CullenFrost Bankers Earnings Estimate

CFR Stock  USD 138.74  0.21  0.15%   
The next projected EPS of CullenFrost Bankers is estimated to be 2.31 with future projections ranging from a low of 2.19 to a high of 2.42. CullenFrost Bankers' most recent 12-month trailing earnings per share (EPS TTM) is at 9.12. Please be aware that the consensus of earnings estimates for CullenFrost Bankers is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
CullenFrost Bankers is projected to generate 2.31 in earnings per share on the 30th of June 2025. CullenFrost Bankers earnings estimates show analyst consensus about projected CullenFrost Bankers EPS (Earning Per Share). It derives the highest and the lowest estimates based on CullenFrost Bankers' historical volatility. Many public companies, such as CullenFrost Bankers, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

CullenFrost Bankers Revenue Breakdown by Earning Segment

By analyzing CullenFrost Bankers' earnings estimates, investors can diagnose different trends across CullenFrost Bankers' analyst sentiment over time as well as compare current estimates against different timeframes. As of 07/19/2025, Gross Profit is likely to grow to about 2.1 B, while Pretax Profit Margin is likely to drop 0.20. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CullenFrost Bankers. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
To learn how to invest in CullenFrost Stock, please use our How to Invest in CullenFrost Bankers guide.

CullenFrost Bankers Earnings Estimation Breakdown

The calculation of CullenFrost Bankers' earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of CullenFrost Bankers is estimated to be 2.31 with the future projection ranging from a low of 2.19 to a high of 2.42. Please be aware that this consensus of annual earnings estimates for CullenFrost Bankers is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
2.3
2.19
Lowest
Expected EPS
2.31
2.42
Highest

CullenFrost Bankers Earnings Projection Consensus

Suppose the current estimates of CullenFrost Bankers' value are higher than the current market price of the CullenFrost Bankers stock. In this case, investors may conclude that CullenFrost Bankers is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and CullenFrost Bankers' stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 30th of June 2025Current EPS (TTM)
1494.13%
2.3
2.31
9.12

CullenFrost Bankers Earnings History

Earnings estimate consensus by CullenFrost Bankers analysts from Wall Street is used by the market to judge CullenFrost Bankers' stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only CullenFrost Bankers' upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.

CullenFrost Bankers Quarterly Gross Profit

527.16 Million

As of 07/19/2025, Retained Earnings is likely to grow to about 4.1 B, while Retained Earnings Total Equity is likely to drop slightly above 2.2 B. As of 07/19/2025, Net Income Applicable To Common Shares is likely to grow to about 691.3 M, while Common Stock Shares Outstanding is likely to drop slightly above 58.9 M.
Hype
Prediction
LowEstimatedHigh
137.33138.84140.35
Details
Intrinsic
Valuation
LowRealHigh
124.87143.82145.33
Details
Naive
Forecast
LowNextHigh
133.42134.93136.44
Details
13 Analysts
Consensus
LowTargetHigh
119.79131.64146.12
Details
Please note, it is not enough to conduct a financial or market analysis of a single entity such as CullenFrost Bankers. Your research has to be compared to or analyzed against CullenFrost Bankers' peers to derive any actionable benefits. When done correctly, CullenFrost Bankers' competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in CullenFrost Bankers. Note that many institutional investors and large investment bankers can move markets due to the volume of CullenFrost assets they manage. They also follow analysts to some degree and often drive overall investor sentiments towards CullenFrost Bankers. With so many stockholders watching consensus numbers, the difference between actual and projected earnings is one of the most critical factors driving CullenFrost Bankers' stock price in the short term.

CullenFrost Bankers Earnings per Share Projection vs Actual

Actual Earning per Share of CullenFrost Bankers refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering CullenFrost Bankers predict the company's earnings will be in the future. The higher the earnings per share of CullenFrost Bankers, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.

CullenFrost Bankers Estimated Months Earnings per Share

For an investor who is primarily interested in generating an income out of investing in entities such as CullenFrost Bankers, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of CullenFrost Bankers should always be considered in relation to other companies to make a more educated investment decision.

CullenFrost Quarterly Analyst Estimates and Surprise Metrics

Earnings surprises can significantly impact CullenFrost Bankers' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2025-05-01
2025-03-312.172.30.13
2025-01-30
2024-12-312.172.360.19
2024-10-31
2024-09-302.172.240.07
2024-07-25
2024-06-302.072.210.14
2024-04-25
2024-03-312.142.06-0.08
2024-01-25
2023-12-312.092.180.09
2023-10-26
2023-09-302.152.380.2310 
2023-07-27
2023-06-302.42.470.07
2023-04-27
2023-03-312.552.70.15
2023-01-26
2022-12-312.762.910.15
2022-10-27
2022-09-302.232.590.3616 
2022-07-28
2022-06-301.771.810.04
2022-04-28
2022-03-311.481.50.02
2022-01-27
2021-12-311.341.540.214 
2021-10-28
2021-09-301.521.650.13
2021-07-29
2021-06-301.561.80.2415 
2021-04-29
2021-03-311.441.770.3322 
2021-01-28
2020-12-311.291.380.09
2020-10-29
2020-09-301.21.50.325 
2020-07-30
2020-06-300.831.470.6477 
2020-04-30
2020-03-311.231.19-0.04
2020-01-30
2019-12-311.571.60.03
2019-10-31
2019-09-301.691.730.04
2019-07-25
2019-06-301.721.720.0
2019-04-25
2019-03-311.751.790.04
2019-01-31
2018-12-311.751.820.07
2018-10-25
2018-09-301.721.780.06
2018-07-26
2018-06-301.631.680.05
2018-04-26
2018-03-311.491.610.12
2018-01-25
2017-12-311.41.590.1913 
2017-10-26
2017-09-301.311.410.1
2017-07-27
2017-06-301.291.290.0
2017-04-26
2017-03-311.221.280.06
2017-01-25
2016-12-311.221.280.06
2016-10-26
2016-09-301.161.240.08
2016-07-27
2016-06-301.051.110.06
2016-04-27
2016-03-311.051.070.02
2016-01-27
2015-12-310.980.9-0.08
2015-10-28
2015-09-301.131.170.04
2015-07-29
2015-06-301.121.11-0.01
2015-04-29
2015-03-311.091.10.01
2015-01-28
2014-12-311.111.110.0
2014-10-29
2014-09-301.111.190.08
2014-07-30
2014-06-301.021.10.08
2014-04-23
2014-03-310.980.980.0
2014-01-29
2013-12-310.970.990.02
2013-10-30
2013-09-300.960.960.0
2013-07-24
2013-06-300.950.94-0.01
2013-04-24
2013-03-310.960.91-0.05
2013-01-30
2012-12-310.930.970.04
2012-10-24
2012-09-300.940.950.01
2012-07-25
2012-06-300.930.940.01
2012-04-25
2012-03-310.910.990.08
2012-01-25
2011-12-310.870.90.03
2011-10-26
2011-09-300.890.890.0
2011-07-27
2011-06-300.870.910.04
2011-04-27
2011-03-310.870.85-0.02
2011-01-26
2010-12-310.880.87-0.01
2010-10-27
2010-09-300.880.90.02
2010-07-28
2010-06-300.80.870.07
2010-04-28
2010-03-310.770.790.02
2010-01-27
2009-12-310.750.66-0.0912 
2009-10-21
2009-09-300.770.75-0.02
2009-07-22
2009-06-300.690.63-0.06
2009-04-22
2009-03-310.840.76-0.08
2009-01-28
2008-12-310.870.890.02
2008-10-22
2008-09-300.880.82-0.06
2008-07-23
2008-06-300.890.90.01
2008-04-23
2008-03-310.920.89-0.03
2008-01-23
2007-12-310.930.930.0
2007-10-24
2007-09-300.920.950.03
2007-07-25
2007-06-300.880.890.01
2007-04-25
2007-03-310.890.84-0.05
2007-01-24
2006-12-310.870.86-0.01
2006-10-25
2006-09-300.880.880.0
2006-07-26
2006-06-300.850.860.01
2006-04-26
2006-03-310.810.830.02
2006-01-25
2005-12-310.810.810.0
2005-10-26
2005-09-300.770.790.02
2005-07-27
2005-06-300.730.72-0.01
2005-04-27
2005-03-310.720.7-0.02
2005-01-26
2004-12-310.710.710.0
2004-10-27
2004-09-300.690.68-0.01
2004-07-28
2004-06-300.660.65-0.01
2004-04-28
2004-03-310.630.62-0.01
2004-01-28
2003-12-310.610.610.0
2003-10-22
2003-09-300.620.620.0
2003-07-23
2003-06-300.590.650.0610 
2003-04-23
2003-03-310.580.590.01
2003-01-22
2002-12-310.570.580.01
2002-10-23
2002-09-300.560.590.03
2002-07-23
2002-06-300.540.610.0712 
2002-04-24
2002-03-310.510.520.01
2002-01-23
2001-12-310.490.490.0
2001-10-24
2001-09-300.310.310.0
2001-07-25
2001-06-300.530.540.01
2001-04-18
2001-03-310.530.42-0.1120 
2001-01-24
2000-12-310.520.530.01
2000-10-26
2000-09-300.510.520.01
2000-07-26
2000-06-300.490.50.01
2000-04-25
2000-03-310.470.470.0
2000-01-18
1999-12-310.460.460.0
1999-10-19
1999-09-300.440.50.0613 
1999-07-15
1999-06-300.430.440.01
1999-04-15
1999-03-310.420.460.04
1999-01-19
1998-12-310.410.420.01
1998-10-15
1998-09-300.390.40.01
1998-07-21
1998-06-300.370.390.02
1998-04-21
1998-03-310.360.370.01
1998-01-15
1997-12-310.360.360.0
1997-10-16
1997-09-300.340.350.01
1997-07-15
1997-06-300.330.340.01
1997-04-15
1997-03-310.320.330.01
1997-01-16
1996-12-310.310.320.01
1996-10-15
1996-09-300.30.310.01
1996-07-16
1996-06-300.290.30.01
1996-04-16
1996-03-310.270.290.02
1996-01-15
1995-12-310.270.270.0
1995-10-11
1995-09-300.250.260.01

About CullenFrost Bankers Earnings Estimate

The earnings estimate module is a useful tool to check what professional financial analysts are assuming about the future of CullenFrost Bankers earnings. We show available consensus EPS estimates for the upcoming years and quarters. Investors can also examine how these consensus opinions have evolved historically. We show current CullenFrost Bankers estimates, future projections, as well as estimates 1, 2, and three years ago. Investors can search for a specific entity to conduct investment planning and build diversified portfolios. Please note, earnings estimates provided by Macroaxis are the average expectations of expert analysts that we track. If a given stock such as CullenFrost Bankers fails to match professional earnings estimates, it usually performs purely. Wall Street refers to that as a 'negative surprise.' If a company 'beats' future estimates, it's usually called an 'upside surprise.'
Please read more on our stock advisor page.
Last ReportedProjected for Next Year
Retained EarningsB4.1 B
Retained Earnings Total Equity3.8 B2.2 B
Earning Assets36.5 B21 B
Earnings Yield 0.07  0.04 
Price Earnings Ratio 14.79  14.05 
Price Earnings To Growth Ratio(44.92)(42.67)

Pair Trading with CullenFrost Bankers

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if CullenFrost Bankers position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in CullenFrost Bankers will appreciate offsetting losses from the drop in the long position's value.

Moving together with CullenFrost Stock

  0.95AX Axos FinancialPairCorr
  0.91BY Byline Bancorp Earnings Call This WeekPairCorr
  0.92DB Deutsche Bank AG Earnings Call This WeekPairCorr
  0.85KB KB Financial Group Earnings Call This WeekPairCorr
  0.85NU Nu Holdings Aggressive PushPairCorr
The ability to find closely correlated positions to CullenFrost Bankers could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace CullenFrost Bankers when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back CullenFrost Bankers - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling CullenFrost Bankers to buy it.
The correlation of CullenFrost Bankers is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as CullenFrost Bankers moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if CullenFrost Bankers moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for CullenFrost Bankers can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Additional Tools for CullenFrost Stock Analysis

When running CullenFrost Bankers' price analysis, check to measure CullenFrost Bankers' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CullenFrost Bankers is operating at the current time. Most of CullenFrost Bankers' value examination focuses on studying past and present price action to predict the probability of CullenFrost Bankers' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CullenFrost Bankers' price. Additionally, you may evaluate how the addition of CullenFrost Bankers to your portfolios can decrease your overall portfolio volatility.