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Dec 31, 2024

Cullen/Frost Bankers Q4 2024 Earnings Report

Cullen/Frost Bankers reported solid financial results for Q4 2024, driven by the commitment of Frost bankers and growth in new customer relationships.

Key Takeaways

Cullen/Frost Bankers reported a net income available to common shareholders of $153.2 million for Q4 2024, an increase of $52.3 million compared to Q4 2023. Excluding the FDIC surcharge impact from the previous year, net income available to common shareholders increased by $11.6 million, or 8.2 percent. Average deposits saw growth both on a linked-quarter and year-over-year basis.

Net income available to common shareholders was $153.2 million, up from $100.9 million in Q4 2023.

Excluding the FDIC surcharge from Q4 2023, net income available to common shareholders increased by 8.2 percent.

Earnings per diluted common share were $2.36, compared to $1.55 in Q4 2023.

Average deposits increased by $701.7 million, or 1.7 percent, compared to Q4 2023.

Total Revenue
$536M
Previous year: $502M
+6.9%
EPS
$2.36
Previous year: $2.18
+8.3%
Net Interest Margin
3.53%
Previous year: 3.41%
+3.5%
Common Equity Tier 1 Ratio
13.62%
Previous year: 13.25%
+2.8%
Tier 1 Risk-Based Capital Ratio
14.07%
Previous year: 13.73%
+2.5%
Cash and Equivalents
$8.58B
Previous year: $8.33B
+2.9%
Total Assets
$52.5B
Previous year: $50.8B
+3.3%

Cullen/Frost Bankers

Cullen/Frost Bankers

Forward Guidance

Cullen/Frost Bankers, Inc. will host a conference call on Thursday, January 30, 2025, at 1:00 p.m. Central Time (CT) to discuss the results for the quarter and the year.