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Mar 31
Cullen/Frost Bankers Q1 2025 Earnings Report
Reported first quarter 2025 results
Key Takeaways
Cullen/Frost Bankers reported a strong first quarter in 2025, with increased net income and earnings per share compared to the previous year. The company saw solid loan growth and stable deposit trends, continuing its strategy of organic expansion.
Net income available to common shareholders increased to $149.3 million in Q1 2025 from $134.0 million in Q1 2024.
Diluted earnings per common share rose to $2.30 in Q1 2025 from $2.06 in Q1 2024.
Average loans grew by 8.8% year-over-year to $20.8 billion.
The board increased the quarterly common dividend by 5.3% to $1.00 per share.
Cullen/Frost Bankers
Cullen/Frost Bankers
Cullen/Frost Bankers Revenue by Segment
Revenue by Segment
Trust and investment fees Revenue
CapyFin.comService charges on deposits Revenue
CapyFin.comInsurance commissions Revenue
CapyFin.comInterchange and card fees Revenue
CapyFin.comOther charges, commissions, fees Revenue
CapyFin.comOther non-interest income Revenue
CapyFin.com Forward Guidance
The company is focused on continued, sustainable organic growth and expanding its presence across Texas. They plan to open additional locations in the near future.
Positive Outlook
- Continued focus on sustainable organic growth.
- Expansion into new locations, increasing physical footprint.
- Strong first quarter results support the current strategy.
- Increased quarterly common dividend.
- Commitment to offering the 'Frost experience' to more customers.
Challenges Ahead
- Forward-looking statements involve risks and uncertainties.
- Financial markets, international relations, and global supply chains could impact results.
- U.S. trade policies and tariffs could weaken economic conditions.
- Prolonged uncertainty or elevated tariffs could adversely affect borrowers and financial markets.
- Potential material adverse effect on business if risks materialize.