Cullen/Frost Q4 2025 EPS $2.56, up 7.4% YoY; board approves $300M buyback

CULLEN/FROST BANKERS, INC.

2025-FY EPS reported $9.92 revenue$2,235,244,000

Q4 net income $164.6M ($2.56 diluted EPS) vs $153.2M ($2.36) a year ago, up 7.4%.
Full-year 2025 diluted EPS $9.92 vs $8.87 in 2024; net interest margin 3.66% vs 3.53%.
Average loans rose 6.5% YoY to $21.7B; average deposits up 3.5% to $43.3B.
Board declared $1.00/share dividend (payable 3/13/26) and approved new $300M share repurchase through 1/27/27.
Net charge-offs $5.8M in Q4; non-accrual loans $70.5M, up from $44.8M in Q3; ACL/loans 1.29%.

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