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

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$87.37 $0.74 (0.85%) CFR stock closing price Jan 19, 2017 (Closing)

Financial analysis of Cullen/Frost Bankers involves more than just checking the Cullen/Frost Bankers stock price, by looking at the financial statements of the company in detail. An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. 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 $56.61M when compared to the same period in the past. The Cullen/Frost Bankers profit and loss statement for 2015 shows a profit of $279.32M. Profits have grown from $277.97M YoY. Apart from this an investor should also check Cullen/Frost Bankers assets and Cullen/Frost Bankers free cash flow. Cullen/Frost Bankers revenue for 2015 is $1.08B. 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. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cullen/Frost Bankers Net Sales or Revenues
1.08B1.02B945.31M920.39M913.01M899.37M916.74M962.97M1.04B924.7M
Cost Of Goods Sold (COGS)9.02M11.02M14.45M18.09M22.17M29.97M56.01M104.87M190.23M155.09M
Cullen/Frost Bankers Gross Profit
1.07B1.01B930.85M902.3M890.84M869.39M860.72M858.1M846.84M769.61M
Research & Development Expense----------
Selling General & Admin Expense742.23M667.53M629.35M581.27M581.15M574.02M591.09M516.56M468.24M418.87M
Income Before Depreciation Depletion Amortization326.96M343.05M301.5M321.02M309.68M295.37M269.63M341.54M378.59M350.74M
Depreciation Depletion Amortization3.32M3.52M3.14M3.89M4.38M5.12M6.53M7.9M8.86M5.62M
Non Operating Income----------
Interest Expense3.84M3.51M7.48M8.65M19.06M23.9M30.34M36.75M59.87M59.7M
Cullen/Frost Bankers Pretax Income
319.79M336.02M290.88M308.47M286.23M266.34M232.75M296.87M309.86M285.4M
Provision for Income Taxes40.47M58.04M53.01M70.52M68.7M57.57M53.72M89.62M97.79M91.81M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations279.32M277.97M237.86M237.95M217.53M208.76M179.03M207.25M212.07M193.59M
Extraordinary Items & Discontinued Operations----------
Cullen/Frost Bankers Net Income (Profit/Loss)
279.32M277.97M237.86M237.95M217.53M208.76M179.03M207.25M212.07M193.59M
Average Shares used to compute Diluted EPS63.47M62.97M61.12M61.64M61.28M60.59M59.51M59.29M59.71M56.64M
Average Shares used to compute Basic EPS62.76M62.07M60.35M61.3M61.1M60.41M59.46M58.85M58.95M55.47M
Income Before Nonrecurring Items279.33M277.98M237.87M237.95M217.54M208.76M168.28M207.26M215.57M192.59M
Income from Nonrecurring Items------10.76M--3.5M-
Cullen/Frost Bankers Earnings Per Share Basic Net
4.314.323.823.873.553.443.003.523.603.49
Cullen/Frost Bankers Earnings Per Share Diluted Net
4.284.293.803.863.543.443.003.503.553.42
EPS Diluted Before Nonrecurring Items4.284.293.803.863.543.442.823.503.613.42
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common2.102.031.981.901.831.781.711.661.541.32
All figures in USD. M: Millions of USD, B: Billions of USD.
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Before investing one should read a report on Cullen/Frost Bankers stock analysis. It helps to look at the following income statement items:
  • Revenue: This is the inflow that is generated from the sale of goods or services and is $1.08B for this year of 2015. Our Cullen/Frost Bankers revenue chart gives a clear visual representation of how the topline growth has been. Investors often invest in only those companies where the revenue is growing at a steady rate.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $1.08B - other expenses = $279.32M 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. .

Cullen/Frost Bankers Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
20.2250
PS ratio (
price sales ratio
)
4.9064
Operating margin
33
Net profit margin
28.7
Dividend yield
2.45%