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Frost Bank (CFR)

NYSE Financials Regional Banks S&P MidCap 400
$155.23
-1.45 (-0.93%)
Close of Nov 06, 2026 · end-of-day data
Source: Frost Bank's 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$1.13B$1.20B$85.19M$88.98M$80.87M$83.29M$91.89M$93.50M$106.23M$121.57M
Interest expense$12.08M$26.52M$93.31M$129.78M$45.03M$23.90M$184.44M$659.05M——
Pre-tax income$341.41M$408.36M$508.68M$499.47M$351.32M$489.54M$668.83M$712.37M$695.97M$771.70M
Income tax$37.15M$44.21M$53.76M$55.87M$20.17M$46.46M$89.68M$114.40M$113.42M$123.14M
Net income$304.26M$364.15M$454.92M$443.60M$331.15M$443.08M$579.15M$597.97M$582.54M$648.56M
EPS (basic)$4.73$5.56$6.97$6.89$5.11$6.79$8.84$9.11$8.88$9.92
EPS (diluted)$4.70$5.51$6.90$6.84$5.10$6.76$8.81$9.10$8.87$9.92
Diluted shares62.97M64.66M64.69M63.44M63.00M64.10M64.52M64.40M64.26M64.10M
Net margin27.0%30.3%534.0%498.5%409.5%532.0%630.3%639.5%548.4%533.5%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents———$3.79B$10.29B$16.58B$12.03B$8.69B$10.23B$8.87B
Goodwill$654.95M$654.95M$654.95M$654.95M$654.95M$654.95M$654.95M———
Total assets$30.20B$31.75B$32.29B$34.03B$42.39B$50.88B$52.89B$50.85B$52.52B$53.04B
Total liabilities$27.19B$28.45B$28.92B$30.12B$38.10B$46.44B$49.76B$47.13B$48.62B$48.47B
Shareholders' equity$3.00B$3.30B$3.37B$3.91B$4.29B$4.44B$3.14B$3.72B$3.90B$4.57B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$437.84M$538.08M$562.39M$634.09M$524.24M$648.29M$722.58M$478.85M$989.53M$273.98M
Capital expenditures$53.65M$34.09M$79.27M$206.72M$95.42M$65.85M$102.50M$158.63M$127.78M$146.65M
Free cash flow$384.19M$503.99M$483.12M$427.37M$428.82M$582.44M$620.08M$320.21M$861.76M$127.33M
Investing cash flow-$1.37B-$670.60M-$1.91B-$1.39B-$1.63B-$2.53B-$8.28B-$942.75M-$180.88M-$1.60B
Financing cash flow$1.49B$1.04B$253.66M$585.06M$7.61B$8.17B$3.00B-$2.88B$738.33M-$33.09M
Dividends paid$134.90M$144.17M$165.45M$177.01M$180.58M$188.79M$209.78M$232.32M$242.45M$255.36M
Share buybacks$1.29M$101.47M$101.01M$68.79M$15.79M$3.86M$4.39M$42.72M$60.90M$157.83M
Stock-based compensation$11.80M$13.01M$13.94M$15.95M$13.92M$12.75M$18.32M$24.59M$19.76M$24.75M
Depreciation & amortization$48.18M$47.81M$50.17M$54.09M$64.37M$69.29M$71.34M$76.44M$82.82M$87.78M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.