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Net Profit Margin for Cullen/Frost Bankers (CFR)

As of · Reported

Metric

TTM

24.0%

YoY change

+1.77pp

Trough year (1990)

-2.5%

Peak year (2018)

32.4%

Net Profit Margin history chart for Cullen/Frost Bankers (CFR) from 1989 to 2025

Latest: 22.2%

Net Profit Margin change chart for Cullen/Frost Bankers (CFR) from 1989 to 2025

Latest: +1.77pp

Net Profit Margin history table for Cullen/Frost Bankers (CFR) from 1989 to 2025

  • 202522.2%+1.77pp
  • 202420.4%-2.15pp
  • 202322.6%-8.20pp
  • 202230.8%-0.95pp
  • 202131.8%+9.47pp
  • 202022.3%-7.34pp
  • 201929.6%-2.82pp
  • 201832.4%+2.82pp
  • 201729.6%+2.89pp
  • 201626.7%+0.83pp
  • 201525.9%-1.30pp
  • 201427.2%+2.05pp
  • 201325.2%-0.69pp
  • 201225.9%+2.03pp
  • 201123.8%+0.61pp
  • 201023.2%+3.68pp
  • 200919.5%-1.99pp
  • 200821.5%+1.07pp
  • 200720.4%-0.49pp
  • 200620.9%-1.41pp
  • 200522.3%-0.50pp
  • 200422.8%+0.51pp
  • 200322.3%+2.54pp
  • 200219.8%+7.25pp
  • 200112.6%-3.51pp
  • 200016.1%-0.23pp
  • 199916.3%+2.91pp
  • 199813.4%-1.04pp
  • 199714.4%+0.26pp
  • 199614.2%+0.70pp
  • 199513.5%+0.22pp
  • 199413.2%-4.47pp
  • 199317.7%+8.15pp
  • 19929.6%+9.50pp
  • 19910.1%+2.60pp
  • 1990-2.5%-3.31pp
  • 19890.8%—

Net Profit Margin values are taken from Cullen/Frost Bankers's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.

About Net Profit Margin at Cullen/Frost Bankers (CFR)

According to Cullen/Frost Bankers's latest reported financial statements, the company's latest reported net margin is 24.0%. Net profit margin is net income divided by revenue — the bottom-line share of each sales dollar that remains after all costs, including operating expenses, interest, and taxes. It is the most comprehensive profitability ratio, though it can swing on one-off items, so read it alongside the multi-year trend below.

Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .

In 2025, Cullen/Frost Bankers (CFR) net margin totalled 22.21% – expanded 1.8 percentage points year-over-year.

The highest annual net margin of 32.44% was reported in 2018. The lowest in the available history was -2.53% in 1990.

Cullen/Frost Bankers Net Profit Margin by Year

Cullen/Frost Bankers Net Profit Margin 2025: 22.2%

In 2025, Cullen/Frost Bankers reported net margin of 22.21%, expanded 1.8 percentage points from 2024.

Cullen/Frost Bankers Net Profit Margin 2024: 20.4%

Cullen/Frost Bankers net margin in 2024 was 20.44%, contracted 2.2 percentage points from 2023.

Cullen/Frost Bankers Net Profit Margin 2023: 22.6%

2023's net margin for Cullen/Frost Bankers came in at 22.60%, contracted 8.2 percentage points from 2022.

Cullen/Frost Bankers Net Profit Margin 2022: 30.8%

Cullen/Frost Bankers posted net margin of 30.80% in 2022, contracted 1.0 percentage points from 2021.

Cullen/Frost Bankers Net Profit Margin 2021: 31.8%

Cullen/Frost Bankers net margin in 2021 was 31.75%.

See more financial history for Cullen/Frost Bankers (CFR).

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