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Mar 31, 2024

Cullen/Frost Bankers Q1 2024 Earnings Report

Cullen/Frost reported solid earnings for Q1 2024, driven by their organic growth strategy and the hard work of their bankers.

Key Takeaways

Cullen/Frost Bankers, Inc. reported a net income available to common shareholders of $134.0 million for the first quarter of 2024. The results were impacted by a $7.7 million addition to the estimated FDIC special assessment. Excluding this item, net income would have been approximately $140.1 million. Average loans increased by $1.8 billion, while average deposits decreased by $2.0 billion compared to the first quarter of 2023.

Net income available to common shareholders was $134.0 million, or $2.06 per diluted common share.

Excluding the impact of the FDIC special assessment, EPS would have been $2.15.

Average loans increased by $1.8 billion, or 10.4 percent, to $19.1 billion.

Net interest income on a taxable-equivalent basis was $411.4 million, a decrease of 3.4 percent compared to the prior year period.

Total Revenue
$501M
Previous year: $505M
-0.7%
EPS
$2.15
Previous year: $2.7
-20.4%
Net Interest Margin
3.48%
Previous year: 3.47%
+0.3%
Common Equity Tier 1 Ratio
13.41%
Previous year: 13.24%
+1.3%
Tier 1 Risk-Based Capital Ratio
13.89%
Previous year: 13.74%
+1.1%
Gross Profit
$586M
Previous year: $505M
+15.9%
Cash and Equivalents
$8.46B
Previous year: $9.3B
-9.0%
Free Cash Flow
$450M
Previous year: $122M
+268.3%
Total Assets
$49.3B
Previous year: $51.2B
-3.8%

Cullen/Frost Bankers

Cullen/Frost Bankers

Forward Guidance

No specific forward guidance was provided in the earnings report.