Cullen/Frost Bankers, Inc.
frostbank.comWhat Do They Do?
Provides commercial and consumer banking, insurance, and trust and investment services to businesses and individuals.
10-K for FY2025, filed Feb 5, 2026Cullen/Frost Bankers, Inc., a Texas business corporation incorporated in 1977, is a financial holding company and a bank holding company…View ↗
Commercial Banking. Frost Bank provides commercial banking services to corporations and other business customers. Deposit products consist…View ↗
Frost Insurance Agency, Inc.View ↗
Frost Investment Advisors, LLC is a registered investment advisor and a wholly owned subsidiary of Frost Bank that provides investment…View ↗
How Do They Make Money?
Earns interest on loans and securities, and fees from banking, insurance, trust and investment services. For customer contracts, it generally receives payment when the service is completed, either in one transaction or over time.
10-K for FY2025, filed Feb 5, 2026Our earnings and cash flows are largely dependent upon our net interest income. Net interest income is the difference between interest…View ↗
Banking and Frost Wealth Advisors are delineated by the products and services that each segment offers. The Banking operating segment…View ↗
Revenue Recognition. In general, for revenue not associated with financial instruments, guarantees and lease contracts, we apply the…View ↗
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10-K for FY2025, filed Feb 5, 2026
FY2025 revenue by reportable segment ↗
$2.2B
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10-K for FY2025, filed Feb 5, 2026
$2.2B ↗
| Segment | Share | Revenue |
|---|---|---|
|
Banking
|
91%
FY2022: 90%
|
Banking, FY2025
$2B Sources
|
|
Frost Wealth Advisors
|
9.7%
FY2022: 11%
|
Frost Wealth Advisors, FY2025
$217.3M Sources
|
|
Non-Banks
|
−0.6%
FY2022: −0.6%
|
Non-Banks, FY2025
−$13.3M Sources
|
Who Are Their Customers?
Businesses and individuals use its commercial and consumer banking, insurance, trust and investment services. Customers access banking through branches and online platforms; Frost Bank also provides correspondent banking services to other financial institutions.
10-K for FY2025, filed Feb 5, 2026Commercial Banking. Frost Bank provides commercial banking services to corporations and other business customers. Deposit products consist…View ↗
Frost Insurance Agency, Inc.View ↗
Frost Investment Advisors, LLC is a registered investment advisor and a wholly owned subsidiary of Frost Bank that provides investment…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 29 cents of every revenue dollar as net income in FY2025 and turned 6 cents into free cash flow.
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Jul 30, 2026
$172.1MView ↗
- ▲ +10%
- vs $157M in Q2 FY2025
10-Q for Q2 FY2026, filed Jul 30, 2026
Open tableView ↗
Growing. Revenue grew 63% in 4 years, from $1.4B in FY2021 to $2.2B in FY2025, about 13% a year.
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