CFR - Cullen/Frost Bankers • Financials

Cullen/Frost is a regional US bank with around $53 billion in assets (as of September 2025), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based approach to banking that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through branch openings. The bank's sweet spot is small to medium-size Texas-based commercial clients.

Complete and updated financials table with all primary indicators: Net Income, Revenue, EBITDA, Margin, ROE, Dividends

Year	Revenue	CLP	Net Inc	Net Mrg	EPS	CLP/Net Inc	Assets	Equity	ROE	Buyback	Dividend	Payout	DY
12/2016	-	-	-	-	-	-	-	-	-	-	-	-	-
12/2017	-	-	-	-	-	-	-	-	-	-	-	-	-
12/2018	-	-	-	-	-	-	-	-	-	-	-	-	-
12/2019	-	-	-	-	-	-	-	-	-	-	-	-	-
12/2020	-	-	-	-	-	-	-	-	-	-	-	-	-
12/2021	-	-	-	-	-	-	-	-	-	-	-	-	-
12/2022	-	-	-	-	-	-	-	-	-	-	-	-	-
12/2023	1,987	46	-	30%	9.2	7.8%	50,845	3,716	16%	-43	-232	40%	3.3%
12/2024	2,064	65	-	28%	9	11%	52,520	3,899	15%	-61	-242	43%	2.8%
12/2025	2,235	44	-	29%	10	6.9%	53,041	4,573	14%	-158	-255	41%	3.1%

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