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Sep 30, 2024

Cullen/Frost Bankers Q3 2024 Earnings Report

Cullen/Frost reported third quarter results with a decrease in net income but an increase in net interest income.

Key Takeaways

Cullen/Frost Bankers, Inc. reported a decrease in net income available to common shareholders for the third quarter of 2024 compared to the same period in 2023. However, net interest income on a taxable-equivalent basis increased. Average loans also increased, while average deposits saw a slight decrease year-over-year.

Net income available to common shareholders was $144.8 million, down from $154.0 million in Q3 2023.

Earnings per diluted common share were $2.24, compared to $2.38 in the prior year.

Net interest income on a taxable-equivalent basis increased by 4.4% to $425.2 million.

Average loans increased by 11.8% to $20.1 billion, while average deposits decreased slightly by 0.2% to $40.7 billion.

Total Revenue
$518M
Previous year: $491M
+5.4%
EPS
$2.24
Previous year: $2.38
-5.9%
Net Interest Margin
3.56%
Previous year: 3.44%
+3.5%
Common Equity Tier 1 Ratio
13.55%
Previous year: 13.32%
+1.7%
Tier 1 Risk-Based Capital Ratio
14.02%
Previous year: 13.81%
+1.5%
Gross Profit
$499M
Previous year: $561M
-11.1%
Cash and Equivalents
$9.2B
Previous year: $7.62B
+20.7%
Free Cash Flow
$282M
Previous year: $206M
+37.2%
Total Assets
$51B
Previous year: $48.7B
+4.6%

Cullen/Frost Bankers

Cullen/Frost Bankers

Forward Guidance

No specific forward guidance was provided in the earnings report.