CULLEN/FROST BANKERS, INC.(CFR)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
CULLEN/FROST BANKERS, INC. (CFR) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores CFR at 63.4/100 on a 32-signal composite quality model, placing it at rank #623 of 2,961 stocks — the top 25% of the AI-ranked universe. CFR scores in the top quartile across profitability (89.2), free cash flow (77.1), institutional flow (76.4). Areas of concern include earnings quality (37.4), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), CULLEN/FROST BANKERS, INC. reports quarterly revenue of $576.0M, net income of $172.1M, an operating margin of 35.5%. Top institutional holders of CFR by reported 13-F value include BlackRock, Aristotle Capital Management, STATE STREET, based on the most recent SEC filings. CFR trades on the NYSE exchange and files with the SEC under CIK 39263. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CFR daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CULLEN/FROST BANKERS, INC. directly from SEC EDGAR.
AI Quality Score
63.4/100
AI Rank
#623
Revenue
$576.0M
Net Income
$172.1M
Free Cash Flow
$-7.1M
Operating Margin
35.5%
CFR key financials by period
CULLEN/FROST BANKERS, INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$2.2B
$648.6M
34.5%
FY 2024
10-K
$2.1B
$582.5M
33.7%
FY 2023
10-K
$2.0B
$598.0M
35.9%
FY 2022
10-K
$1.7B
$579.1M
39.4%
FY 2021
10-K
$1.4B
$443.1M
35.7%
FY 2020
10-K
$1.4B
$331.2M
24.4%
Institutions holding CFR
Institutional investors reporting a position in CULLEN/FROST BANKERS, INC. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-30 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Cullen/Frost posted record Q2 2026 net income available to common shareholders of $170.4M ($2.70 diluted EPS, +9.7% YoY) as net interest margin expanded to 3.75%, even as non-accrual loans nearly doubled to $110.2M on one large construction credit.
Biggest Revenue Drivers
Banking$522.3M+5% YoY
Higher net interest income from loan and tax-exempt securities growth plus lower deposit/repo funding costs, and higher non-interest income including service charges and interchange fees
Frost Wealth Advisors$56.6M+5% YoY
Increase in trust and investment management fees from higher average equity valuations on managed accounts and growth in the number of accounts
Biggest Revenue Drivers
Total revenue: $576.0M+5% YoY
Banking$522.3M+5% YoY
Higher net interest income from loan and tax-exempt securities growth plus lower deposit/repo funding costs, and higher non-interest income including service charges and interchange fees
Within Banking
Net interest income$448.9M+4% YoY
Lower average costs of interest-bearing deposits and repurchase agreements plus higher average loan and tax-exempt securities volumes
Non-interest income$73.4M+12% YoY
Growth in service charges on deposit accounts, interchange fees, and insurance commissions
Frost Wealth Advisors$56.6M+5% YoY
Increase in trust and investment management fees from higher average equity valuations on managed accounts and growth in the number of accounts
Non-Banks-$2.9M
Parent holding company and intercompany eliminations, primarily net interest expense on long-term borrowings
Largest Expense Items
Salaries and wages$173.0M+6.7% YoY
Annual merit and market-based salary increases and growth in the number of employees, plus higher incentive and stock-based compensation
Other non-interest expense$69.5M-1.2% YoY
Decreases in sundry/miscellaneous expense, advertising, and business development, partly offset by a $2.1M increase in fraud losses related to deposits
Technology, furniture, and equipment$42.6M+4.9% YoY
Increases in cloud services, service contracts, and equipment rental expense
Net occupancy$35.2M+1.7% YoY
Higher depreciation on buildings and leasehold improvements, partly offset by lower building insurance and property tax expense
Margins: Taxable-equivalent net interest margin rose 8 basis points YoY to 3.75%, driven by lower average deposit and repurchase agreement funding costs and higher tax-exempt securities yields, partly offset by a 43bp decline in average loan yields as market rates fell.
Watch Items from the Filing
Non-accrual loans held for investment nearly doubled from $70.5M at Dec 31, 2025 to $110.2M at June 30, 2026, driven largely by one $53.9M construction-and-land credit relationship.
Energy loans (5.0% of total loans) and automobile dealership loans (4.7%) are the largest industry concentrations; energy unfunded commitments and standby letters of credit total $1.2B and $93.7M respectively.
Allowance for credit losses on loans fell to 1.23% of total loans (from 1.29% at year-end 2025) even as loans grew 5.0% to $23.0B, with credit loss expense down to $9.8M from $13.1M YoY.
Third-party vendor Sefas Innovation notified Frost Bank on April 22, 2026 of a cybersecurity incident likely involving customer data; company states no system disruption and no material impact expected currently.
Board authorized a new $300.0M stock repurchase program in January 2026; $160.0M (1.16M shares) repurchased during the first half of 2026 under the plan.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
