Cullen/Frost Q4 net income $99.4M ($1.54/diluted); declares $0.75 dividend and $100M buyback

CULLEN/FROST BANKERS, INC.

2021-FY EPS reported $6.76 revenue$1,371,595,000

Q4 2021 net income available to common $99.4M, up from $88.3M YoY; diluted EPS $1.54 vs. $1.38.
Full-year 2021 net income $435.9M ($6.76/share), up 34.7% from 2020.
Average deposits rose 20.2% YoY to $41.0B; average loans ex-PPP increased 2.4%.
Q4 net interest margin 2.31% vs 2.82% a year ago; no credit loss expense, net charge-offs $2.8M.
Board declared $0.75/common share dividend (payable March 15) and authorized $100M stock repurchase plan.

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