Cullen/Frost reported third quarter 2026 net income available to common shareholders of $178.5 million, or $2.84 per diluted share, up from $172.7 million, or $2.67 per share, a year earlier. Net interest income rose 5.8 percent and average loans grew 9.0 percent year over year, while non-interest expense rose 7.0 percent. The board declared a fourth-quarter common dividend of $1.03 per share, payable December 15, 2026.
Q3 2026 net income available to common shareholders: $178.5 million, versus $172.7 million in Q3 2025
Diluted EPS: $2.84, versus $2.67; nine-month EPS of $8.19 was up 11.3 percent
Credit loss expense was $12.1 million, versus $6.8 million a year earlier; non-accrual loans fell to $63.7 million from $112.7 million in Q2 2026
Board declared a $1.03 per common share dividend, payable December 15, 2026 to holders of record on November 30
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
From Frost Bank's 10-Q and 10-K filings (SEC XBRL). YoY compares each quarter with the same quarter a year earlier; it is blank when the year-ago figure is missing or negative.
Annual results
Fiscal year
Revenue
Growth
EPS (diluted)
Growth
Net margin
FY2025
$121.57M
+14.4%
$9.92
+11.8%
533.5%
FY2024
$106.23M
+13.6%
$8.87
-2.5%
548.4%
FY2023
$93.50M
+1.8%
$9.10
+3.3%
639.5%
FY2022
$91.89M
+10.3%
$8.81
+30.3%
630.3%
FY2021
$83.29M
+3.0%
$6.76
+32.5%
532.0%
Frequently asked questions
When is Frost Bank's next earnings date?
Frost Bank has not announced a report date within the next three weeks. US companies usually report three to six weeks after each quarter ends; this page updates as soon as the date is on the calendar.
What did Frost Bank earn last quarter?
For the quarter ended Sep 2026, Frost Bank reported diluted EPS of $2.84 (+6.4% year over year) on revenue of $36.30M (+15.5%).
Where do these numbers come from?
Reported revenue, net income and EPS come from the company's own 10-Q and 10-K filings with the SEC (XBRL data). The report date and consensus estimate come from the Nasdaq earnings calendar.
Not investment advice. Figures can be restated by the company in later filings.