Cullen/Frost (CFR) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2024, Cullen/Frost Bankers (CFR) reported revenue of $556.44 million, up 6.3% over the same period last year. EPS came in at $2.36, compared to $2.18 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $544.02 million, representing a surprise of +2.28%. The company delivered an EPS surprise of +8.76%, with the consensus EPS estimate being $2.17.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Cullen/Frost performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net loan charge-offs to average loans: 0.3% versus the four-analyst average estimate of 0.2%. Total earning assets and average rate earned - Average balance: $47.58 billion versus the four-analyst average estimate of $47.44 billion. Net Interest Margin (FTE): 3.5% versus 3.6% estimated by four analysts on average. Book value per common share at end of quarter: $58.46 versus the three-analyst average estimate of $60.33. Total Non-Performing Loans/ Non-accrual loans: $78.87 million versus the two-analyst average estimate of $97.31 million. Total Non-Interest Income: $122.82 million compared to the $111.93 million average estimate based on four analysts. Net Interest Income (FTE): $433.73 million versus the four-analyst average estimate of $432.09 million. Other charges, commissions and fees: $15.21 million versus the three-analyst average estimate of $12.97 million. Insurance commissions and fees: $14.22 million compared to the $13.60 million average estimate based on three analysts. Trust and investment management fees: $43.77 million versus the three-analyst average estimate of $41.12 million. Net Interest Income: $413.52 million compared to the $410.97 million average estimate based on three analysts. Service charges on deposit accounts: $27.91 million versus the three-analyst average estimate of $26.48 million. View all Key Company Metrics for Cullen/Frost here>>>Shares of Cullen/Frost have returned +3.4% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the #1 favorite stock to gain +100% or more in 2024. While not all picks can be winners, previous recommendations have soared +143.0%, +175.9%, +498.3% and +673.0%.Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor.Today, See These 5 Potential Home Runs >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Cullen/Frost Bankers, Inc. (CFR): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks