CFR
CULLEN/FROST BANKERS, INC.
Overview
Cullen/Frost Bankers, Inc. operates as a bank holding company providing commercial and consumer banking, trust and investment management, insurance, brokerage, and treasury management services through its subsidiary Frost Bank, which maintains approximately 204 financial centers across Texas.
CULLEN/FROST BANKERS, INC is a Financial Services company operating in Banks - Regional with a $9.15B market cap.
Most recent reported earnings: Q2 FY2026 (Jul 29, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from SEC 10-K filing, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-30
- Q4 FY2025Earnings2026-01-2931 Q&A exchanges
- Q3 FY2025Earnings2025-10-3021 Q&A exchanges
- Q2 FY2025Earnings2025-07-3122 Q&A exchanges
- Q1 FY2025Earnings2025-05-0124 Q&A exchanges
- Q4 FY2024Earnings2025-01-3018 Q&A exchanges
- Q3 FY2024Earnings2024-10-3124 Q&A exchanges
- Q2 FY2024Earnings2024-07-2535 Q&A exchanges
- Q1 FY2024Earnings2024-04-2529 Q&A exchanges
- Q4 FY2023Earnings2024-01-2546 Q&A exchanges
- Q3 FY2023Earnings2023-10-2639 Q&A exchanges
- Q2 FY2023Earnings2023-07-2739 Q&A exchanges
- Q1 FY2023Earnings2023-04-2734 Q&A exchanges
- Q4 FY2022Earnings2023-01-2629 Q&A exchanges
- Q3 FY2022Earnings2022-10-2726 Q&A exchanges
- Q2 FY2022Earnings2022-07-2833 Q&A exchanges
- Q1 FY2022Earnings2022-04-2838 Q&A exchanges
- Q4 FY2021Earnings2022-01-2726 Q&A exchanges
- Q3 FY2021Earnings2021-10-2821 Q&A exchanges
- Q2 FY2021Earnings2021-07-3029 Q&A exchanges
- Q1 FY2021Earnings2021-04-2934 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-29EPS— vs $2.54—Rev— vs ——EODHD
- Q1 FY20262026-04-29EPS$2.65 vs $2.49+6.4%Rev$574.8M vs ——EODHD
- Q4 FY20252026-01-28EPS$2.80 vs $2.45+14.3%Rev$745.9M vs ——EODHD
- Q3 FY20252025-10-29EPS$2.67 vs $2.38+12.2%Rev$745.6M vs ——EODHD
- Q2 FY20252025-07-30EPS$2.39 vs $2.31+3.5%Rev$719.2M vs ——EODHD
- Q1 FY20252025-04-30EPS$2.30 vs $2.17+6.0%Rev$709.1M vs ——EODHD
- Q4 FY20242025-01-29EPS$2.36 vs $2.17+8.8%Rev$723.5M vs ——EODHD
- Q3 FY20242024-10-30EPS$2.24 vs $2.17+3.2%Rev$721.9M vs ——EODHD
- Q2 FY20242024-07-24EPS$2.21 vs $2.07+6.8%Rev$707.5M vs ——EODHD
- Q1 FY20242024-04-24EPS$2.06 vs $2.14-3.7%Rev$696.9M vs ——EODHD
- Q4 FY20232024-01-24EPS$2.18 vs $2.09+4.3%Rev$692.8M vs ——EODHD
- Q3 FY20232023-10-25EPS$2.38 vs $2.15+10.7%Rev$667.1M vs ——EODHD
- Q2 FY20232023-07-26EPS$2.47 vs $2.40+2.9%Rev$645.9M vs ——EODHD
- Q1 FY20232023-04-26EPS$2.70 vs $2.55+5.9%Rev$640.5M vs ——EODHD
- Q4 FY20222023-01-25EPS$2.91 vs $2.76+5.4%Rev$610.2M vs ——EODHD
- Q3 FY20222022-10-26EPS$2.59 vs $2.23+16.1%Rev$508.2M vs ——EODHD
- Q2 FY20222022-07-27EPS$1.81 vs $1.77+2.3%Rev$404.5M vs ——EODHD
- Q1 FY20222022-04-27EPS$1.50 vs $1.48+1.4%Rev$357.7M vs ——EODHD
- Q4 FY20212022-01-26EPS$1.54 vs $1.34+14.9%Rev$355.9M vs ——EODHD
- Q3 FY20212021-10-27EPS$1.65 vs $1.52+8.6%Rev$345.4M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-29 | — | $2.54 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-29 | $2.65 | $2.49 | +6.4% | $574.8M | — | — | EODHD |
| Q4 FY2025 | 2026-01-28 | $2.80 | $2.45 | +14.3% | $745.9M | — | — | EODHD |
| Q3 FY2025 | 2025-10-29 | $2.67 | $2.38 | +12.2% | $745.6M | — | — | EODHD |
| Q2 FY2025 | 2025-07-30 | $2.39 | $2.31 | +3.5% | $719.2M | — | — | EODHD |
| Q1 FY2025 | 2025-04-30 | $2.30 | $2.17 | +6.0% | $709.1M | — | — | EODHD |
| Q4 FY2024 | 2025-01-29 | $2.36 | $2.17 | +8.8% | $723.5M | — | — | EODHD |
| Q3 FY2024 | 2024-10-30 | $2.24 | $2.17 | +3.2% | $721.9M | — | — | EODHD |
| Q2 FY2024 | 2024-07-24 | $2.21 | $2.07 | +6.8% | $707.5M | — | — | EODHD |
| Q1 FY2024 | 2024-04-24 | $2.06 | $2.14 | -3.7% | $696.9M | — | — | EODHD |
| Q4 FY2023 | 2024-01-24 | $2.18 | $2.09 | +4.3% | $692.8M | — | — | EODHD |
| Q3 FY2023 | 2023-10-25 | $2.38 | $2.15 | +10.7% | $667.1M | — | — | EODHD |
| Q2 FY2023 | 2023-07-26 | $2.47 | $2.40 | +2.9% | $645.9M | — | — | EODHD |
| Q1 FY2023 | 2023-04-26 | $2.70 | $2.55 | +5.9% | $640.5M | — | — | EODHD |
| Q4 FY2022 | 2023-01-25 | $2.91 | $2.76 | +5.4% | $610.2M | — | — | EODHD |
| Q3 FY2022 | 2022-10-26 | $2.59 | $2.23 | +16.1% | $508.2M | — | — | EODHD |
| Q2 FY2022 | 2022-07-27 | $1.81 | $1.77 | +2.3% | $404.5M | — | — | EODHD |
| Q1 FY2022 | 2022-04-27 | $1.50 | $1.48 | +1.4% | $357.7M | — | — | EODHD |
| Q4 FY2021 | 2022-01-26 | $1.54 | $1.34 | +14.9% | $355.9M | — | — | EODHD |
| Q3 FY2021 | 2021-10-27 | $1.65 | $1.52 | +8.6% | $345.4M | — | — | EODHD |
Source: EODHD. CFR reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks CFR's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 80% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $4.49 | $3.39 | +32.4% | +1.8% | +0.3% |
| Q4 FY2026 | $4.18 | $3.44 | +21.6% | +1.8% | 0.0% |
| Q3 FY2026 | $4.08 | $3.44 | +18.5% | -0.1% | -1.4% |
| Q2 FY2026 | $4.79 | $3.71 | +29.1% | 0.0% | -0.8% |
| Q1 FY2025 | $4.65 | $3.55 | +30.9% | +2.1% | -0.4% |
| Q4 FY2025 | $4.49 | $3.50 | +28.2% | +4.7% | +7.5% |
| Q3 FY2025 | $4.81 | $3.67 | +31.0% | +2.3% | +3.5% |
| Q2 FY2025 | $4.43 | $3.58 | +23.8% | +3.2% | +3.2% |
| Q1 FY2024 | $4.75 | $3.56 | +33.3% | +2.1% | -0.5% |
| Q4 FY2024 | $4.74 | $3.58 | +32.3% | +6.9% | +6.2% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Phillip D GreenCEO8 mo21 callsCurrentSample
CEO since 2025 • 3/4 beats (75%) • guidance suspended Q2 FY2026
- Dan GeddesCFO8 mo8 callsCurrentSample
CFO since 2025 • 2/4 beats (50%) • last call held guidance Q2 FY2026
- Paul BracherPresident8 mono recorded callsCurrentSample
PRESIDENT since 2025 • 2/4 beats (50%) • last call held guidance Q2 FY2026
- Kenneth L WilsonGEVP Chief Wealth Officer8 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • last call held guidance Q1 FY2026
- Annette M AlonzoGEVP Chief HR Officer8 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 1/4 beats (25%) • last guidance cut Q2 FY2026
- Howard L KasanoffGEVP Chief Credit Officer8 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 3/4 beats (75%) • last guidance cut Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for CFR.
$ curl https://api.spokenalpha.com/v1/companies/CFRFAQ
Frequently asked about CFR
Where can I find CULLEN/FROST BANKERS, INC.'s (CFR) earnings call transcripts?
Spoken Alpha indexes CFR's earnings call transcripts at https://spokenalpha.com/companies/CFR. Each call links to attributed speakers and parsed analyst Q&A. CULLEN/FROST BANKERS, INC.'s own investor relations page is at https://investor.frostbank.com/home/default.aspx.
When was CULLEN/FROST BANKERS, INC.'s most recent earnings call?
CULLEN/FROST BANKERS, INC. (CFR) held its most recent earnings call on 2026-04-30, covering fiscal Q1 2026.
What sector is CFR in?
CULLEN/FROST BANKERS, INC. (CFR) operates in the Financial Services sector (Banks - Regional industry).