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

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$83.26 $0.28 (0.34%) CFR stock closing price Dec 02, 2016 (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. The income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. The income statement is generated for a specific period of time. The revenue increase of $1.08B for 2015 impacts the CFR stock. Investors typically check year over year or quarter over quarter revenue growth. 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 $1.08B for 2015. Revenue has grown by $56.61M YoY for CFR stock. 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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It is very helpful to read a report on Cullen/Frost Bankers stock analysis. An investor must check the following items in an income statement:
  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that CFR stock has a topline or revenue of $1.08B for 2015 as per this Cullen/Frost Bankers revenue chart. Investors look for stocks with a growing top line.
  • Bottom line: Most businesses like Cullen/Frost Bankers try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
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)
19.2730
PS ratio (
price sales ratio
)
4.6756
Operating margin
33
Net profit margin
28.7
Dividend yield
2.57%