Cullen/Frost Bankers Revenue, Profits - CFR Annual Income Statement

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$101.31 $4.32 (4.09%) CFR stock closing price Mar 23, 2018 (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 or revenue and bottomline or profit numbers of the company and helps investors evaluate if a company has been growing or not. Like any other income statement, the CFR income statement also itemizes revenue/sales, operating expenses, and profits/bottomline for a quarter or year and reflects a YOY revenue decline of -70.44% when compared to the same period in the past. Revenue for year 2017 is $336.47M and has decreased from $1.14B year on year as is evident when you compare the latest figures in the latest Cullen/Frost Bankers profit and loss statement with those of the prior corresponding period. Also see Cullen/Frost Bankers assets and Cullen/Frost Bankers free cash flow for a complete valuation of CFR stock.

View revenue and profit details for latest and last 10 financial years.
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Fiscal year is Jan - Dec2017201620152014201320122011201020092008
Cullen/Frost Bankers Revenues or Net Sales
Cost Of Goods Sold (COGS)-7.24M9.02M11.02M14.45M18.09M22.17M29.97M56.01M104.87M
Cullen/Frost Bankers Gross Profit
Research & Development Expense----------
Selling General & Admin Expense792.82M782.2M742.23M667.53M629.35M581.27M581.15M574.02M591.09M516.56M
Income Before Depreciation Depletion Amortization-456.35M348.66M326.96M343.05M301.5M321.02M309.68M295.37M269.63M341.54M
Depreciation Depletion Amortization1.7M2.42M3.32M3.52M3.14M3.89M4.38M5.12M6.53M7.9M
Non Operating Income----------
Interest Expense-4.82M3.84M3.51M7.48M8.65M19.06M23.9M30.34M36.75M
Cullen/Frost Bankers Pretax Income
Provision for Income Taxes44.21M37.15M40.47M58.04M53.01M70.52M68.7M57.57M53.72M89.62M
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations364.14M304.26M279.32M277.97M237.86M237.95M217.53M208.76M179.03M207.25M
Extraordinary Items & Discontinued Operations----------
Cullen/Frost Bankers Profit/ Loss (Net Income)
Average Shares used to compute Diluted EPS64.66M62.97M63.47M62.97M61.12M61.64M61.28M60.59M59.51M59.29M
Average Shares used to compute Basic EPS63.69M62.38M62.76M62.07M60.35M61.3M61.1M60.41M59.46M58.85M
Income Before Nonrecurring Items360.15M304.26M279.33M277.98M237.87M237.95M217.54M208.76M168.28M207.26M
Income from Nonrecurring Items4M-------10.76M-
Cullen/Frost Bankers Earnings Per Share Basic Net
Cullen/Frost Bankers Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items5.454.704.284.293.803.863.543.442.823.50
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common2.
All figures in USD. M: Millions of USD, B: Billions of USD.
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Cullen/Frost Bankers stock analysis involves checking at least a few of the important things like:

  • Topline: A growing topline, as seen from the Cullen/Frost Bankers revenue chart, as isn't the case with Cullen/Frost Bankers indicates a sagging business. One needs to compare the YoY topline or sales 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 from 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 $364.14M for CFR stock. An improving bottomline implies that the company is growing its profits.

The income statement is also called the profit and loss statement. Apart from the CFR 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