Cullen/Frost Bankers Income Statement - Quarterly (NYSE:CFR)

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$74.7 $1.7 (2.33%) CFR stock closing price Oct 19, 2016 (Closing)

Looking at financial statements, along with the Cullen/Frost Bankers stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The income statement is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. Like any other income statement, the CFR income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a QoQ revenue decline of $17.28M 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 $271.46M for 2016-Q2. Revenue has decreased by $17.28M QoQ for CFR stock. View details of revenue and profits for Cullen/Frost Bankers for latest & last 40 quarters.

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Fiscal year is Jan - Dec. 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1
Cullen/Frost Bankers Net Sales or Revenues
Cost Of Goods Sold (COGS)1.77M1.78M1.96M2.13M2.18M2.75M2.91M2.99M2.56M2.56M
Cullen/Frost Bankers Gross Profit
Research & Development Expense----------
Selling General & Admin Expense188.01M206.99M206.64M181.56M175.26M178.77M172.42M163.18M168.08M163.85M
Income Before Depreciation Depletion Amortization81.68M79.96M63.69M89.76M87.46M86.05M90.17M96.56M81.54M74.78M
Depreciation Depletion Amortization0.61M0.66M0.78M0.81M0.84M0.89M1.02M1.02M0.8M0.68M
Non Operating Income----------
Interest Expense1.17M1.09M1.03M0.96M0.94M0.91M0.94M0.91M0.85M0.81M
Cullen/Frost Bankers Pretax Income
Provision for Income Taxes8.4M9.42M3.66M12.13M12.6M12.08M15.54M17M13.41M12.09M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations71.48M68.78M58.24M75.85M73.08M72.16M72.7M77.62M66.47M61.19M
Extraordinary Items & Discontinued Operations----------
Cullen/Frost Bankers Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS62.5M62.08M62.2M63.32M63.95M63.78M63.93M63.87M62.47M61.59M
Average Shares used to compute Basic EPS61.96M61.93M61.98M62.63M63.12M63.09M63.06M62.94M61.55M60.7M
Income Before Nonrecurring Items71.48M68.78M58.24M75.85M73.08M72.16M72.7M77.62M66.47M61.19M
Income from Nonrecurring Items----------
Cullen/Frost Bankers Earnings Per Share Basic Net
Cullen/Frost Bankers Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items1.111.070.901.
Preferred Dividends Acc Pd2.08M---------
Dividends Common33.48---------
Dividend Per Share Common0.540.530.530.530.530.510.510.510.510.50
All figures in USD. M: Millions of USD, B: Billions of USD.

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:
  • Revenue: The money received by selling of goods or services comes under this line item. A QoQ growth (See: Cullen/Frost Bankers revenue chart) implies that the company is growing, which has not been the case with Cullen/Frost Bankers. One must stay away from stocks whose revenues are declining.
  • 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)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield