stockrowCullen/Frost Bankers, Inc.
Cullen/Frost Bankers, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.9 billion, up 2.46% from fiscal 2024.
- Revenue
- +2.95%
- EPS
- +6.37%
- Free cash flow
- +21.4%
- Total debt
- +0.10%
Quarter to September 2026, against a year earlier
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Cullen/Frost Bankers, Inc. (CFR) Gross margin
Cullen/Frost Bankers, Inc.'s gross margin over the twelve months to 30 September 2026 was 79.2%, up 2.6 percentage points from fiscal 2025 (76.6%). Over the past ten years it has ranged from 72.4% (fiscal 2024) to 98.9% (fiscal 2016); the current reading is higher than 27% of that period. That is above the Banks Regional industry median of 69.8% and above the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 76.6% | 4.13 |
| FY2024 | 72.4% | (2.67) |
| FY2023 | 75.1% | (15.10) |
| FY2022 | 90.2% | (8.10) |
| FY2021 | 98.3% | 1.32 |
| FY2020 | 97.0% | 5.64 |
| FY2019 | 91.3% | (2.02) |
| FY2018 | 93.4% | (4.49) |
| FY2017 | 97.8% | (1.10) |
| FY2016 | 98.9% | 0.13 |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 78.7% | (1.01) |
| Jun 2026 | 79.7% | (0.82) |
| Mar 2026 | 80.5% | 2.59 |
| Dec 2025 | 77.9% | 1.82 |
| 43 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| CBC Central Bancompany compare | 88.4% |
| CFR Cullen/Frost Bankers, Inc. | 79.2% |
| BPOP Popular, Inc. compare | 73.9% |
| ZION Zions Bancorporation, N.A. compare | 72.9% |
| SSB SouthState Bank Corporation compare | 71.9% |
| CIB Grupo Cibest S.A. - Sponsored ADR compare | 69.3% |
| ONB Old National Bancorp compare | 69.0% |
| UMBF UMB Financial Corporation compare | 68.4% |
| WTFC Wintrust Financial Corporation compare | 66.6% |
| Banks Regional industry median | 69.8% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on CFR
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement