CFR to Release Q4 2025 Earnings on January 29, 2026
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 07 2026
0mins
Should l Buy CFR?
Source: PRnewswire
- Earnings Release Schedule: Cullen/Frost Bankers, Inc. will host a conference call on January 29, 2026, to discuss its Q4 2025 earnings, with the earnings release available at approximately 8:00 a.m. CT, ensuring timely access to critical financial information for investors.
- Meeting Hosts: The call will be led by Chairman and CEO Phil Green, Group Executive Vice President and CFO Dan Geddes, and Senior Vice President and Director of Investor Relations A.B. Mendez, providing analysts with comprehensive financial insights and leadership perspectives.
- Interactive Q&A Session: Following the prepared remarks, a Q&A session will allow the analyst community to engage directly with management, enhancing transparency and fostering trust in the company's communications.
- Webcast and Replay Availability: The meeting will be accessible via live webcast, with a replay available after 5:00 p.m. CT, further improving information accessibility and supporting investor relations efforts.
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Analyst Views on CFR
Wall Street analysts forecast CFR stock price to rise
10 Analyst Rating
4 Buy
4 Hold
2 Sell
Hold
Current: 144.110
Low
125.00
Averages
148.60
High
163.00
Current: 144.110
Low
125.00
Averages
148.60
High
163.00
About CFR
Cullen/Frost Bankers, Inc. is a financial holding company and a bank holding company. The Company provides an array of products and services throughout numerous Texas markets. The Company's segments include Banking and Frost Wealth Advisors. The Banking segment includes both commercial and consumer banking services and Frost Insurance Agency. Commercial banking services are provided to corporations and other business clients and include a wide array of lending and cash management products. Consumer banking services include direct lending and depository services. Frost Insurance Agency provides insurance brokerage services to individuals and businesses covering corporate and personal property and casualty products, as well as group health and life insurance products. The Frost Wealth Advisors segment includes fee-based services within private trust, retirement services, and financial management services, including personal wealth management and securities brokerage services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- New Board Members: Cullen/Frost Bankers, Inc. has elected Marsha M. Shields and Jeff Rummel to its board, with Chairman and CEO Phil Green noting their business and policy experience will add significant value as the company expands.
- Shields' Background: Marsha M. Shields is the CEO of McCombs Enterprises, overseeing multiple core businesses and holding key positions at institutions like the Texas Biomedical Research Institute, showcasing her strong leadership capabilities and extensive management experience.
- Rummel's Credentials: Jeff Rummel served as the managing partner of Ernst & Young's San Antonio office, bringing over 37 years of auditing experience, particularly in assessing risks at complex financial institutions, which enhances the board's expertise.
- Retirement of Current Director: Current director Chris Avery will retire in April, having contributed to major initiatives during his tenure, including the company's organic expansion and pandemic response, with the board expressing gratitude for his service.
See More
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- New Board Members: Cullen/Frost Bankers, Inc. has elected Marsha M. Shields and Jeff Rummel to its board, aiming to leverage their business and policy expertise to drive company expansion and enhance board diversity and professionalism.
- Shields' Background: Marsha M. Shields is the CEO of McCombs Enterprises, overseeing multiple core businesses, and her extensive management experience and educational background are expected to provide valuable perspectives for the bank's strategic decisions.
- Rummel's Credentials: Jeff Rummel served as the managing partner of Ernst & Young's San Antonio office, bringing over 37 years of auditing experience, particularly in the financial services sector, which will offer profound insights into the bank's risk management and compliance.
- Director Retirement: Current director Chris Avery will retire in April, having contributed to significant initiatives during his tenure, including the company's organic expansion and critical pandemic responses, with the board expressing gratitude for his service.
See More
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- New Board Members: Cullen/Frost Bankers has elected Marsha M. Shields and Jeff Rummel to the board, enhancing the board's expertise and experience to support the company's expansion strategy.
- Shields' Background: As CEO of McCombs Enterprises, Shields oversees multiple core businesses and brings extensive business and policy experience, which is expected to provide new perspectives and strategic direction for the company.
- Rummel's Credentials: Rummel served as managing partner at Ernst & Young's San Antonio office, with over 37 years of auditing experience, particularly in the financial services sector, enabling him to offer professional support in risk assessment and management for the company.
- Current Director Retirement: Current director Chris Avery will retire in April, having contributed to significant expansions and pandemic responses during his tenure, with the board expressing gratitude for his service.
See More
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- Net Income Growth: Cullen/Frost Bankers Inc (NYSE:CFR) reported a net income of $164.6 million for Q4, reflecting a 7.4% year-over-year increase, indicating sustained profitability improvements that bolster investor confidence.
- Full-Year Performance Boost: The company's full-year net income reached $641.9 million, an 11.5% increase from 2024, showcasing strong performance in a competitive market and further solidifying its market position.
- Deposit and Loan Growth: Average deposits grew to $43.3 billion in Q4, up 3.5% year-over-year, while average loans increased by 6.5% to $21.7 billion, reflecting the company's success in expanding its customer base and enhancing market share.
- Stock Buyback Program: The company repurchased approximately 654,000 shares at a cost of $80.7 million in Q4, demonstrating management's confidence in the company's future prospects while also creating value for shareholders.
See More
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- Loan and Deposit Performance: By the end of 2025, expansion loans reached $2.37 billion, with over 78,000 new households added, and average loans and deposits increased to $21.7 billion and $43.3 billion respectively, showcasing the company's strong competitive position in the market.
- Share Repurchase Plan: The board approved a new $300 million share repurchase program following the completion of the previous $150 million plan, demonstrating the company's confidence in future growth and commitment to shareholders.
- Future Outlook: The company projects net interest income growth of 3% to 5% for 2026, with loan growth expected between 5% and 7%, and noninterest income anticipated to grow by 4% to 5%, reflecting management's optimistic view on market opportunities.
See More
