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Cullen/Frost (CFR) Reports Q3 Earnings: What Key Metrics Have to Say
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For the quarter ended September 2026, Cullen/Frost Bankers (CFR - Free Report) reported revenue of $634.24 million, up 7.6% over the same period last year. EPS came in at $2.94, compared to $2.67 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $616.74 million, representing a surprise of +2.84%. The company delivered an EPS surprise of +5.38%, with the consensus EPS estimate being $2.79.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 0.1% versus 0.2% estimated by five analysts on average.
Net Interest Margin (FTE): 3.8% versus the five-analyst average estimate of 3.8%.
Total earning assets and average rate earned - Average balance: $50.45 billion versus the five-analyst average estimate of $50.33 billion.
Book value per common share at end of quarter: $61.70 compared to the $72.50 average estimate based on four analysts.
Tier 1 Risk-based Capital Ratio: 14.2% compared to the 14.3% average estimate based on two analysts.
Total Risk-based Capital Ratio: 15.5% compared to the 15.6% average estimate based on two analysts.
Leverage Ratio: 9% compared to the 9.2% average estimate based on two analysts.
Total Non-Interest Income: $135.96 million compared to the $133.44 million average estimate based on five analysts.
Net Interest Income (FTE): $490.77 million versus $483.3 million estimated by five analysts on average.
Other charges, commissions and fees: $13.91 million versus the four-analyst average estimate of $14.71 million.
Net Interest Income: $467.87 million compared to the $461.1 million average estimate based on four analysts.
Service charges on deposit accounts: $36.3 million versus the four-analyst average estimate of $34.89 million.
Shares of Cullen/Frost have returned +2.8% over the past month versus the Zacks S&P 500 composite's +0.9% 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 Q3 Earnings: What Key Metrics Have to Say
For the quarter ended September 2026, Cullen/Frost Bankers (CFR - Free Report) reported revenue of $634.24 million, up 7.6% over the same period last year. EPS came in at $2.94, compared to $2.67 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $616.74 million, representing a surprise of +2.84%. The company delivered an EPS surprise of +5.38%, with the consensus EPS estimate being $2.79.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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 +2.8% over the past month versus the Zacks S&P 500 composite's +0.9% 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.