Seeking Clues to Cullen/Frost (CFR) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics

Core Viewpoint - Analysts forecast Cullen/Frost Bankers (CFR) to report quarterly earnings of $2.47 per share, reflecting a year-over-year increase of 4.7%, with revenues expected to reach $585.8 million, a 5.3% increase compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate has remained unchanged over the last 30 days, indicating a collective reevaluation by analysts [2]. - Revisions to earnings estimates are crucial for predicting investor actions, as empirical research shows a strong correlation between earnings estimate trends and short-term stock performance [3]. Key Financial Metrics - Total earning assets and average rate earned are projected to reach $49.42 billion, up from $47.58 billion a year ago [5]. - Net Interest Margin (FTE) is estimated at 3.7%, compared to 3.5% in the same quarter last year [5]. - Total Non-Performing Loans/Non-accrual loans are expected to be $56.86 million, down from $78.87 million a year ago [6]. - Book value per common share at the end of the quarter is estimated at $69.50, up from $58.46 in the same quarter last year [6]. Income Projections - Total Non-Interest Income is projected to reach $123.85 million, slightly up from $122.82 million a year ago [7]. - Net Interest Income (FTE) is expected to be $461.96 million, compared to $433.73 million in the previous year [7]. - Service charges on deposit accounts are forecasted at $29.74 million, up from $27.91 million last year [8]. - Net Interest Income is estimated to be $435.51 million, compared to $413.52 million in the same quarter last year [8]. - Insurance commissions and fees are expected to be $14.91 million, up from $14.22 million a year ago [9]. - Trust and investment management fees are projected at $45.05 million, compared to $43.77 million last year [9]. - Other charges, commissions, and fees are estimated to reach $14.64 million, down from $15.21 million in the same quarter last year [10]. Stock Performance - Cullen/Frost shares have increased by 5.9% in the past month, outperforming the Zacks S&P 500 composite, which saw a 0.4% increase [10].