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Cullen/Frost Bankers, Inc. (CFR) Net Margin

Annual Net Margin:

20.27%-2.17%(-9.67%)
December 31, 2024

Summary

  • As of today, CFR annual net profit margin is 20.27%, with the most recent change of -2.17% (-9.67%) on December 31, 2024.
  • During the last 3 years, CFR annual net margin has fallen by -11.39% (-35.98%).
  • CFR annual net margin is now -37.30% below its all-time high of 32.33%, reached on December 31, 2018.

Performance

1-Year Change

-9.67%

3-Year Change

-35.98%

5-Year Change

-31.15%

15-Year Change

-31.4%

CFR Net Margin Chart

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Highlights

Sector Percentile

70.64%
CFR annual net profit margin is higher than 70.64% of companies in Financial Services sector

Range

All-Time High

32.33%
CFR annual net profit margin is currently -37.30% below its historical high of 32.33%

3-Year Low

20.27%
CFR annual net profit margin is currently at its 3-year low

Earnings dates

Last Annual Earnings Report Date

Dec 31, 2024
CFR previous annual earnings announcement was published on Dec 31, 2024

Next Annual Earnings Report Date

Jan 29, 2026
CFR next annual earnings announcement is scheduled for Jan 29, 2026

OtherCFRprofitability metrics

Annual Net Income

$576.31M
CFR annual net profit is $576.31 million

Annual Revenue

$2.84B
CFR annual revenue is $2.84 billion

Annual Gross Margin

0.00%
CFR annual gross profit margin is 0.00%

Annual EPS

$8.86
CFR annual earnings per share is $8.86

Quarterly Net Margin:

30.74%+9.07%(+41.86%)
September 30, 2025

Summary

  • As of today, CFR quarterly net profit margin is 30.74%, with the most recent change of +9.07% (+41.86%) on September 30, 2025.
  • Over the past year, CFR quarterly net margin has increased by +10.62% (+52.78%).
  • CFR quarterly net margin is now -14.04% below its all-time high of 35.76%, reached on December 31, 2009.

Performance

3-Month Change

+41.86%

1-Year Change

+52.78%

3-Year Change

-7.27%

5-Year Change

+9.05%

CFR Quarterly Net Margin Chart

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Highlights

Sector Percentile

86.25%
CFR quarterly net profit margin is higher than 86.25% of companies in Financial Services sector

Range

All-Time High

35.76%
CFR quarterly net profit margin is currently -14.04% below its historical high of 35.76%

3-Year Low

14.69%
CFR quarterly net profit margin is currently +109.26% above its 3-year low

Earnings dates

Last Quarterly Earnings Report Date

Sep 30, 2025
CFR previous earnings announcement was published on Sep 30, 2025

Next Quarterly Earnings Report Date

Jan 29, 2026
CFR next earnings announcement is scheduled for Jan 29, 2026

OtherCFRprofitability metrics

Quarterly Net Income

$174.38M
CFR quarterly net profit is $174.38 million

Quarterly Revenue

$567.26M
CFR quarterly revenue is $567.26 million

Quarterly Gross Margin

0.00%
CFR quarterly gross profit margin is 0.00%

Quarterly EPS

$2.67
CFR quarterly earnings per share is $2.67

Net Margin Formula

Net Margin =  Net Income
Revenue ✕ 100%

Annual Net Margin

20.27%
CFR annual net profit margin is 20.27%

Annual Net Income

$576.31M
CFR annual net profit is $576.31 million

Annual Revenue

$2.84B
CFR annual revenue is $2.84 billion

CFR Net Margin Trends

PeriodPeriodAnnualAnnualQuarterlyQuarterly
1Y1 Year-9.7%+52.8%
3Y3 Years-36.0%-7.3%
5Y5 Years-31.1%+9.1%

CFR Net Margin Highs & Lows

PeriodPeriodAnnual vs HighAnnual vs HighAnnual vs LowAnnual vs LowQuarter. vs HighQuarter. vs HighQuarter. vs LowQuarter. vs Low
3Y3-Year-36.0%at low-7.3%+109.3%
5Y5-Year-36.0%at low-10.7%+109.3%
All-TimeAll-Time-37.3%+391.2%-14.0%+227.3%

CFR Net Margin History

DateAnnualQuarterly
Sep 2025
-
30.74%(+41.9%)
Jun 2025
-
21.67%(+2.5%)
Mar 2025
-
21.14%(-0.6%)
Dec 2024
20.27%(-9.7%)
21.26%(+5.7%)
Sep 2024
-
20.12%(-1.2%)
Jun 2024
-
20.37%(+5.7%)
Mar 2024
-
19.28%(+31.2%)
Dec 2023
22.44%(-26.6%)
14.69%(-36.7%)
Sep 2023
-
23.20%(-6.8%)
Jun 2023
-
24.90%(-9.5%)
Mar 2023
-
27.51%(-11.5%)
Dec 2022
30.59%(-3.4%)
31.08%(-6.2%)
Sep 2022
-
33.15%(+13.2%)
Jun 2022
-
29.28%(+6.2%)
Mar 2022
-
27.58%(-2.9%)
Dec 2021
31.66%(+42.4%)
28.39%(-8.9%)
Sep 2021
-
31.18%(-5.8%)
Jun 2021
-
33.11%(-3.8%)
Mar 2021
-
34.42%(+33.5%)
Dec 2020
22.23%(-24.5%)
25.79%(-8.5%)
Sep 2020
-
28.19%(+1.4%)
Jun 2020
-
27.79%(+140.8%)
Mar 2020
-
11.54%(-58.3%)
Dec 2019
29.44%(-8.9%)
27.66%(-6.5%)
Sep 2019
-
29.58%(-1.0%)
Jun 2019
-
29.89%(-2.4%)
Mar 2019
-
30.61%(-5.1%)
Dec 2018
32.33%(+9.4%)
32.25%(-2.2%)
Sep 2018
-
32.97%(+2.0%)
Jun 2018
-
32.32%(+1.8%)
Mar 2018
-
31.75%(+2.7%)
Dec 2017
29.55%(+10.6%)
30.91%(+2.7%)
Sep 2017
-
30.10%(+5.9%)
Jun 2017
-
28.41%(-0.8%)
Mar 2017
-
28.64%(+2.1%)
Dec 2016
26.71%(+3.2%)
28.06%(-2.0%)
Sep 2016
-
28.64%(+8.8%)
Jun 2016
-
26.33%(+10.7%)
Mar 2016
-
23.79%(+11.2%)
Dec 2015
25.89%(-4.7%)
21.39%(-22.7%)
Sep 2015
-
27.66%(+0.5%)
Jun 2015
-
27.53%(+1.9%)
Mar 2015
-
27.02%(-1.2%)
Dec 2014
27.17%(+8.1%)
27.35%(-7.2%)
Sep 2014
-
29.48%(+12.0%)
Jun 2014
-
26.33%(+4.0%)
Mar 2014
-
25.31%(-2.2%)
Dec 2013
25.13%(-3.0%)
25.87%(+0.8%)
Sep 2013
-
25.66%(-0.2%)
Jun 2013
-
25.70%(+10.4%)
Mar 2013
-
23.28%(-9.1%)
Dec 2012
25.91%(+8.7%)
25.61%(-0.2%)
Sep 2012
-
25.65%(-0.1%)
Jun 2012
-
25.68%(-3.7%)
Mar 2012
-
26.68%(+8.5%)
Dec 2011
23.83%(+2.7%)
24.60%(+5.8%)
Sep 2011
-
23.26%(-5.1%)
Jun 2011
-
24.51%(+6.8%)
Mar 2011
-
22.96%(-2.8%)
Dec 2010
23.20%(+19.3%)
23.63%(-2.8%)
Sep 2010
-
24.31%(+3.4%)
Jun 2010
-
23.50%(+9.5%)
Mar 2010
-
21.46%(-40.0%)
Dec 2009
19.44%(-10.1%)
35.76%(+31.2%)
Sep 2009
-
27.26%(+19.9%)
Jun 2009
-
22.73%(-16.0%)
Mar 2009
-
27.05%(+5.9%)
Dec 2008
21.63%(+5.8%)
25.55%(+27.3%)
Sep 2008
-
20.07%(-9.7%)
Jun 2008
-
22.22%(+3.5%)
Mar 2008
-
21.46%(-22.7%)
Dec 2007
20.45%(-2.3%)
27.75%(+30.5%)
Sep 2007
-
21.26%(+1.9%)
Jun 2007
-
20.86%(+14.6%)
Mar 2007
-
18.21%(-32.4%)
Dec 2006
20.94%
26.92%(+27.6%)
Sep 2006
-
21.10%(-0.5%)
Jun 2006
-
21.20%(-1.2%)
DateAnnualQuarterly
Mar 2006
-
21.45%(-3.1%)
Dec 2005
22.48%(-1.7%)
22.13%(-2.0%)
Sep 2005
-
22.59%(-2.5%)
Jun 2005
-
23.16%(+4.9%)
Mar 2005
-
22.08%(-6.0%)
Dec 2004
22.88%(+2.5%)
23.49%(+1.6%)
Sep 2004
-
23.11%(+2.3%)
Jun 2004
-
22.58%(+2.0%)
Mar 2004
-
22.13%(-1.7%)
Dec 2003
22.33%(+7.9%)
22.51%(-0.4%)
Sep 2003
-
22.60%(-1.9%)
Jun 2003
-
23.03%(+8.7%)
Mar 2003
-
21.19%(+2.3%)
Dec 2002
20.70%(+73.8%)
20.71%(-6.5%)
Sep 2002
-
22.16%(+4.3%)
Jun 2002
-
21.25%(+13.6%)
Mar 2002
-
18.70%(+117.4%)
Dec 2001
11.91%(-25.7%)
8.60%(-16.4%)
Sep 2001
-
10.29%(-40.3%)
Jun 2001
-
17.25%(+53.6%)
Mar 2001
-
11.23%(-28.1%)
Dec 2000
16.02%(-1.1%)
15.61%(-2.2%)
Sep 2000
-
15.96%(-3.1%)
Jun 2000
-
16.47%(+3.7%)
Mar 2000
-
15.88%(+0.6%)
Dec 1999
16.20%(+21.3%)
15.78%(-1.5%)
Sep 1999
-
16.02%(-2.1%)
Jun 1999
-
16.36%(-2.0%)
Mar 1999
-
16.69%(+5.6%)
Dec 1998
13.35%(-8.7%)
15.81%(+3.5%)
Sep 1998
-
15.28%(+88.4%)
Jun 1998
-
8.11%(-43.0%)
Mar 1998
-
14.22%(-30.4%)
Dec 1997
14.63%(+2.5%)
20.43%(-2.1%)
Sep 1997
-
20.86%(+3.2%)
Jun 1997
-
20.22%(-3.4%)
Mar 1997
-
20.94%(+6.0%)
Dec 1996
14.28%(+6.1%)
19.75%(-3.1%)
Sep 1996
-
20.38%(+4.1%)
Jun 1996
-
19.57%(-2.3%)
Mar 1996
-
20.03%(+1.1%)
Dec 1995
13.46%(+1.5%)
19.81%(-0.6%)
Sep 1995
-
19.93%(+6.9%)
Jun 1995
-
18.64%(-0.5%)
Mar 1995
-
18.73%(+1.1%)
Dec 1994
13.26%(-9.1%)
18.53%(+9.8%)
Sep 1994
-
16.87%(-3.0%)
Jun 1994
-
17.39%(-0.2%)
Mar 1994
-
17.43%(+12.5%)
Dec 1993
14.59%(+108.4%)
15.50%(-34.5%)
Sep 1993
-
23.67%(+14.1%)
Jun 1993
-
20.74%(-37.6%)
Mar 1993
-
33.26%(+88.4%)
Dec 1992
7.00%(+9900.0%)
17.65%(+7.8%)
Sep 1992
-
16.37%(+34.6%)
Jun 1992
-
12.16%(+58.1%)
Mar 1992
-
7.69%(+53.8%)
Dec 1991
0.07%(+102.8%)
5.00%(+313.2%)
Sep 1991
-
1.21%(+116.9%)
Jun 1991
-
-7.14%(-582.4%)
Mar 1991
-
1.48%(-0.7%)
Dec 1990
-2.54%(-434.2%)
1.49%(+106.2%)
Sep 1990
-
-24.15%(-1720.8%)
Jun 1990
-
1.49%(+16.4%)
Mar 1990
-
1.28%(+2.4%)
Dec 1989
0.76%(0.0%)
1.25%(-42.9%)
Sep 1989
-
2.19%(+14.1%)
Jun 1989
-
1.92%(+7.9%)
Mar 1989
-
1.78%
Dec 1988
0.76%(+11.8%)
-
Dec 1987
0.68%(+133.7%)
-
Dec 1986
-2.02%(-168.9%)
-
Dec 1985
2.93%(-29.6%)
-
Dec 1984
4.16%(+159.8%)
-
Dec 1983
-6.96%(-194.1%)
-
Dec 1982
7.40%(+21.7%)
-
Dec 1981
6.08%(-5.7%)
-
Dec 1980
6.45%
-

FAQ

  • What is Cullen/Frost Bankers, Inc. annual net profit margin?
  • What is the all-time high annual net margin for Cullen/Frost Bankers, Inc.?
  • What is Cullen/Frost Bankers, Inc. annual net margin year-on-year change?
  • What is Cullen/Frost Bankers, Inc. quarterly net profit margin?
  • What is the all-time high quarterly net margin for Cullen/Frost Bankers, Inc.?
  • What is Cullen/Frost Bankers, Inc. quarterly net margin year-on-year change?

What is Cullen/Frost Bankers, Inc. annual net profit margin?

The current annual net margin of CFR is 20.27%

What is the all-time high annual net margin for Cullen/Frost Bankers, Inc.?

Cullen/Frost Bankers, Inc. all-time high annual net profit margin is 32.33%

What is Cullen/Frost Bankers, Inc. annual net margin year-on-year change?

Over the past year, CFR annual net profit margin has changed by -2.17% (-9.67%)

What is Cullen/Frost Bankers, Inc. quarterly net profit margin?

The current quarterly net margin of CFR is 30.74%

What is the all-time high quarterly net margin for Cullen/Frost Bankers, Inc.?

Cullen/Frost Bankers, Inc. all-time high quarterly net profit margin is 35.76%

What is Cullen/Frost Bankers, Inc. quarterly net margin year-on-year change?

Over the past year, CFR quarterly net profit margin has changed by +10.62% (+52.78%)
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