C CFR

Cullen Frost Bankers Inc

$138.57

-0.06% ($0.08)

Volume 453,278

52W High $148.97

52W Low $100.31

Market Cap $7.17B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$2.49

Whisper EPS

$2.62

5.3% above consensus

Last Quarter

$2.56

Current Streak

7 Beats

Avg Surprise (4Q)

+6.32%

Next Earnings Report

Reports in 23 days

Report Date Apr 30, 2026

Whisper Spread +5.26%

Consensus Estimate

$2.49

Official analyst average

Whisper Number

$2.62

What traders expect

Bullish Sentiment: The whisper number is 5.3% 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

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%

Q1 2025 May 1, 2025

1-Day: +4.06%

5-Day: +1.70%

Revenue & Financial Performance

Revenue Whisper

$799.0M

TWN Proprietary Estimate

Last Quarter Revenue

$745.9M

+3.1% YoY

Gross Margin

76.4%

Net Margin: 22.3%

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
Q4 2025	Jan 29, 2026	$2.47	$2.57	$2.56	+3.64%	Met
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
Q1 2023	Apr 27, 2023	$2.55	$2.64	$2.70	+5.88%	Beat