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Jun 30, 2025
Cullen/Frost Bankers Q2 2025 Earnings Report
Cullen/Frost Bankers reported second quarter 2025 results, with increased net income and diluted EPS compared to the prior year.
Key Takeaways
Cullen/Frost Bankers demonstrated strong performance in the second quarter of 2025, with net income available to common shareholders increasing to $155.3 million and diluted EPS rising to $2.39. The company achieved solid loan growth and a slight increase in average total deposits, highlighting the durability of its organic growth model.
Net income available to common shareholders for Q2 2025 increased to $155.3 million, up from $143.8 million in Q2 2024.
Diluted EPS for Q2 2025 was $2.39, an increase from $2.21 in the same period last year.
Average loans grew by 7.2% year-over-year to $21.1 billion, and average deposits increased by 3.1% to $41.8 billion.
The board declared a third-quarter cash dividend of $1.00 per common share, reflecting confidence in future performance.
Revenue by Segment
Forward Guidance
The company's forward-looking statements indicate potential risks and uncertainties that could cause actual results to differ materially, including economic conditions, interest rate fluctuations, and regulatory changes. The impact of U.S. trade policies and tariffs remains uncertain but could adversely affect the business.
Positive Outlook
- Continued focus on organic growth model.
- Solid loan growth expected to continue.
- Potential for stable deposit growth despite seasonal variations.
- Strong capital ratios provide financial flexibility.
- Consistent dividend payouts signal financial health.
Challenges Ahead
- Changes in general economic conditions could impact financial results.
- Fluctuations in interest rates may affect profitability.
- Increased competition could pressure margins.
- Changes in laws, regulations, or accounting principles may impact operations.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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