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Sep 30, 2021

Cullen/Frost Bankers Q3 2021 Earnings Report

Cullen/Frost reported solid third quarter results with upward loan trends and diminishing pandemic effects.

Key Takeaways

Cullen/Frost Bankers, Inc. reported a net income available to common shareholders of $106.3 million for the third quarter of 2021, compared to $95.1 million in the third quarter of 2020. Diluted earnings per share were $1.65, up from $1.50 in the prior year. Average loans decreased, but excluding PPP loans, they showed a slight increase. Average deposits increased significantly.

Net income available to common shareholders increased to $106.3 million from $95.1 million year-over-year.

Earnings per diluted common share rose to $1.65, compared to $1.50 in the same quarter last year.

Average loans decreased to $16.2 billion, but excluding PPP loans, showed a slight increase compared to the previous quarter.

Average deposits increased to $39.1 billion, up 19.0 percent compared to the third quarter of 2020.

Total Revenue
$363M
Previous year: $351M
+3.4%
EPS
$1.65
Previous year: $1.5
+10.0%
Net Interest Margin
2.47%
Previous year: 2.95%
-16.3%
Common Equity Tier 1 Ratio
13.42%
Previous year: 12.71%
+5.6%
Tier 1 Risk-Based Capital Ratio
14.01%
Previous year: 12.71%
+10.2%
Gross Profit
$339M
Previous year: $327M
+3.8%
Cash and Equivalents
$16.3B
Previous year: $499M
+3154.7%
Free Cash Flow
$195M
Previous year: $238M
-18.2%
Total Assets
$47.9B
Previous year: $40.1B
+19.3%

Cullen/Frost Bankers

Cullen/Frost Bankers

Forward Guidance

The company is optimistic about its future performance and the economy, with loans trending upward and pandemic-related headwinds diminishing.