What is the current annual operating margin of CFR?

As of today, CFR annual operating margin is 34.52%

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

CFR annual operating margin is up +41.01% year-over-year

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

CFR annual operating margin is down -3.14% over the past 3 years

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

CFR annual operating margin is currently -5.16% below its historical high of 36.40% set on December 31, 2018

How does CFR annual operating margin rank versus sector peers?

CFR annual operating margin is higher than 81.89% 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 operating margin of CFR?

As of today, CFR quarterly operating margin is 28.38%

What is CFR quarterly operating margin most recent change?

CFR quarterly operating margin was up +6.49% on March 31, 2026

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

CFR quarterly operating margin is up +12.04% year-over-year

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

CFR quarterly operating margin is currently -65.04% below its historical high of 81.17% set on June 30, 2009

How does CFR quarterly operating margin rank versus sector peers?

CFR quarterly operating margin is higher than 67.89% of companies in Financial Services sector

When is CFR next earnings release?

The next earnings release for CFR is on July 30, 2026

CFR Operating Margin History & Chart Since 1980

Annual Operating Margin

34.52%10.04%+41.01%

December 31, 2025

Summary

Current Value: As of today, CFR annual operating margin is 34.52%, up +41.01% on December 31, 2025
Historical Performance: CFR annual operating margin is down -3.14% over the past 3 years, up +44.98% over the past 5 years
All-Time High Comparison: CFR annual operating margin is currently -5.16% below its historical high of 36.40% set on December 31, 2018
3-Year Low Comparison: CFR annual operating margin is +41.01% above its 3-year low of 24.48% reached on December 31, 2024
Sector Comparison: CFR annual operating margin is higher than 81.89% of companies in Financial Services sector

Operating Margin Chart

Performance

CFR Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Operating Margin	Dec 31, 25	34.52%	+41.0%	-3.1%	+45.0%	+16.2%
Quarterly Operating Margin	Mar 31, 26	28.38%	+12.0%	-13.9%	-22.8%	-1.0%
Price	Jul 17, 26	$161.65	+16.7%	+46.8%	+53.6%	+193.7%
PE Ratio	Jul 17, 26	15.74	+5.5%	+52.2%	-3.6%	+0.6%
Annual Revenue	Dec 31, 25	$2.91B	+2.4%	+55.2%	+97.4%	+224.8%
Annual Operating Profit	Dec 31, 25	$771.70M	+10.9%	+15.4%	+119.7%	+189.7%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Net Margin	Dec 31, 25	29.02%	+43.2%	-5.1%	+30.5%	+25.1%

Operating Margin Highs

CFR Annual Operating Margin Highs Comparison
Period	High	Date	Current
3Y	35.64%	N/A	-3.1%
5Y	35.64%	Dec 31, 22	-3.1%
All	36.40%	Dec 31, 18	-5.2%

Operating Margin Lows

CFR Annual Operating Margin Lows Comparison
Period	Low	Date	Current
3Y	24.48%	Dec 31, 24	+41.0%
5Y	23.81%	N/A	+45.0%
All	-13.20%	Dec 1, 83	+361.5%

Operating Margin History

Year	Value	Change
2025	34.52%	+41.0%
2024	24.48%	-9.4%
2023	27.01%	-24.2%
2022	35.64%	+1.0%
2021	35.29%	+48.2%
2020	23.81%	-28.8%
2019	33.42%	-8.2%
2018	36.40%	+9.2%
2017	33.32%	+10.7%
2016	30.09%	+1.2%
2015	29.74%	-9.8%
2014	32.96%	+6.9%
2013	30.84%	-8.5%
2012	33.69%	+7.1%
2011	31.46%	+5.9%
2010	29.71%	+17.6%
2009	25.27%	-17.1%
2008	30.49%	+0.3%
2007	30.39%	-1.8%
2006	30.95%	-5.1%
2005	32.62%	-3.1%
2004	33.67%	+2.2%
2003	32.95%	+8.1%

Year	Value	Change
2002	30.49%	+46.2%
2001	20.85%	-12.7%
2000	23.89%	-1.8%
1999	24.33%	+6.1%
1998	22.93%	+0.8%
1997	22.74%	+2.1%
1996	22.27%	+6.8%
1995	20.85%	+0.7%
1994	20.70%	+13.8%
1993	18.19%	+77.3%
1992	10.26%	+3,437.9%
1991	0.29%	+111.7%
1990	-2.47%	-401.2%
1989	0.82%	-1.2%
1988	0.83%	+1.2%
1987	0.82%	+140.6%
1986	-2.02%	-168.7%
1985	2.94%	-30.7%
1984	4.24%	+132.1%
1983	-13.20%	-243.2%
1982	9.22%	+9.9%
1981	8.39%	-1.9%
1980	8.55%	-

FAQ

What is the current annual operating margin of CFR?
As of today, CFR annual operating margin is 34.52%
What is 1-year change in CFR annual operating margin?
CFR annual operating margin is up +41.01% year-over-year
What is 3-year change in CFR annual operating margin?
CFR annual operating margin is down -3.14% over the past 3 years
How far is CFR annual operating margin from its all-time high?
CFR annual operating margin is currently -5.16% below its historical high of 36.40% set on December 31, 2018
How does CFR annual operating margin rank versus sector peers?
CFR annual operating margin is higher than 81.89% 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

Operating Margin Formula

Operating Profit Margin = Operating Income

Revenue × 100%

Quarterly Operating Margin

28.38%1.73%+6.49%

March 31, 2026

Summary

Current Value: As of today, CFR quarterly operating margin is 28.38%, up +6.49% on March 31, 2026
Historical Performance: CFR quarterly operating margin is up +12.04% year-over-year, down -13.95% over the past 3 years
All-Time High Comparison: CFR quarterly operating margin is currently -65.04% below its historical high of 81.17% set on June 30, 2009
3-Year Low Comparison: CFR quarterly operating margin is +62.08% above its 3-year low of 17.51% reached on December 31, 2023
Sector Comparison: CFR quarterly operating margin is higher than 67.89% of companies in Financial Services sector

Performance

CFR Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Operating Margin	Mar 31, 26	28.38%	+6.5%	+12.0%	-13.9%	-22.8%
Annual Operating Margin	Dec 31, 25	34.52%	–	+41.0%	-3.1%	+45.0%
Price	Jul 17, 26	$161.65	+12.8%	+16.7%	+46.8%	+53.6%
PE Ratio	Jul 17, 26	15.74	+12.8%	+5.5%	+52.2%	-3.6%
Quarterly Revenue	Mar 31, 26	$713.15M	-4.0%	+0.9%	+11.6%	+111.6%
Quarterly Operating Profit	Mar 31, 26	$202.41M	+2.2%	+13.0%	-4.0%	+63.4%
Quarterly Gross Margin	Mar 31, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Net Margin	Mar 31, 26	23.68%	+6.9%	+12.0%	-13.9%	-31.2%

Quarterly Operating Margin Highs

CFR Quarterly Operating Margin Highs Comparison
Period	High	Date	Current
1Y	28.38%	Mar 31, 26	at high
3Y	30.08%	N/A	-5.7%
5Y	38.95%	Sep 30, 22	-27.1%
All	81.17%	Jun 30, 09	-65.0%

Quarterly Operating Margin Lows

CFR Quarterly Operating Margin Lows Comparison
Period	Low	Date	Current
1Y	26.01%	N/A	+9.1%
3Y	17.51%	Dec 31, 23	+62.1%
5Y	17.51%	Dec 31, 23	+62.1%
All	8.46%	Mar 31, 01	+235.5%

Quarterly Operating Margin History

Month	Value	Change
Mar 2026	28.38%	+6.5%
Dec 2025	26.65%	-4.6%
Sep 2025	27.93%	+7.4%
Jun 2025	26.01%	+2.7%
Mar 2025	25.33%	-0.7%
Dec 2024	25.50%	+4.8%
Sep 2024	24.34%	-1.9%
Jun 2024	24.81%	+6.8%
Mar 2024	23.23%	+32.7%
Dec 2023	17.51%	-37.8%
Sep 2023	28.14%	-6.4%
Jun 2023	30.08%	-8.8%
Mar 2023	32.98%	-8.6%
Dec 2022	36.07%	-7.4%
Sep 2022	38.95%	+12.4%
Jun 2022	34.66%	+10.5%
Mar 2022	31.37%	-0.2%
Dec 2021	31.44%	-11.0%
Sep 2021	35.33%	-6.3%
Jun 2021	37.70%	+2.6%
Mar 2021	36.76%	+28.5%
Dec 2020	28.61%	-8.6%
Sep 2020	31.30%	+13.2%
Jun 2020	27.66%	+124.1%
Mar 2020	12.34%	-60.9%
Dec 2019	31.54%	-5.6%
Sep 2019	33.42%	-2.1%
Jun 2019	34.15%	-1.2%
Mar 2019	34.57%	+16.6%
Dec 2018	29.64%	-20.9%
Sep 2018	37.45%	+2.4%
Jun 2018	36.57%	+3.6%
Mar 2018	35.31%	+4.1%
Dec 2017	33.93%	+1.4%
Sep 2017	33.47%	+0.9%
Jun 2017	33.17%	+1.6%
Mar 2017	32.65%	+5.1%
Dec 2016	31.06%	-4.8%
Sep 2016	32.63%	+10.5%
Jun 2016	29.54%	+8.8%
Mar 2016	27.14%	+19.0%
Dec 2015	22.81%	-29.2%
Sep 2015	32.20%	-0.6%
Jun 2015	32.38%	+2.3%
Mar 2015	31.65%	-5.0%
Dec 2014	33.31%	-7.7%
Sep 2014	36.08%	+13.6%
Jun 2014	31.76%	+4.4%
Mar 2014	30.43%	-5.2%
Dec 2013	32.09%	+4.0%
Sep 2013	30.86%	-1.3%
Jun 2013	31.28%	+7.4%
Mar 2013	29.12%	-14.9%
Dec 2012	34.20%	+3.0%
Sep 2012	33.22%	+1.0%
Jun 2012	32.88%	-4.6%
Mar 2012	34.45%	+4.3%

Month	Value	Change
Dec 2011	33.02%	-1.3%
Sep 2011	33.44%	+9.2%
Jun 2011	30.63%	+6.8%
Mar 2011	28.67%	-4.0%
Dec 2010	29.87%	-4.1%
Sep 2010	31.16%	+2.0%
Jun 2010	30.55%	+11.9%
Mar 2010	27.29%	-42.6%
Dec 2009	47.54%	+43.6%
Sep 2009	33.11%	-59.2%
Jun 2009	81.17%	+3.9%
Mar 2009	78.12%	+115.4%
Dec 2008	36.27%	+26.2%
Sep 2008	28.75%	-10.0%
Jun 2008	31.93%	+3.2%
Mar 2008	30.93%	-23.2%
Dec 2007	40.28%	+28.6%
Sep 2007	31.32%	+2.9%
Jun 2007	30.44%	+12.7%
Mar 2007	27.02%	-31.3%
Dec 2006	39.32%	+26.3%
Sep 2006	31.13%	-0.9%
Jun 2006	31.41%	-1.0%
Mar 2006	31.74%	-2.8%
Dec 2005	32.67%	-1.5%
Sep 2005	33.16%	+0.7%
Jun 2005	32.93%	+4.1%
Mar 2005	31.64%	-9.3%
Dec 2004	34.87%	+2.2%
Sep 2004	34.13%	+2.4%
Jun 2004	33.34%	+2.0%
Mar 2004	32.70%	-2.1%
Dec 2003	33.39%	+0.1%
Sep 2003	33.37%	-1.3%
Jun 2003	33.82%	+8.4%
Mar 2003	31.21%	+2.5%
Dec 2002	30.45%	-0.7%
Sep 2002	30.67%	-2.0%
Jun 2002	31.28%	+14.0%
Mar 2002	27.44%	+118.8%
Dec 2001	12.54%	-18.0%
Sep 2001	15.30%	-39.3%
Jun 2001	25.22%	+198.1%
Mar 2001	8.46%	-68.2%
Dec 2000	26.64%	+9.1%
Sep 2000	24.42%	+0.3%
Jun 2000	24.34%	+0.4%
Mar 2000	24.25%	+0.8%
Dec 1999	24.06%	-1.9%
Sep 1999	24.52%	-1.5%
Jun 1999	24.89%	+4.3%
Mar 1999	23.86%	-26.2%
Dec 1998	32.33%	+38.0%
Sep 1998	23.43%	+68.8%
Jun 1998	13.88%	-37.6%
Mar 1998	22.24%	-

FAQ

What is the current quarterly operating margin of CFR?
As of today, CFR quarterly operating margin is 28.38%
What is CFR quarterly operating margin most recent change?
CFR quarterly operating margin was up +6.49% on March 31, 2026
What is 1-year change in CFR quarterly operating margin?
CFR quarterly operating margin is up +12.04% year-over-year
How far is CFR quarterly operating margin from its all-time high?
CFR quarterly operating margin is currently -65.04% below its historical high of 81.17% set on June 30, 2009
How does CFR quarterly operating margin rank versus sector peers?
CFR quarterly operating margin is higher than 67.89% of companies in Financial Services sector
When is CFR next earnings release?
The next earnings release for CFR is on July 30, 2026

Operating Margin Formula

Operating Profit Margin = Operating 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