Flash FinanceUS
Market open S&P 5007,376.86+0.31% Nasdaq24,579.42+1.09% Dow 3051,285.73-0.46% Russell 20002,754.11+0.89% Nasdaq-10026,989.99+1.35% MidCap 4003,602.50+0.56% SmallCap 6001,673.98+0.05% VIX25.64-9.01% 10Y Yield4.86+0.45% Close of Nov 06, 2026
AI brief of an SEC Form 8-K · Frost Bank (CFR)

Cullen/Frost Q2 net income rises to $155.3 million; diluted EPS $2.39

Positive Impact 3 of 5 earnings Written later

Cullen/Frost reported second-quarter 2025 net income available to common shareholders of $155.3 million, up from $143.8 million a year earlier, and diluted earnings of $2.39 per share, up from $2.21. Net interest income rose 7.9% to $450.6 million, while non-interest expense rose 9.5% to $347.1 million. The board also declared a third-quarter common dividend of $1.00 per share, payable September 15, 2025.

Key points

  • Net income available to common shareholders was $155.3 million, versus $143.8 million in Q2 2024; diluted EPS was $2.39 versus $2.21.
  • Net interest income was $450.6 million, up 7.9%; net interest margin was 3.67% versus 3.54% a year earlier.
  • Non-interest expense was $347.1 million, up 9.5%; credit loss expense was $13.1 million.
  • Board declared a $1.00 per common share dividend, payable September 15, 2025 to holders of record on August 29.

The filing

CompanyFrost Bank (CFR)
Form8-K, current report
Filed with the SECJul 31, 2025, 9:53 AM ET
Accession number0000039263-25-000099

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:56 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 31, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.