Q3 FY2026 · ended Sep 30, 2026 · Revenue $36.30M, +15.5% YoY · Filed Oct 29, 2026
Cullen/Frost Bankers, Inc. (CFR) files with the SEC under industry code 6021, National Commercial Banks. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $36.3 million and net income of $180.2 million. Free cash flow was $248.7 million.
Revenue
$36.30M
+15.5% vs year-ago quarter
Net income
$180.21M
+3.3% vs year-ago quarter
Operating cash flow
$292.65M
+17.7% vs year-ago quarter
Free cash flow
$248.66M
+17.5% vs year-ago quarter
EPS
$2.84
+6.4% vs year-ago quarter
Dividend per share
$1.03
+3.0% vs year-ago quarter
Shares outstanding
62.18M
-2.8% vs year-ago quarter
Net cash
$24.55B
Q4 FY2025
Operating margin
—
Company profile
- Industry
- National Commercial Banks (SIC 6021)
- Listed as
- CFR (NYSE), CFR-PB (NYSE)
- Fiscal year ends
- December 31
- Incorporated in
- TX
- Headquarters
- San Antonio, TX
- SEC filer status
- Large accelerated filer
- SEC CIK
- 39263
- Former names
- CULLEN FROST BANKERS INC (until Nov 30, 2011)
Other National Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $36.3M | $34.2M | $32.2M | $32.4M | $31.4M |
| Net income | $180.2M | $172.1M | $171.0M | $166.3M | $174.4M |
| Diluted EPS | $2.84 | $2.70 | $2.65 | $2.59 | $2.67 |
| Operating cash flow | $292.6M | $52.9M | $237.3M | $180.7M | $248.6M |
| Free cash flow | $248.7M | -$7.1M | $198.7M | $138.2M | $211.7M |
| Total assets | $54.5B | $53.9B | $52.7B | $53.0B | $52.5B |
| Total liabilities | $50.5B | $49.3B | $48.2B | $48.5B | $48.1B |
| Stockholders' equity | $4.0B | $4.6B | $4.5B | $4.6B | $4.5B |
| Cash and investments | $24.2B | $24.6B | $23.9B | $24.8B | $24.8B |
| Total debt | — | — | — | $296.4M | — |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Listing notice, Regulation FD disclosure
|
Oct 29, 2026 | Oct 29, 2026 |
| 10-Q | Quarterly report | Oct 29, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 29, 2026 | Oct 29, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Aug 17, 2026 | Aug 17, 2026 |
| 10-Q | Quarterly report | Jul 30, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations
|
Jul 30, 2026 | Jul 30, 2026 |
All 1002 Cullen/Frost Bankers, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.