CFR Cullen/Frost Bankers Earnings and EPS analysis

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Relative Growth: Rel. Growth: 88
Relative Strength: Rel. Strength: 41
Relative Valuation: Rel. Valuation: 84
Relative Profitability: Rel. Profitability: 90

EPS in 2025 (TTM): $9.72

Last Report Period Date: Sep 30, 2025

Based on the company's latest reports for September 2025, the current 12-month EPS is $9.72. Cullen/Frost Bankers's earnings per share in 2024 was reported at $8.88, marking a decline from $9.11 in 2023. In the quarterly report ending on Sep 30, 2025, CFR's earnings per share amounted to $2.67.

CFR earnings history

Historical annual and quarterly earnings per share (EPS) data for Cullen/Frost Bankers
EPS (TTM)
$9.72
EPS Growth YoY (Quarterly)
19.2%
EPS (Quarterly)
$2.67
EPS Growth (Quarterly)
11.7%

Cullen/Frost Bankers had an yealy earnings per share of $8.88, showing a decline of 2.5% from $9.11 recorded in 2023. The quarterly earnings per share for the period ending Sep 30, 2025, was $2.67, showing a 19.2% increase compared to the same quarter last year. The trailing twelve months EPS for CFR is $9.72 as of September 2025. Cullen/Frost Bankers's full-year EPS for 2023 was $9.11, a 3.1% rise compared to the previous year.

CFR EPS growth

Earnings per share growth rates over time
EPS Growth YoY (Quarterly)
19.2%
EPS growth YoY
-2.5%
EPS growth 3Y avg
9.4%
EPS growth 5Y avg
5.2%

Cullen/Frost Bankers has recorded a growth in earnings per share of 19.2% in the past 12 months (YoY, quarterly). Across the past three years, the company had an average EPS annual growth rate of 9.4% per year. Cullen/Frost Bankers had an average annual EPS growth of 5.2% in the last five years. When assessed over a ten-year period, CFR's average EPS annual growth was 7.5%.

CFR Earnings Waterfall

Breakdown of revenue, profit and net income for Cullen/Frost Bankers

CFR Earnings vs Peers

What are the earnings of CFR compared to its peers
Stock name Price to Earnings EPS grwoth 1Y EPS grwoth 3Y EPS grwoth 5Y
IBOC International Bancshares Corp 10.37 -0.8% 17.9% 16%
PB Prosperity Bancshares Inc 12.13 12% -3.4% 2.2%
SBSI Southside Bancshares Inc 12.48 3.5% -5.7% 5.7%
BOKF Bok Financial Corp 12.75 1.5% -3.1% 3%
CFR Cullen/Frost Bankers Inc 12.77 -2.5% 9.4% 5.2%
TCBI Texas Capital Bancshares Inc 13.83 -64% -34.8% -26.5%
FFIN First Financial Bankshares Inc 18.15 12.2% -0.8% 5%

All data is based on quarterly TTM periods, unless otherwise specified.