C CFR

Cullen Frost Bankers Inc

$138.95

-0.57% ($0.80)

Volume 514,210

52W High $148.97

52W Low $119.00

Market Cap $8.99B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$2.52

Whisper EPS

$2.66

5.6% above consensus

Last Quarter

$2.65

Current Streak

8 Beats

Avg Surprise (4Q)

+9.09%

Next Earnings Report

Reports in 69 days

Report Date Jul 30, 2026

Whisper Spread +5.62%

Consensus Estimate

$2.52

Official analyst average

Whisper Number

$2.66

What traders expect

Bullish Sentiment: The whisper number is 5.6% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q1 2026 Apr 30, 2026

1-Day: -3.15%

5-Day: -3.06%

Q4 2025 Jan 29, 2026

1-Day: -0.68%

5-Day: +1.29%

Q3 2025 Oct 30, 2025

1-Day: -0.24%

5-Day: -0.11%

Q2 2025 Jul 31, 2025

1-Day: -2.52%

5-Day: -1.42%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$745.9M	+3.1%	76.4%	26.5%	$166.3M
Q3'25	$745.6M	+3.3%	75.2%	27.9%	$174.4M
Q2'25	$719.2M	+1.7%	74.2%	26.0%	$157.0M
Q1'25	$709.1M	+1.8%	74.3%	25.3%	$150.9M
Q4'24	$723.5M	+4.4%	71.9%	25.4%	$154.9M
Q3'24	$721.9M	+8.2%	69.1%	24.3%	$146.5M
Q2'24	$707.5M	+9.5%	69.6%	24.8%	$145.5M
Q1'24	$696.9M	+8.8%	70.0%	23.2%	$135.7M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q1 2026	Apr 30, 2026	$2.49	$2.66	$2.65	+6.43%	Met
Q4 2025	Jan 29, 2026	$2.45	$2.57	$2.80	+14.29%	Beat
Q3 2025	Oct 30, 2025	$2.38	$2.47	$2.67	+12.18%	Beat
Q2 2025	Jul 31, 2025	$2.31	$2.43	$2.39	+3.46%	Missed
Q1 2025	May 1, 2025	$2.17	$2.26	$2.30	+5.99%	Beat
Q4 2024	Jan 30, 2025	$2.17	$2.25	$2.36	+8.76%	Beat
Q3 2024	Oct 31, 2024	$2.17	$2.24	$2.24	+3.23%	Met
Q2 2024	Jul 25, 2024	$2.07	$2.13	$2.21	+6.76%	Beat
Q1 2024	Apr 25, 2024	$2.14	$2.23	$2.06	-3.74%	Missed
Q4 2023	Jan 25, 2024	$2.09	$2.17	$2.18	+4.31%	Met
Q3 2023	Oct 26, 2023	$2.15	$2.29	$2.38	+10.70%	Beat
Q2 2023	Jul 27, 2023	$2.40	$2.51	$2.47	+2.92%	Missed

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