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Mar 31, 2023

Cullen/Frost Bankers Q1 2023 Earnings Report

Cullen/Frost Bankers reported strong first quarter results driven by net interest income growth and effective execution of organic growth strategy.

Key Takeaways

Cullen/Frost Bankers reported a net income available to common shareholders of $176.0 million for the first quarter of 2023, an increase compared to $97.4 million in the first quarter of 2022. The company's earnings per diluted common share rose to $2.70, representing an 80.0 percent increase year-over-year. Key drivers included a 56.4 percent increase in net interest income and a focus on organic growth strategies.

Net income available to common shareholders was $176.0 million, up from $97.4 million in Q1 2022.

Earnings per diluted common share increased 80.0 percent to $2.70.

Net interest income on a taxable-equivalent basis rose 56.4 percent to $425.8 million.

Average loans increased by $932.6 million, or 5.7 percent, to $17.3 billion.

Total Revenue
$505M
Previous year: $374M
+35.2%
EPS
$2.7
Previous year: $1.5
+80.0%
Net Interest Margin
3.47%
Previous year: 2.33%
+48.9%
Common Equity Tier 1 Ratio
13.24%
Previous year: 12.78%
+3.6%
Tier 1 Risk-Based Capital Ratio
13.74%
Previous year: 13.32%
+3.2%
Gross Profit
$505M
Previous year: $350M
+44.1%
Cash and Equivalents
$9.3B
Previous year: $14.5B
-35.7%
Free Cash Flow
$122M
Previous year: $320M
-61.9%
Total Assets
$51.2B
Previous year: $51.3B
-0.1%

Cullen/Frost Bankers

Cullen/Frost Bankers

Forward Guidance

The document does not contain forward guidance. Therefore, this section is left empty.