Cullen/Frost Bankers Annual Income Statement (NYSE:CFR)

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$85.82 $0.45 (0.52%) CFR stock closing price Mar 29, 2017 (Closing)

CFR stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the Cullen/Frost Bankers stock price. In the income statement, an investor can look at important parameters like revenue, gross profits, net profits, and EPS basic to gain deeper insights. Like any other income statement, the CFR income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a YoY revenue growth of $59.9M when compared to the same period in the past. One also needs to look at Cullen/Frost Bankers assets, operating expenses and Cullen/Frost Bankers free cash flow. The profit and loss statement shows revenue of $1.14B for 2016. Revenue has grown by $59.9M YoY for CFR stock. Cullen/Frost Bankers revenue for 2016 is $1.14B. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Cullen/Frost Bankers Net Sales or Revenues
1.14B1.08B1.02B945.31M920.39M913.01M899.37M916.74M962.97M1.04B
Cost Of Goods Sold (COGS)7.24M9.02M11.02M14.45M18.09M22.17M29.97M56.01M104.87M190.23M
Cullen/Frost Bankers Gross Profit
1.13B1.07B1.01B930.85M902.3M890.84M869.39M860.72M858.1M846.84M
Research & Development Expense----------
Selling General & Admin Expense782.2M742.23M667.53M629.35M581.27M581.15M574.02M591.09M516.56M468.24M
Income Before Depreciation Depletion Amortization348.66M326.96M343.05M301.5M321.02M309.68M295.37M269.63M341.54M378.59M
Depreciation Depletion Amortization2.42M3.32M3.52M3.14M3.89M4.38M5.12M6.53M7.9M8.86M
Non Operating Income----------
Interest Expense4.82M3.84M3.51M7.48M8.65M19.06M23.9M30.34M36.75M59.87M
Cullen/Frost Bankers Pretax Income
341.41M319.79M336.02M290.88M308.47M286.23M266.34M232.75M296.87M309.86M
Provision for Income Taxes37.15M40.47M58.04M53.01M70.52M68.7M57.57M53.72M89.62M97.79M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations304.26M279.32M277.97M237.86M237.95M217.53M208.76M179.03M207.25M212.07M
Extraordinary Items & Discontinued Operations----------
Cullen/Frost Bankers Net Income (Profit/Loss)
304.26M279.32M277.97M237.86M237.95M217.53M208.76M179.03M207.25M212.07M
Average Shares used to compute Diluted EPS62.97M63.47M62.97M61.12M61.64M61.28M60.59M59.51M59.29M59.71M
Average Shares used to compute Basic EPS62.38M62.76M62.07M60.35M61.3M61.1M60.41M59.46M58.85M58.95M
Income Before Nonrecurring Items304.26M279.33M277.98M237.87M237.95M217.54M208.76M168.28M207.26M215.57M
Income from Nonrecurring Items-------10.76M--3.5M
Cullen/Frost Bankers Earnings Per Share Basic Net
4.734.314.323.823.873.553.443.003.523.60
Cullen/Frost Bankers Earnings Per Share Diluted Net
4.704.284.293.803.863.543.443.003.503.55
EPS Diluted Before Nonrecurring Items4.704.284.293.803.863.543.442.823.503.61
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common2.152.102.031.981.901.831.781.711.661.54
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing Cullen/Frost Bankers stock analysis are:
  • Topline: A growing topline, as seen from the Cullen/Frost Bankers revenue chart, as is the case with Cullen/Frost Bankers indicates a growing business. One needs to compare the QoQ or YoY topline growth of CFR stock with its peers like BOKF stock and PB stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $1.14B - other expenses = $304.26M for CFR stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Cullen/Frost Bankers historical stock prices to check how the price has moved with time. .