NYSE$CFR

Cullen/Frost Bankers Inc. · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Headline financials

Total Revenue

$323M

Previous: $336M-3.8%
EPS (adj)

$1.47

Previous: $1.72-14.5%
CET1 Ratio

12.5%

No prior period
Tier 1 Capital Ratio

12.5%

No prior period
Total Capital Ratio

14.4%

No prior period
Tier 1 Leverage Ratio

8.0%

No prior period
Capital Expenditures

-$52M

Previous: -$98.6M+47.2%
Free Cash Flow

$41M

Previous: $13M+216.5%
Net Income

$93.1M

Previous: $112M-16.6%
Operating Income

$121M

Previous: $155M-22.2%
Gross Profit

$291M

Previous: $336M-13.3%
Cash & Equivalents

$558M

Previous: $527M+6.0%
Total Assets

$39.4B

Previous: $31.8B+23.8%
Stock-Based Comp

$3.27M

Previous: $4.36M-25.0%

Revenue & EPS history

Cullen/Frost Bankers · Revenue · Quarterly

$323M

Q2 2020-3.8%vs Q2 2019
Beat estimate in 13 of 16 quarters(81%)
ActualEstimate

Revenue by segment

Cullen/Frost Bankers · $78.2M total across 4 segments · Q4 2022

  • Trust & Investment Mgmt
    $39.7M+3.3%
  • Deposit Service Charges
    $22.3M+0.4%
  • Insurance Commissions
    $11.7M-0.3%
  • Interchange Fees
    $4.48M+5.7%

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2020

Historical avgQ2 2020

+0.7%

Avg return

Earnings day

+0.7%

Avg return

5 days after

+1.2%

Avg return

30 days after

62%

42 / 68 earnings

Positive

+10.7%

Q4 2015

Best reaction

-8.4%

Q2 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.5%-1.6%-5.1%
Q4 2025-0.3%-0.1%+8.6%
Q3 2025+1.8%+1.6%+1.9%
Q1 2025+3.3%+5.1%+9.0%
Q4 2024+1.2%-0.1%-1.3%
Q3 2024-3.4%-2.2%+7.8%
Q2 2024+5.2%+5.1%-1.8%
Q1 2024-8.4%-10.7%-12.4%
Q4 2023-1.3%+0.4%-1.3%
Q3 2023+7.2%+8.8%+18.3%
Q2 2023-8.4%-7.2%-18.0%
Q1 2023+6.6%-1.5%+1.7%
Q4 2022-6.3%-4.2%-3.3%
Q3 2022+9.4%+10.3%+4.2%
Q2 2022+1.1%+0.5%+1.9%
Q1 2022-1.0%-0.4%-6.1%
Q4 2021+7.5%+8.9%+7.3%
Q3 2021+1.4%+6.7%+2.0%
Q2 2021+0.6%+3.4%+8.9%
Q1 2021+1.8%+5.1%+2.4%
Q4 2020-4.5%-3.0%+8.1%
Q3 2020+5.5%+12.5%+30.8%
Q2 2020-4.6%-5.2%-6.1%
Q1 2020-7.6%-10.0%+2.9%
Q4 2019-3.0%+0.4%-14.7%
Q3 2019-2.3%+2.1%+0.4%
Q2 2019-0.4%-0.8%-14.5%
Q1 2019-2.6%-1.0%-6.0%
Q4 2018-0.8%+0.6%+5.1%
Q3 2018+1.5%+5.9%+7.0%
Q2 2018-1.9%-3.0%-1.0%
Q1 2018+6.0%+5.8%+6.5%
Q4 2017+3.9%+4.2%+4.2%
Q3 2017+1.9%-1.0%-4.6%
Q2 2017-5.1%-5.9%-10.8%
Q1 2017+3.0%+2.3%-0.2%
Q4 2016+3.8%-0.6%+2.6%
Q3 2016-0.1%-0.1%+9.1%
Q2 2016-0.9%-5.1%+3.4%
Q1 2016+1.4%
Q4 2015+10.7%
Q3 2015+7.5%
Q2 2015+1.1%
Q1 2015+3.2%
Q4 2014-1.9%
Q3 2014+1.5%
Q2 2014+0.0%
Q1 2014+0.3%
Q4 2013+1.8%
Q3 2013-0.8%
Q2 2013-1.7%
Q1 2013-2.6%
Q4 2012+0.5%
Q3 2012+1.9%
Q2 2012-1.3%
Q1 2012+0.8%
Q4 2011+0.4%
Q3 2011+5.2%
Q2 2011-2.1%
Q1 2010-2.1%
Q1 2011+2.2%
Q4 2009+0.5%
Q4 2010+0.5%
Q4 2008+0.5%
Q3 2009+0.7%
Q3 2010+0.7%
Q2 2010+3.9%
Q2 2009+3.9%

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