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Sep 30, 2023

Cullen/Frost Bankers Q3 2023 Earnings Report

Cullen/Frost Bankers reported a decrease in net income but an increase in net interest income for Q3 2023.

Key Takeaways

Cullen/Frost Bankers reported third quarter 2023 results with net income available to common shareholders of $154.0 million, a decrease compared to $168.1 million in the third quarter of 2022. However, net interest income on a taxable-equivalent basis increased by 7.3 percent to $407.4 million compared to the same quarter in 2022.

Net income available to common shareholders for Q3 2023 was $154.0 million, compared to $168.1 million in Q3 2022.

Earnings per diluted common share decreased to $2.38 from $2.59 year-over-year.

Net interest income on a taxable-equivalent basis increased by 7.3 percent to $407.4 million compared to the same quarter in 2022.

Average loans increased by $1.1 billion, or 6.8 percent, to $18.0 billion.

Total Revenue
$491M
Previous year: $479M
+2.5%
EPS
$2.38
Previous year: $2.59
-8.1%
Net Interest Margin
3.44%
Previous year: 3.01%
+14.3%
Common Equity Tier 1 Ratio
13.32%
Previous year: 12.74%
+4.6%
Tier 1 Risk-Based Capital Ratio
13.81%
Previous year: 13.26%
+4.1%
Gross Profit
$561M
Previous year: $47M
+1092.9%
Cash and Equivalents
$7.62B
Previous year: $13.6B
-44.1%
Free Cash Flow
$206M
Previous year: $217M
-5.3%
Total Assets
$48.7B
Previous year: $52.9B
-7.9%

Cullen/Frost Bankers

Cullen/Frost Bankers

Forward Guidance

The company is focused on making sound institutional decisions about near-term investments that will support sustained growth and success over the longer term.