Cullen/Frost posts higher Q4 net income, announces buyback
Overview
U.S. bank's Q4 net income rose 7.4% yr/yr
Company announced $300 mln share repurchase program
Average loans and deposits increased yr/yr
Outlook
Cullen/Frost authorizes $300 mln stock repurchase program for 2026
Company continues executing strategic growth initiatives entering 2026
Cullen/Frost focuses on organic growth strategy to fuel future expansion
Result Drivers
NET INTEREST INCOME - Increased by 8.6% in Q4 2025, driven by higher average loan balances and improved net interest margin
ORGANIC GROWTH - Opened 10 new financial centers in 2025, contributing to growth in loans and deposits
NON-INTEREST INCOME - Increased due to higher service charges and investment management fees
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $2.56 |
|
Q4 Net Income |
| $166.25 mln |
|
Q4 Net Interest Income |
| $448.71 mln |
|
Q4 Basic EPS |
| $2.56 |
|
Q4 Pretax Profit |
| $197.98 mln |
|
Analyst Coverage
The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 6 "strong buy" or "buy", 6 "hold" and 3 "sell" or "strong sell"
The average consensus recommendation for the banks peer group is "buy."
Wall Street's median 12-month price target for Cullen/Frost Bankers Inc is $140.00, about 3.6% above its January 28 closing price of $135.19
The stock recently traded at 14 times the next 12-month earnings vs. a P/E of 13 three months ago
Press Release: ID:nPn4MLpcka
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