How Cullen/Frost Bankers (CFR) Makes Money: A Visual Guide
Cullen/Frost Bankers (CFR) generated $2.92B in revenue (TTM through Q4 2025), earning $648.56M in net profit (22.2% margin). Its largest revenue source is Bank (90.7% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
Cullen/Frost Bankers (CFR) Income Statement Flow
Frequently asked questions
How does Cullen/Frost Bankers (CFR) make money?
- Cullen/Frost Bankers (CFR) primarily makes money through Bank, which accounts for 90.7% of total revenue. For TTM through Q4 2025, Cullen/Frost Bankers generated $2.92B in total revenue with a net profit margin of 22.2%.
What is Cullen/Frost Bankers (CFR) gross profit margin?
- Cullen/Frost Bankers (CFR) reported a gross profit margin of 75% for TTM through Q4 2025, equivalent to $2.19B in gross profit. This means Cullen/Frost Bankers retains 75% of each revenue unit after direct costs of production.
What is Cullen/Frost Bankers (CFR) operating profit margin?
- Cullen/Frost Bankers (CFR) reported an operating profit margin of 26.4% for TTM through Q4 2025, equivalent to $771.70M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Cullen/Frost Bankers (CFR) net profit margin?
- Cullen/Frost Bankers (CFR) reported a net profit margin of 22.2% for TTM through Q4 2025, equivalent to $648.56M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Cullen/Frost Bankers (CFR) spend on capital expenditures?
- Cullen/Frost Bankers (CFR) spent $42.52M on capital expenditures in TTM through Q4 2025 (1.5% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Cullen/Frost Bankers (CFR) free cash flow?
- Cullen/Frost Bankers (CFR) generated $231.46M in free cash flow for TTM through Q4 2025 (7.9% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Cullen/Frost Bankers (CFR) effective tax rate?
- Cullen/Frost Bankers (CFR) had an effective tax rate of 16% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
Data & methodology
What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
When was this data last updated?
- Based on company filings through TTM through Q4 2025.
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