Cullen/Frost Bankers(CFR) ZACKS·2025-05-01 16:00Core Insights - Cullen/Frost Bankers (CFR) reported revenue of $560.42 million for Q1 2025, a year-over-year increase of 7.2% and exceeding the Zacks Consensus Estimate of $550.38 million by 1.82% [1] - The earnings per share (EPS) for the same quarter was $2.30, up from $2.15 a year ago, and also surpassed the consensus EPS estimate of $2.17 by 5.99% [1] Financial Metrics - Net loan charge-offs to average loans were 0.2%, better than the estimated 0.3% [4] - Total earning assets averaged $47.42 billion, slightly below the average estimate of $47.91 billion [4] - Net Interest Margin (FTE) was reported at 3.6%, matching the three-analyst average estimate [4] - Total Non-Performing Loans were $83.53 million, higher than the average estimate of $79.87 million [4] - Book value per common share at the end of the quarter was $61.74, exceeding the estimated $60.28 [4] - Total Non-Interest Income reached $124.01 million, surpassing the average estimate of $117.23 million [4] - Net Interest Income (FTE) was $436.40 million, slightly above the average estimate of $433.15 million [4] - Service charges on deposit accounts totaled $28.62 million, exceeding the estimated $26.79 million [4] - Net Interest Income was reported at $416.22 million, below the average estimate of $417.56 million [4] - Insurance commissions and fees were $21.02 million, higher than the estimated $18.29 million [4] - Trust and investment management fees reached $42.93 million, exceeding the average estimate of $41.20 million [4] - Other charges, commissions, and fees totaled $13.59 million, slightly above the estimated $13.38 million [4] Stock Performance - Shares of Cullen/Frost have returned -6.6% over the past month, compared to the Zacks S&P 500 composite's -0.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]