR) Q1 Earnings: A Look at Key Metrics
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Cullen/Frost Bankers (CFR - Free Report) reported $560.42 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 7.2%. EPS of $2.30 for the same period compares to $2.15 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $550.38 million, representing a surprise of +1.82%. The company delivered an EPS surprise of +5.99%, with the consensus EPS estimate being $2.17.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Cullen/Frost performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net loan charge-offs to average loans: 0.2% versus 0.3% estimated by three analysts on average.
Total earning assets and average rate earned - Average balance: $47.42 billion compared to the $47.91 billion average estimate based on three analysts.
Net Interest Margin (FTE): 3.6% versus the three-analyst average estimate of 3.6%.
Total Non-Performing Loans/ Non-accrual loans: $83.53 million compared to the $79.87 million average estimate based on two analysts.
Book value per common share at end of quarter: $61.74 versus $60.28 estimated by two analysts on average.
Total Non-Interest Income: $124.01 million versus the three-analyst average estimate of $117.23 million.
Net Interest Income (FTE): $436.40 million versus the three-analyst average estimate of $433.15 million.
Service charges on deposit accounts: $28.62 million versus $26.79 million estimated by two analysts on average.
Net Interest Income: $416.22 million compared to the $417.56 million average estimate based on two analysts.
Insurance commissions and fees: $21.02 million compared to the $18.29 million average estimate based on two analysts.
Trust and investment management fees: $42.93 million compared to the $41.20 million average estimate based on two analysts.
Other charges, commissions and fees: $13.59 million versus $13.38 million estimated by two analysts on average.
Shares of Cullen/Frost have returned -6.6% over the past month versus the Zacks S&P 500 composite's -0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Compared to Estimates, Cullen/Frost (CFR) Q1 Earnings: A Look at Key Metrics
Cullen/Frost Bankers (CFR - Free Report) reported $560.42 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 7.2%. EPS of $2.30 for the same period compares to $2.15 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $550.38 million, representing a surprise of +1.82%. The company delivered an EPS surprise of +5.99%, with the consensus EPS estimate being $2.17.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Cullen/Frost performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net loan charge-offs to average loans: 0.2% versus 0.3% estimated by three analysts on average.
- Total earning assets and average rate earned - Average balance: $47.42 billion compared to the $47.91 billion average estimate based on three analysts.
- Net Interest Margin (FTE): 3.6% versus the three-analyst average estimate of 3.6%.
- Total Non-Performing Loans/ Non-accrual loans: $83.53 million compared to the $79.87 million average estimate based on two analysts.
- Book value per common share at end of quarter: $61.74 versus $60.28 estimated by two analysts on average.
- Total Non-Interest Income: $124.01 million versus the three-analyst average estimate of $117.23 million.
- Net Interest Income (FTE): $436.40 million versus the three-analyst average estimate of $433.15 million.
- Service charges on deposit accounts: $28.62 million versus $26.79 million estimated by two analysts on average.
- Net Interest Income: $416.22 million compared to the $417.56 million average estimate based on two analysts.
- Insurance commissions and fees: $21.02 million compared to the $18.29 million average estimate based on two analysts.
- Trust and investment management fees: $42.93 million compared to the $41.20 million average estimate based on two analysts.
- Other charges, commissions and fees: $13.59 million versus $13.38 million estimated by two analysts on average.
View all Key Company Metrics for Cullen/Frost here>>>Shares of Cullen/Frost have returned -6.6% over the past month versus the Zacks S&P 500 composite's -0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.