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Cullen/Frost Bankers, Inc.

CFR Finance Major Banks
$157.68
▲ +1.1% Today
as of Oct 22, 16:47 ET
Last 30 days -3.49% Sep 14 → Oct 22
$149.19 $153.00 $156.82 $160.63 $164.44 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$155.05
High
$158.32
Low
$155.53
Volume
$523,973
Avg Vol
$533,742
Mkt Cap
$9.3B
P/E (TTM)
19.33
Beta
—
52w High
$170.80
52w Low
$119.15
Div Yield
—
Shares Out
—

Recent Press Releases & News last 60 days · 11 items

Oct 22 · 13:00 Zacks
Cullen/Frost Bankers (CFR) Earnings Expected to Grow: Should You Buy?
Oct 14 · 19:00 StockStory
Why Cullen/Frost Bankers (CFR) Stock Is Trading Lower Today
Oct 14 · 15:10 Zacks
Will Cullen/Frost (CFR) Beat Estimates Again in Its Next Earnings Report?
▸ Show all 11 press releases & news Free account →

CFR earnings at a glance

Cullen/Frost Bankers, Inc. (CFR) is scheduled to report earnings on Thursday, October 29, 2026 — in 6 days. Analysts expect earnings per share of $2.78, compared with $2.67 in the same quarter last year (+4%). The options market is pricing a move of about ±4.6% after the report, a range of roughly $150.49 to $164.87 from today's $157.68. Over its last 6 reports the stock rose the next day 4 times and fell 2, moving ±2.7% on average; after the most recent report on Jul 30, 2026 it moved -2.1%. That means options currently expect more movement than CFR has typically delivered. CFR beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 39%. The share price of $157.68 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$119
$171
75% of range
Avg surprise (last 6)
+6.9%
Avg reaction (last 6)
+0.4%
67% positive
Latest IV / EM
39%
EM ±4.6% · $150 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$2.06$2.22$2.38$2.54$2.70 Actual $2.70Actual $2.47Actual $2.38Actual $2.06Actual $2.21Actual $2.24Actual $2.30Est $2.17Actual $2.39Est $2.28Actual $2.67Est $2.38Actual $2.57Est $2.47Actual $2.65Est $2.46Actual $2.70Est $2.53 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$151M$302M$454M$605M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 30, 2026Jun/2026 $2.70 $2.53 +6.7% +5.9% -2.1% earnings
Thu Apr 30, 20268K 2026-04-30 $2.65 $2.46 +7.7% — +1.5% earnings
Thu Jan 29, 20268K 2026-01-29 $2.57 $2.47 +4.0% — +2.6% earnings
Thu Oct 30, 2025Sep/2025 $2.67 $2.38 +12.2% — +1.7% earnings
Thu Jul 31, 2025Jun/2025 $2.39 $2.28 +4.8% — -4.9% earnings
Thu May 1, 2025Mar/2025 $2.30 $2.17 +6.0% — +3.3% earnings
Mon Sep 30, 2024Sep 2024 $2.24 — — — — financials
Sun Jun 30, 2024Jun 2024 $2.21 — — — — financials
Sun Mar 31, 2024Mar 2024 $2.06 — — — — financials
Sat Sep 30, 2023Sep 2023 $2.38 — — — — financials
Fri Jun 30, 2023Jun 2023 $2.47 — — — — financials
Fri Mar 31, 2023Mar 2023 $2.70 — — — — financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Thu Oct 29, 2026Sep/2026OTHER $2.78$2.67 +4.1%

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$576M$575M—$567M$547M$540M—$518M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$172M$171M—$174M$157M$151M—$147M
EPS (diluted)$2.70$2.65—$2.67$2.39$2.30—$2.24

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$53.88B$52.72B$53.04B$52.53B$51.41B$52.00B$52.52B$51.01B
Long-term debt————————
Total liabilities$49.26B$48.19B$48.47B$48.07B$47.21B$47.89B$48.62B$46.87B
Total equity$4.62B$4.53B$4.57B$4.46B$4.20B$4.11B$3.90B$4.14B

Implied volatility — last 90 days

17%29%40%52%64% Jun 07 — IV 28% · EM ±3.9%Jun 08 — IV 29% · EM ±3.9%Jun 09 — IV 27% · EM ±3.3%Jun 10 — IV 31% · EM ±3.6%Jun 11 — IV 27% · EM ±2.9%Jun 12 — IV 29% · EM ±3.0%Jun 15 — IV 37% · EM ±2.7%Jun 16 — IV 57% · EM ±3.3%Jun 17 — IV 53% · EM ±2.2%Jun 19 — IV 24% · EM ±5.3%Jun 22 — IV 22% · EM ±4.7%Jun 23 — IV 22% · EM ±4.5%Jun 24 — IV 23% · EM ±4.7%Jun 25 — IV 20% · EM ±3.9%Jun 26 — IV 19% · EM ±3.7%Jun 29 — IV 18% · EM ±3.2%Jun 30 — IV 17% · EM ±2.9%Jul 01 — IV 19% · EM ±3.2%Jul 02 — IV 19% · EM ±3.0%Jul 03 — IV 19% · EM ±3.0%Jul 06 — IV 21% · EM ±2.9%Jul 07 — IV 22% · EM ±2.9%Jul 08 — IV 22% · EM ±2.7%Jul 09 — IV 22% · EM ±2.5%Jul 10 — IV 23% · EM ±2.5%Jul 13 — IV 31% · EM ±2.6%Jul 14 — IV 31% · EM ±2.2%Jul 15 — IV 38% · EM ±2.2%Jul 16 — IV 65% · EM ±2.7%Jul 20 — IV 27% · EM ±6.4%Jul 21 — IV 28% · EM ±6.5%Jul 22 — IV 26% · EM ±6.0%Jul 23 — IV 31% · EM ±7.0%Jul 24 — IV 27% · EM ±6.0%Jul 27 — IV 28% · EM ±5.8%Jul 28 — IV 30% · EM ±6.2%Jul 29 — IV 30% · EM ±5.9%Jul 30 — IV 25% · EM ±4.9%Jul 31 — IV 23% · EM ±4.3%Aug 03 — IV 25% · EM ±4.5%Aug 04 — IV 24% · EM ±4.1%Aug 05 — IV 25% · EM ±4.2%Aug 06 — IV 22% · EM ±3.5%Aug 07 — IV 22% · EM ±3.4%Aug 10 — IV 28% · EM ±3.9%Aug 11 — IV 26% · EM ±3.5%Aug 12 — IV 25% · EM ±3.1%Aug 13 — IV 21% · EM ±2.4%Aug 14 — IV 18% · EM ±2.0%Aug 17 — IV 23% · EM ±1.9%Aug 18 — IV 38% · EM ±2.7%Aug 19 — IV 35% · EM ±2.1%Aug 20 — IV 39% · EM ±1.6%Aug 24 — IV 18% · EM ±3.8%Aug 25 — IV 21% · EM ±4.3%Aug 26 — IV 21% · EM ±4.3%Aug 27 — IV 23% · EM ±4.4%Aug 28 — IV 21% · EM ±3.9%Aug 31 — IV 19% · EM ±3.5%Sep 01 — IV 21% · EM ±3.5%Sep 02 — IV 21% · EM ±3.4%Sep 03 — IV 22% · EM ±3.5%Sep 04 — IV 23% · EM ±3.6%Sep 07 — IV 26% · EM ±3.6%Sep 08 — IV 26% · EM ±3.4%Sep 09 — IV 29% · EM ±3.6%Sep 10 — IV 29% · EM ±3.4%Sep 11 — IV 33% · EM ±3.7%Sep 14 — IV 27% · EM ±2.3%Sep 15 — IV 34% · EM ±2.4%Sep 16 — IV 42% · EM ±2.5%Sep 17 — IV 49% · EM ±2.0%Sep 21 — IV 22% · EM ±4.6%Sep 22 — IV 23% · EM ±4.7%Sep 23 — IV 22% · EM ±4.4%Sep 24 — IV 23% · EM ±4.5%Sep 25 — IV 24% · EM ±4.6%Sep 28 — IV 25% · EM ±4.4%Sep 29 — IV 26% · EM ±4.5%Sep 30 — IV 22% · EM ±3.7%Oct 01 — IV 28% · EM ±4.6%Oct 02 — IV 22% · EM ±3.5%Oct 06 — IV 23% · EM ±3.0%Oct 07 — IV 19% · EM ±2.4%Oct 08 — IV 39% · EM ±4.6%

Sector peers

ONB
Old National Bancorp
$9.3B $25.16-0.7%
SSB
SouthState Bank Corporation
$9.6B $105.22+2.5%
WTFC
Wintrust Financial Corporation
$9.6B $149.75+2.4%
ZION
Zions Bancorporation N.A.
$9.0B $66.39+2.8%
UMBF
UMB Financial Corporation
$9.7B $136.16+2.3%
WAL
Western Alliance Bancorporation
$8.1B $76.67+1.8%

CFR earnings FAQ

When is CFR's next earnings date?

Cullen/Frost Bankers, Inc. is expected to report on October 29, 2026.

What is CFR's expected move for earnings?

Options currently price a move of about ±4.6%, or $7.19 per share either way from $157.68.

How does CFR stock usually react to earnings?

Across the last 6 reports the average next-day move was ±2.7%, up 4 times and down 2 times.

What EPS are analysts expecting from Cullen/Frost Bankers, Inc.?

The consensus estimate is $2.78 per share, versus $2.67 a year ago.

What is CFR's implied volatility?

CFR's at-the-money implied volatility is about 39% based on the latest options snapshot.

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