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Jun 30, 2023

Cullen/Frost Bankers Q2 2023 Earnings Report

Cullen/Frost reported second quarter results with increased net income and earnings per share.

Key Takeaways

Cullen/Frost Bankers, Inc. reported a strong second quarter in 2023, with net income available to common shareholders reaching $160.4 million, an increase from $117.4 million in the same quarter of the previous year. Earnings per diluted common share rose to $2.47, marking a 36.5 percent increase year-over-year. The company's board also increased the quarterly common dividend by 5.7 percent to $0.92 per share.

Net income available to common shareholders increased to $160.4 million, up from $117.4 million in Q2 2022.

Earnings per diluted common share rose by 36.5 percent to $2.47 compared to $1.81 in the prior year.

Net interest income on a taxable-equivalent basis increased by 31.2 percent to $408.6 million year-over-year.

Average loans increased by $1.0 billion, or 5.9 percent, to $17.7 billion from $16.7 billion in Q2 2022.

Total Revenue
$489M
Previous year: $409M
+19.4%
EPS
$2.47
Previous year: $1.81
+36.5%
Net Interest Margin
3.45%
Previous year: 2.56%
+34.8%
Common Equity Tier 1 Ratio
13.42%
Previous year: 12.64%
+6.2%
Tier 1 Risk-Based Capital Ratio
13.92%
Previous year: 13.17%
+5.7%
Gross Profit
$489M
Previous year: $79.5M
+514.6%
Cash and Equivalents
$7.11B
Previous year: $13.7B
-48.0%
Free Cash Flow
$116M
Previous year: -$53.4M
-316.7%
Total Assets
$48.6B
Previous year: $51.8B
-6.2%

Cullen/Frost Bankers

Cullen/Frost Bankers

Forward Guidance

Cullen/Frost Bankers, Inc. will host a conference call on July 27, 2023, at 1 p.m. Central Time (CT) to discuss the results for the quarter.