United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q | Texas | | 74-1751768 | | --- | --- | --- | | (State or other jurisdiction of incorporation or organization) | | (I.R.S. Employer Identification No.) | | 111 W. Houston Street, Texas | San Antonio, | 78205 | | (Address of principal executive offices) | | (Zip code) | (210) 220-4011 ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2025 Or ☐ ...

Cullen/Frost Bankers (NYSE:CFR) Q3 2025 Earnings Call October 30, 2025 02:00 PM ET Speaker4Thank you for your patience. The conference will be beginning in just a few minutes. Again, thank you for your patience. Greetings. Welcome to Cullen/Frost Bankers, Inc.'s third quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please pres ...

Exhibit 99 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 30, 2025 CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock SAN ANTONIO -- Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported third quarter 2025 results. Net income available to common shareholders for the third quarter of 2025 was $172.7 million compared to $144.8 million for the third quarter of 2024. On a per-share bas ...

Live Webcast , /PRNewswire/ --Â Cullen/Frost Bankers, Inc. (NYSE: CFR) will host a conference call on Thursday, October 30, 2025 to discuss third quarter 2025 earnings. Earnings Release : The earnings release for Cullen/Frost Bankers, Inc. will be available at approximately 8:00 a.m. Central Time (CT) on the internet at https://investor.frostbank.com/. Conference Call and Live Webcast : The conference call will begin at 1:00 p.m. CT (2:00 p.m. Eastern) and will be hosted by Phil Green, Chairman and CEO, Dan ...

公司业绩表现 - 公司过去两个季度的平均盈利超出预期幅度为5.41% [1] - 最近一个季度公司每股收益为2.39美元，超出市场共识预期2.28美元，超出幅度为4.82% [2] - 上一季度公司每股收益为2.30美元，超出市场共识预期2.17美元，超出幅度为5.99% [2] 未来业绩预期 - 得益于盈利超预期的历史记录，市场对公司的盈利预期呈上升趋势 [5] - 公司目前的Zacks盈利ESP（预期惊喜预测）为+1.40%，表明分析师近期对其盈利前景转为乐观 [8] - 结合其积极的盈利ESP和Zacks第三级（持有）评级，预示公司可能再次实现盈利超预期 [8] 投资方法论 - 研究表明，同时具备积极盈利ESP和Zacks第三级或更优评级的股票，有近70%的概率实现盈利正惊喜 [6] - 盈利ESP将最准确预期与共识预期进行比较，修订预期较晚的分析师可能掌握更准确信息 [7] - 建议在公司季度财报发布前检查其盈利ESP，以提高投资成功概率 [9]

Investors interested in stocks from the Banks - Southwest sector have probably already heard of First Horizon National (FHN) and Cullen/Frost Bankers (CFR) . But which of these two stocks is more attractive to value investors? We'll need to take a closer look to find out.The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The Zacks Rank favors stocks with strong earnings estimate revision trends, and our Style Scor ...

Joining us now is former chief investment strategist at Bridgewater Associates, senior fellow now at the Council on Foreign Relations, uh, Rebecca Patterson. Rebecca, welcome. >> Good to be here.Happy Friday. >> Happy Friday. You see any evidence of inflation from tariffs.>> I think most economists do. So, I'm super excited to hear what Governor Myin has to say in more detail Monday when he speaks at the Economic Club of New York. I mean, just to give you one of many examples, if you look at appliances, las ...

公司近期表现 - Cullen/Frost银行近期业绩表现好坏参半 [1] - 该优质德克萨斯银行盈利略高于预期 [1] - 市场对超预期盈利表现给予负面反馈 [1] 投资策略特征 - 采用长期买入持有投资策略 [1] - 侧重能够持续产生高质量盈利的股票 [1] - 重点关注股息和收益类投资标的 [1] 研究覆盖范围 - 研究覆盖范围包括美国和加拿大股票 [1] - 同时重点关注英国市场投资标的 [1] - 研究内容通过The Compound Investor和The UK Income Investor平台发布 [1]

研究合作与成果 - 公司宣布在《Journal of the Mechanical Behavior of Biomedical Materials》发表经同行评审的研究 验证碳纤维增强聚醚酮酮（CFR-PEKK）创伤板上氮化硅（Si₃N₄）表面涂层的应用[1] - 研究由美国国家卫生研究院下属国家关节炎和肌肉骨骼及皮肤疾病研究所支持（资助号R41AR082266） 并与德雷塞尔大学生物医学工程科学健康系统学院植入物研究中心合作完成[1] 技术突破与特性 - 专有工艺成功将氮化硅集成至3D打印连续碳纤维（CCF）PEKK复合材料 且未影响弯曲强度或刚度[2] - 混合制造的CFR-PEKK板通过特定铺层配置实现与皮质骨力学刚度相匹配（1.7–16.3 GPa） 优化骨愈合应力分布[6] - 标准化四点弯曲测试和微观结构分析证实 氮化硅涂层对弯曲模量或强度无统计学显著影响[6] - 该颗粒嵌入技术可扩展至多种其他热塑性塑料（包括聚醚醚酮PEEK） 赋予传统惰性生物材料氮化硅的有益生物特性[2] 临床与商业价值 - 氮化硅的骨传导性和抗菌特性可促进骨整合并降低感染风险 提升创伤和重建手术的临床效果[6] - 技术突破标志着公司生物材料平台向增材制造聚合物-碳-陶瓷结构的重大扩展[1] - 研究成果支持公司广泛的知识产权组合和商业化战略 针对骨科创伤、脊柱和定制手术植入物的未满足需求[5] 公司背景与定位 - 公司是先进陶瓷领域全球领导者 专注于医疗和农业生物技术应用的材料、组件和技术开发与商业化[6] - 自2008年以来 公司氮化硅产品已应用于人体植入 并通过战略收购和联盟进入新市场[6][7]

核心财务表现 - 第二季度每股收益(EPS)为2 39美元 同比增长8 1% 超出市场预期4 8% [1] - 净利润达1 553亿美元 同比增长7 9% [2] - 总营收5 678亿美元 同比增长7 4% 超预期1 9% [3] - 净利息收入(NII)4 506亿美元 同比增长6 9% 净息差(NIM)扩大13个基点至3 67% [3] - 非利息收入1 172亿美元 同比增长5 5% [4] 资产负债情况 - 贷款总额212亿美元 环比增长1 7% 存款总额417亿美元 环比下降1 7% [5] - 信贷损失拨备1300万美元 同比减少270万美元 [6] - 贷款损失拨备率1 31% 上升3个基点 年化净核销率0 21% 上升1个基点 [6] 资本与盈利能力 - 一级资本充足率14 43% 同比提升61个基点 总资本充足率15 88% 提升61个基点 [7] - 杠杆率8 98% 同比提升36个基点 [9] - 平均资产回报率1 20% 平均普通股回报率15 59% [9] 股息与同业比较 - 宣布第三季度股息1美元/股 同比增长5 3% [10] - 同业Hancock Whitney每股收益1 37美元 超预期4 6% 受益于非利息收入增长 [13] - Bank OZK每股收益1 58美元 超预期3 9% 净利息收入增长为主要驱动力 [14] 经营亮点与挑战 - 得克萨斯州市场扩张战略取得进展 [11] - 非利息支出3 471亿美元 同比增长9 5% 高于预期 [4] - 尽管业绩超预期 股价单日下跌4 9% 反映市场对支出增长和信贷拨备的担忧 [2][8]