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Cullen/Frost (CFR) Reports Q2 Earnings: What Key Metrics Have to Say
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For the quarter ended June 2026, Cullen/Frost Bankers (CFR - Free Report) reported revenue of $598.35 million, up 5.4% over the same period last year. EPS came in at $2.70, compared to $2.39 in the year-ago quarter.
The reported revenue represents a surprise of +0.71% over the Zacks Consensus Estimate of $594.16 million. With the consensus EPS estimate being $2.53, the EPS surprise was +6.72%.
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 charge-offs annualized as a percentage of average loans: 0.2% compared to the 0.2% average estimate based on three analysts.
Total earning assets and average rate earned - Average balance: $49.08 billion versus $49.17 billion estimated by three analysts on average.
Net Interest Margin (FTE): 3.8% versus the three-analyst average estimate of 3.8%.
Non-accrual loans: $112.72 million versus the two-analyst average estimate of $69.78 million.
Book value per common share at end of quarter: $72.04 versus $71.60 estimated by two analysts on average.
Total Non-Interest Income: $128.28 million versus $127.35 million estimated by three analysts on average.
Net Interest Income (FTE): $470.07 million versus $466.81 million estimated by three analysts on average.
Service charges on deposit accounts: $34.18 million versus the two-analyst average estimate of $32.23 million.
Net Interest Income: $447.73 million versus the two-analyst average estimate of $445.11 million.
Insurance commissions and fees: $14.17 million versus $15.14 million estimated by two analysts on average.
Trust and investment management fees: $47.64 million compared to the $46.15 million average estimate based on two analysts.
Other charges, commissions and fees: $13.79 million versus the two-analyst average estimate of $14.03 million.
Shares of Cullen/Frost have returned +7.2% over the past month versus the Zacks S&P 500 composite's -1.5% 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.
View the Zacks #1 Rank List
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Cullen/Frost (CFR) Reports Q2 Earnings: What Key Metrics Have to Say
For the quarter ended June 2026, Cullen/Frost Bankers (CFR - Free Report) reported revenue of $598.35 million, up 5.4% over the same period last year. EPS came in at $2.70, compared to $2.39 in the year-ago quarter.
The reported revenue represents a surprise of +0.71% over the Zacks Consensus Estimate of $594.16 million. With the consensus EPS estimate being $2.53, the EPS surprise was +6.72%.
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:View all Key Company Metrics for Cullen/Frost here>>>
Shares of Cullen/Frost have returned +7.2% over the past month versus the Zacks S&P 500 composite's -1.5% 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.