What is the current annual net margin of CFR?

As of today, CFR annual net margin is 29.02%

What is 1-year change in CFR annual net margin?

CFR annual net margin is up +43.17% year-over-year

What is 3-year change in CFR annual net margin?

CFR annual net margin is down -5.13% over the past 3 years

How far is CFR annual net margin from its all-time high?

CFR annual net margin is currently -10.24% below its historical high of 32.33% set on December 31, 2018

How does CFR annual net margin rank versus sector peers?

CFR annual net margin is higher than 87.81% of companies in Financial Services sector

When is CFR next annual earnings release?

As of today, the next annual earnings release for CFR has not been scheduled

What is the current quarterly net margin of CFR?

As of today, CFR quarterly net margin is 23.58%

What is CFR quarterly net margin most recent change?

CFR quarterly net margin was down -0.42% on June 30, 2026

What is 1-year change in CFR quarterly net margin?

CFR quarterly net margin is up +8.81% year-over-year

How far is CFR quarterly net margin from its all-time high?

CFR quarterly net margin is currently -34.06% below its historical high of 35.76% set on December 31, 2009

How does CFR quarterly net margin rank versus sector peers?

CFR quarterly net margin is higher than 73.49% of companies in Financial Services sector

When is CFR next earnings release?

The next earnings release for CFR is on October 29, 2026

CFR Net Margin History & Chart Since 1980

Annual Net Margin

29.02%8.75%+43.17%

December 31, 2025

Summary

Current Value: As of today, CFR annual net margin is 29.02%, up +43.17% on December 31, 2025
Historical Performance: CFR annual net margin is down -5.13% over the past 3 years, up +30.54% over the past 5 years
All-Time High Comparison: CFR annual net margin is currently -10.24% below its historical high of 32.33% set on December 31, 2018
3-Year Low Comparison: CFR annual net margin is +43.17% above its 3-year low of 20.27% reached on December 31, 2024
Sector Comparison: CFR annual net margin is higher than 87.81% of companies in Financial Services sector

Net Margin Chart

beforeafter

Performance

CFR Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 25	29.02%	+43.2%	-5.1%	+30.5%	+25.1%
Quarterly Net Margin	Jun 30, 26	23.58%	+8.8%	-5.3%	-28.8%	-3.8%
Price	Aug 27, 26	$161.39	+22.3%	+69.6%	+39.0%	+227.8%
PE Ratio	Aug 27, 26	15.26	+7.4%	+70.7%	-15.4%	+9.0%
Annual Revenue	Dec 31, 25	$2.91B	+2.4%	+55.2%	+97.4%	+224.8%
Annual Net Income	Dec 31, 25	$642.15M	+11.4%	+11.9%	+95.8%	+208.8%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 25	34.52%	+41.0%	-3.1%	+45.0%	+16.2%

Net Margin Highs

CFR Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	30.59%	N/A	-5.1%
5Y	31.66%	Dec 31, 21	-8.3%
All	32.33%	Dec 31, 18	-10.2%

Net Margin Lows

CFR Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	20.27%	Dec 31, 24	+43.2%
5Y	20.27%	Dec 31, 24	+43.2%
All	-6.96%	Dec 1, 83	+517.0%

Net Margin History

Year	Value	Change
2025	29.02%	+43.2%
2024	20.27%	-9.7%
2023	22.44%	-26.6%
2022	30.59%	-3.4%
2021	31.66%	+42.4%
2020	22.23%	-24.5%
2019	29.44%	-8.9%
2018	32.33%	+9.4%
2017	29.55%	+10.6%
2016	26.71%	+3.2%
2015	25.89%	-4.7%
2014	27.17%	+8.1%
2013	25.13%	-3.0%
2012	25.91%	+8.7%
2011	23.83%	+2.7%
2010	23.20%	+19.3%
2009	19.44%	-10.1%
2008	21.63%	+5.8%
2007	20.45%	-2.3%
2006	20.94%	-6.9%
2005	22.48%	-1.7%
2004	22.88%	+2.5%
2003	22.33%	+7.9%

Year	Value	Change
2002	20.70%	+73.8%
2001	11.91%	-25.7%
2000	16.02%	-1.1%
1999	16.20%	+21.3%
1998	13.35%	-8.7%
1997	14.63%	+2.5%
1996	14.28%	+6.1%
1995	13.46%	+1.5%
1994	13.26%	-9.1%
1993	14.59%	+108.4%
1992	7.00%	+9,900.0%
1991	0.07%	+102.8%
1990	-2.54%	-434.2%
1989	0.76%	0.0%
1988	0.76%	+11.8%
1987	0.68%	+133.7%
1986	-2.02%	-168.9%
1985	2.93%	-29.6%
1984	4.16%	+159.8%
1983	-6.96%	-194.1%
1982	7.40%	+21.7%
1981	6.08%	-5.7%
1980	6.45%	-

FAQ

What is the current annual net margin of CFR?: As of today, CFR annual net margin is 29.02%
What is 1-year change in CFR annual net margin?: CFR annual net margin is up +43.17% year-over-year
What is 3-year change in CFR annual net margin?: CFR annual net margin is down -5.13% over the past 3 years
How far is CFR annual net margin from its all-time high?: CFR annual net margin is currently -10.24% below its historical high of 32.33% set on December 31, 2018
How does CFR annual net margin rank versus sector peers?: CFR annual net margin is higher than 87.81% of companies in Financial Services sector
When is CFR next annual earnings release?: As of today, the next annual earnings release for CFR has not been scheduled

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Quarterly Net Margin

23.58%0.10%-0.42%

June 30, 2026

Summary

Current Value: As of today, CFR quarterly net margin is 23.58%, down -0.42% on June 30, 2026
Historical Performance: CFR quarterly net margin is up +8.81% year-over-year, down -5.30% over the past 3 years
All-Time High Comparison: CFR quarterly net margin is currently -34.06% below its historical high of 35.76% set on December 31, 2009
3-Year Low Comparison: CFR quarterly net margin is +60.52% above its 3-year low of 14.69% reached on December 31, 2023
Sector Comparison: CFR quarterly net margin is higher than 73.49% of companies in Financial Services sector

Performance

CFR Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Jun 30, 26	23.58%	-0.4%	+8.8%	-5.3%	-28.8%
Annual Net Margin	Dec 31, 25	29.02%	–	+43.2%	-5.1%	+30.5%
Price	Aug 27, 26	$161.39	+17.2%	+22.3%	+69.6%	+39.0%
PE Ratio	Aug 27, 26	15.26	+13.8%	+7.4%	+70.7%	-15.4%
Quarterly Revenue	Jun 30, 26	$721.25M	+1.1%	+0.5%	+11.9%	+104.2%
Quarterly Net Income	Jun 30, 26	$170.07M	+0.7%	+9.4%	+6.0%	+45.5%
Quarterly Gross Margin	Jun 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Jun 30, 26	35.51%	+25.1%	+36.5%	+18.1%	-5.8%

Quarterly Net Margin Highs

CFR Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	23.68%	Mar 31, 26	-0.4%
3Y	24.90%	N/A	-5.3%
5Y	33.15%	Sep 30, 22	-28.9%
All	35.76%	Dec 31, 09	-34.1%

Quarterly Net Margin Lows

CFR Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	21.67%	N/A	+8.8%
3Y	14.69%	Dec 31, 23	+60.5%
5Y	14.69%	Dec 31, 23	+60.5%
All	-24.15%	Sep 30, 90	+197.6%

Quarterly Net Margin History

Month	Value	Change
Jun 2026	23.58%	-0.4%
Mar 2026	23.68%	+6.9%
Dec 2025	22.15%	-4.5%
Sep 2025	23.19%	+7.0%
Jun 2025	21.67%	+2.5%
Mar 2025	21.14%	-0.6%
Dec 2024	21.26%	+5.7%
Sep 2024	20.12%	-1.2%
Jun 2024	20.37%	+5.7%
Mar 2024	19.28%	+31.2%
Dec 2023	14.69%	-36.7%
Sep 2023	23.20%	-6.8%
Jun 2023	24.90%	-9.5%
Mar 2023	27.51%	-11.5%
Dec 2022	31.08%	-6.2%
Sep 2022	33.15%	+13.2%
Jun 2022	29.28%	+6.2%
Mar 2022	27.58%	-2.9%
Dec 2021	28.39%	-8.9%
Sep 2021	31.18%	-5.8%
Jun 2021	33.11%	-3.8%
Mar 2021	34.42%	+33.5%
Dec 2020	25.79%	-8.5%
Sep 2020	28.19%	+1.4%
Jun 2020	27.79%	+140.8%
Mar 2020	11.54%	-58.3%
Dec 2019	27.66%	-6.5%
Sep 2019	29.58%	-1.0%
Jun 2019	29.89%	-2.4%
Mar 2019	30.61%	-5.1%
Dec 2018	32.25%	-2.2%
Sep 2018	32.97%	+2.0%
Jun 2018	32.32%	+1.8%
Mar 2018	31.75%	+2.7%
Dec 2017	30.91%	+2.7%
Sep 2017	30.10%	+5.9%
Jun 2017	28.41%	-0.8%
Mar 2017	28.64%	+2.1%
Dec 2016	28.06%	-2.0%
Sep 2016	28.64%	+8.8%
Jun 2016	26.33%	+10.7%
Mar 2016	23.79%	+11.2%
Dec 2015	21.39%	-22.7%
Sep 2015	27.66%	+0.5%
Jun 2015	27.53%	+1.9%
Mar 2015	27.02%	-1.2%
Dec 2014	27.35%	-7.2%
Sep 2014	29.48%	+12.0%
Jun 2014	26.33%	+4.0%
Mar 2014	25.31%	-2.2%
Dec 2013	25.87%	+0.8%
Sep 2013	25.66%	-0.2%
Jun 2013	25.70%	+10.4%
Mar 2013	23.28%	-9.1%
Dec 2012	25.61%	-0.2%
Sep 2012	25.65%	-0.1%
Jun 2012	25.68%	-3.7%
Mar 2012	26.68%	+8.5%
Dec 2011	24.60%	+5.8%
Sep 2011	23.26%	-5.1%
Jun 2011	24.51%	+6.8%
Mar 2011	22.96%	-2.8%
Dec 2010	23.63%	-2.8%
Sep 2010	24.31%	+3.4%
Jun 2010	23.50%	+9.5%
Mar 2010	21.46%	-40.0%
Dec 2009	35.76%	+31.2%
Sep 2009	27.26%	+19.9%
Jun 2009	22.73%	-16.0%
Mar 2009	27.05%	+5.9%
Dec 2008	25.55%	+27.3%
Sep 2008	20.07%	-9.7%
Jun 2008	22.22%	+3.5%
Mar 2008	21.46%	-22.7%
Dec 2007	27.75%	+30.5%

Month	Value	Change
Sep 2007	21.26%	+1.9%
Jun 2007	20.86%	+14.6%
Mar 2007	18.21%	-32.4%
Dec 2006	26.92%	+27.6%
Sep 2006	21.10%	-0.5%
Jun 2006	21.20%	-1.2%
Mar 2006	21.45%	-3.1%
Dec 2005	22.13%	-2.0%
Sep 2005	22.59%	-2.5%
Jun 2005	23.16%	+4.9%
Mar 2005	22.08%	-6.0%
Dec 2004	23.49%	+1.6%
Sep 2004	23.11%	+2.3%
Jun 2004	22.58%	+2.0%
Mar 2004	22.13%	-1.7%
Dec 2003	22.51%	-0.4%
Sep 2003	22.60%	-1.9%
Jun 2003	23.03%	+8.7%
Mar 2003	21.19%	+2.3%
Dec 2002	20.71%	-6.5%
Sep 2002	22.16%	+4.3%
Jun 2002	21.25%	+13.6%
Mar 2002	18.70%	+117.4%
Dec 2001	8.60%	-16.4%
Sep 2001	10.29%	-40.3%
Jun 2001	17.25%	+53.6%
Mar 2001	11.23%	-28.1%
Dec 2000	15.61%	-2.2%
Sep 2000	15.96%	-3.1%
Jun 2000	16.47%	+3.7%
Mar 2000	15.88%	+0.6%
Dec 1999	15.78%	-1.5%
Sep 1999	16.02%	-2.1%
Jun 1999	16.36%	-2.0%
Mar 1999	16.69%	+5.6%
Dec 1998	15.81%	+3.5%
Sep 1998	15.28%	+88.4%
Jun 1998	8.11%	-43.0%
Mar 1998	14.22%	-30.4%
Dec 1997	20.43%	-2.1%
Sep 1997	20.86%	+3.2%
Jun 1997	20.22%	-3.4%
Mar 1997	20.94%	+6.0%
Dec 1996	19.75%	-3.1%
Sep 1996	20.38%	+4.1%
Jun 1996	19.57%	-2.3%
Mar 1996	20.03%	+1.1%
Dec 1995	19.81%	-0.6%
Sep 1995	19.93%	+6.9%
Jun 1995	18.64%	-0.5%
Mar 1995	18.73%	+1.1%
Dec 1994	18.53%	+9.8%
Sep 1994	16.87%	-3.0%
Jun 1994	17.39%	-0.2%
Mar 1994	17.43%	+12.5%
Dec 1993	15.50%	-34.5%
Sep 1993	23.67%	+14.1%
Jun 1993	20.74%	-37.6%
Mar 1993	33.26%	+88.4%
Dec 1992	17.65%	+7.8%
Sep 1992	16.37%	+34.6%
Jun 1992	12.16%	+58.1%
Mar 1992	7.69%	+53.8%
Dec 1991	5.00%	+313.2%
Sep 1991	1.21%	+116.9%
Jun 1991	-7.14%	-582.4%
Mar 1991	1.48%	-0.7%
Dec 1990	1.49%	+106.2%
Sep 1990	-24.15%	-1,720.8%
Jun 1990	1.49%	+16.4%
Mar 1990	1.28%	+2.4%
Dec 1989	1.25%	-42.9%
Sep 1989	2.19%	+14.1%
Jun 1989	1.92%	+7.9%
Mar 1989	1.78%	-

FAQ

What is the current quarterly net margin of CFR?: As of today, CFR quarterly net margin is 23.58%
What is CFR quarterly net margin most recent change?: CFR quarterly net margin was down -0.42% on June 30, 2026
What is 1-year change in CFR quarterly net margin?: CFR quarterly net margin is up +8.81% year-over-year
How far is CFR quarterly net margin from its all-time high?: CFR quarterly net margin is currently -34.06% below its historical high of 35.76% set on December 31, 2009
How does CFR quarterly net margin rank versus sector peers?: CFR quarterly net margin is higher than 73.49% of companies in Financial Services sector
When is CFR next earnings release?: The next earnings release for CFR is on October 29, 2026

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Data Sources & References

CFR Official Website www.frostbank.com
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/39263/000003926326000011/0000039263-26-000011-index.htm
CFR Profile on Yahoo Finance finance.yahoo.com/quote/CFR
CFR Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/cfr