Cullen/Frost Bank Reports Strong Q4 2025 Earnings Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 29 2026
0mins
Should l Buy CFR?
Source: seekingalpha
- Net Income Growth: Cullen/Frost Bank reported a net income of $164.6 million for Q4 2025, reflecting a 7.4% year-over-year increase, with earnings per share rising to $2.56, up 8.5%, indicating the effectiveness of its organic expansion strategy.
- Loan and Deposit Performance: By the end of 2025, expansion loans reached $2.37 billion, with over 78,000 new households added, and average loans and deposits increased to $21.7 billion and $43.3 billion respectively, showcasing the company's strong competitive position in the market.
- Share Repurchase Plan: The board approved a new $300 million share repurchase program following the completion of the previous $150 million plan, demonstrating the company's confidence in future growth and commitment to shareholders.
- Future Outlook: The company projects net interest income growth of 3% to 5% for 2026, with loan growth expected between 5% and 7%, and noninterest income anticipated to grow by 4% to 5%, reflecting management's optimistic view on market opportunities.
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Analyst Views on CFR
Wall Street analysts forecast CFR stock price to rise
10 Analyst Rating
4 Buy
4 Hold
2 Sell
Hold
Current: 133.700
Low
125.00
Averages
148.60
High
163.00
Current: 133.700
Low
125.00
Averages
148.60
High
163.00
About CFR
Cullen/Frost Bankers, Inc. is a financial holding company and a bank holding company. The Company provides an array of products and services throughout numerous Texas markets. The Company's segments include Banking and Frost Wealth Advisors. The Banking segment includes both commercial and consumer banking services and Frost Insurance Agency. Commercial banking services are provided to corporations and other business clients and include a wide array of lending and cash management products. Consumer banking services include direct lending and depository services. Frost Insurance Agency provides insurance brokerage services to individuals and businesses covering corporate and personal property and casualty products, as well as group health and life insurance products. The Frost Wealth Advisors segment includes fee-based services within private trust, retirement services, and financial management services, including personal wealth management and securities brokerage services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Shields' Background: Marsha M. Shields is the CEO of McCombs Enterprises, overseeing multiple core businesses, and her extensive management experience and educational background are expected to provide valuable perspectives for the bank's strategic decisions.
- Rummel's Credentials: Jeff Rummel served as the managing partner of Ernst & Young's San Antonio office, bringing over 37 years of auditing experience, particularly in the financial services sector, which will offer profound insights into the bank's risk management and compliance.
- Director Retirement: Current director Chris Avery will retire in April, having contributed to significant initiatives during his tenure, including the company's organic expansion and critical pandemic responses, with the board expressing gratitude for his service.
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- Positive Outlook for Luxury Stocks: Analysts remain optimistic about the recovery trajectory of luxury stocks, indicating a long-anticipated resurgence in demand.
See More
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- Customer Satisfaction Leader: Frost Bank has achieved the highest ranking in retail banking customer satisfaction in Texas for the 17th consecutive year, with an overall satisfaction index score of 757, which is 76 points above the Texas regional average, showcasing its exceptional customer service performance.
- Comprehensive Excellence: The bank ranked No. 1 in all eight dimensions of the study, including net promoter score, trust, staff service, account offerings, customer convenience, time and cost savings, complaint resolution, and digital channels, indicating high customer recognition across all aspects.
- Sustained Leadership: J.D. Power has surveyed Texas as a separate region, and Frost has topped the Texas list for 17 years, reflecting its enduring competitiveness and customer loyalty in the retail banking sector.
- Strong Asset Base: As of December 31, 2025, Frost Bank reported total assets of $53 billion, positioning itself among the top 50 U.S. banks, and providing a full range of banking, investment, and insurance services, further solidifying its market position.
See More
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- Price Fluctuation Analysis: KRE's stock has a 52-week low of $47.06 and a high of $74.08, with the latest trade at $62.85, indicating significant price volatility that may influence investor buying decisions.
- Technical Analysis Tool: Comparing the current stock price to the 200-day moving average can provide investors with valuable insights for technical analysis, aiding in market trend assessment and potential buy or sell timing.
- ETF Trading Mechanism: Exchange-traded funds (ETFs) trade similarly to stocks, where investors are buying and selling 'units' that can be created or destroyed based on investor demand, impacting liquidity and market performance.
- Inflows and Outflows Monitoring: Weekly monitoring of changes in shares outstanding for ETFs helps identify those experiencing notable inflows or outflows, where new unit creation necessitates purchasing underlying assets, while unit destruction involves selling them, potentially affecting individual stocks within the ETF.
See More
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- New Board Members: Cullen/Frost Bankers, Inc. has elected Marsha M. Shields and Jeff Rummel to its board, with Chairman and CEO Phil Green noting their business and policy experience will add significant value as the company expands.
- Shields' Background: Marsha M. Shields is the CEO of McCombs Enterprises, overseeing multiple core businesses and holding key positions at institutions like the Texas Biomedical Research Institute, showcasing her strong leadership capabilities and extensive management experience.
- Rummel's Credentials: Jeff Rummel served as the managing partner of Ernst & Young's San Antonio office, bringing over 37 years of auditing experience, particularly in assessing risks at complex financial institutions, which enhances the board's expertise.
- Retirement of Current Director: Current director Chris Avery will retire in April, having contributed to major initiatives during his tenure, including the company's organic expansion and pandemic response, with the board expressing gratitude for his service.
See More
Cullen/Frost Bank Elects Two New Directors
- New Board Members: Cullen/Frost Bankers, Inc. has elected Marsha M. Shields and Jeff Rummel to its board, aiming to leverage their business and policy expertise to drive company expansion and enhance board diversity and professionalism.
- Shields' Background: Marsha M. Shields is the CEO of McCombs Enterprises, overseeing multiple core businesses, and her extensive management experience and educational background are expected to provide valuable perspectives for the bank's strategic decisions.
- Rummel's Credentials: Jeff Rummel served as the managing partner of Ernst & Young's San Antonio office, bringing over 37 years of auditing experience, particularly in the financial services sector, which will offer profound insights into the bank's risk management and compliance.
- Director Retirement: Current director Chris Avery will retire in April, having contributed to significant initiatives during his tenure, including the company's organic expansion and critical pandemic responses, with the board expressing gratitude for his service.
See More
