Cullen/Frost Bankers (CFR)
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[[ session ]] by (Cboe BZX)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 648,557 | 582,542 | 597,973 | 579,150 | 443,079 |
| Depreciation Amortization | 127,385 | 128,030 | 140,335 | 168,744 | 188,531 |
| Income taxes - deferred | 5,372 | -11,600 | -14,829 | -4,918 | 7,784 |
| Other Working Capital | -572,436 | 205,807 | -314,029 | -44,331 | 2,315 |
| Loans | -26,624 | -23,951 | -17,724 | -12,921 | -12,890 |
| Other Operating Activity | 91,725 | 108,704 | 87,119 | 36,858 | 19,474 |
| Operating Cash Flow | $273,979 | $989,532 | $478,845 | $722,582 | $648,293 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -145,692 | -127,751 | -157,348 | -102,438 | -58,806 |
| Net Acquisitions | N/A | -703 | N/A | N/A | N/A |
| Purchase Of Investment | -21,496,950 | -17,899,780 | -20,271,960 | -23,602,360 | -24,217,840 |
| Sale Of Investment | 21,167,540 | 19,805,710 | 21,170,080 | 16,244,490 | 20,602,590 |
| Net Loans | -1,144,308 | -1,962,788 | -1,686,044 | -821,656 | 1,145,924 |
| Other Investing Activity | 18,315 | 4,433 | 2,521 | 4,634 | 3,117 |
| Investing Cash Flow | $-1,601,095 | $-180,879 | $-942,751 | $-8,277,330 | $-2,525,015 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 179,714 | 223,528 | -570,903 | 1,945,567 | 649,727 |
| Debt Repayment | N/A | N/A | N/A | N/A | -13,403 |
| Common Stock Issued | 11,946 | 22,643 | 9,299 | 16,659 | 54,417 |
| Common Stock Repurchased | -157,832 | -60,901 | -42,720 | -4,391 | -3,864 |
| Dividend Paid | -262,031 | -249,121 | -238,998 | -216,455 | -195,943 |
| Financing Cash Flow | $-33,087 | $738,329 | $-2,876,950 | $2,999,880 | $8,170,869 |
| Beginning Cash Position | 10,234,260 | 8,687,276 | 12,028,130 | 16,583,000 | 10,288,850 |
| End Cash Position | 8,874,055 | 10,234,260 | 8,687,276 | 12,028,130 | 16,583,000 |
| Net Cash Flow | $-1,360,203 | $1,546,982 | $-3,340,856 | $-4,554,868 | $6,294,147 |
| Free Cash Flow | |||||
| Operating Cash Flow | 273,979 | 989,532 | 478,845 | 722,582 | 648,293 |
| Capital Expenditure | -146,652 | -127,776 | -158,630 | -102,501 | -65,850 |
| Free Cash Flow | 127,327 | 861,756 | 320,215 | 620,081 | 582,443 |