Here's What Key Metrics Tell Us About Cullen/Frost (CFR) Q2 Earnings

Core Insights - Cullen/Frost Bankers (CFR) reported revenue of $567.83 million for the quarter ended June 2025, marking a year-over-year increase of 7.4% and exceeding the Zacks Consensus Estimate of $557.33 million by 1.88% [1] - The company's EPS for the same period was $2.39, up from $2.21 a year ago, and also surpassed the consensus EPS estimate of $2.28 by 4.82% [1] Financial Performance Metrics - Net loan charge-offs to average loans stood at 0.2%, matching the average estimate from four analysts [4] - Total earning assets averaged $47.66 billion, slightly below the four-analyst average estimate of $47.95 billion [4] - Net Interest Margin (FTE) was reported at 3.7%, aligning with the four-analyst average estimate [4] - Book value per common share at the end of the quarter was $63.04, slightly above the three-analyst average estimate of $62.96 [4] - Total Non-Performing Loans/Non-accrual loans were $62.39 million, significantly lower than the average estimate of $88.68 million from two analysts [4] - Total Non-Interest Income reached $117.27 million, exceeding the four-analyst average estimate of $116.73 million [4] - Net Interest Income (FTE) was reported at $450.56 million, above the four-analyst average estimate of $440.6 million [4] - Other charges, commissions, and fees totaled $13.97 million, surpassing the average estimate of $13.26 million from three analysts [4] - Insurance commissions and fees were $13.88 million, below the average estimate of $16.16 million from three analysts [4] - Trust and investment management fees amounted to $43.67 million, exceeding the average estimate of $41.43 million from three analysts [4] - Net Interest Income was reported at $429.6 million, above the three-analyst average estimate of $419.42 million [4] - Service charges on deposit accounts were $29.15 million, compared to the average estimate of $28.01 million from three analysts [4] Stock Performance - Shares of Cullen/Frost have returned -0.3% over the past month, while the Zacks S&P 500 composite has increased by 2.7% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]