Cullen/Frost Bankers, Inc. Hosts Fourth Quarter 2025 Earnings Conference Call

Rhea-AI Summary

Cullen/Frost Bankers (NYSE: CFR) will host a fourth quarter 2025 earnings conference call on Thursday, January 29, 2026. The company's earnings release will be posted at approximately 8:00 a.m. Central Time on the investor website.

The live conference call begins at 1:00 p.m. CT (2:00 p.m. ET) and will be led by Phil Green (Chairman & CEO), Dan Geddes (Group EVP & CFO) and A.B. Mendez (SVP & Director of Investor Relations). A Q&A session for analysts follows the prepared remarks.

Investors and media can access a live webcast at the investor relations site or the provided webcast URL; the archived webcast will be available after 5:00 p.m. CT on the day of the call. Domestic dial-in: 877-709-8150. Attendees are advised to call 5–10 minutes early to register.

News Market Reaction – CFR

-0.32%

-0.32% Session close to close

In the Jan 7 session, CFR declined 0.32%, reflecting a mild negative market reaction.

Data tracked by StockTitan Argus on the day of publication.

Market Context

This announcement sets the timetable for Cullen/Frost’s Q4 2025 earnings release, with results poste...

Analysis

This announcement sets the timetable for Cullen/Frost’s Q4 2025 earnings release, with results posted around 8:00 a.m. CT and a conference call at 1:00 p.m. CT. Historically, similar quarterly call notices have still been associated with meaningful single-day moves, and prior quarters delivered net income of $155.3M and $172.7M with rising loans and deposits. Investors may watch how Q4 figures compare to these benchmarks and how management frames loan growth, deposit trends, and credit quality.

Key Figures

Net income: $172.7M Diluted EPS: $2.67 Net interest income: $463.7M +5 more

8 metrics

Net income $172.7M Q3 2025 net income available to common shareholders

Diluted EPS $2.67 Q3 2025 earnings per share

Net interest income $463.7M Q3 2025 taxable-equivalent net interest income

Average loans $21.5B Q3 2025 average loan balance

Average deposits $42.1B Q3 2025 average deposit balance

Net income $155.3M Q2 2025 net income

Diluted EPS $2.39 Q2 2025 earnings per share

13F assets $8,607,096,937 Aggregate value in 13F-HR holdings report dated 2025-10-31

Historical Context

5 past events · Latest: Dec 11 (Positive)

Pattern 5 events

Date	Event	Sentiment	24h Move	Catalyst
Dec 11	Community housing support	Positive	-0.8%	Grant-backed affordable senior housing project tied to Frost Bank.
Nov 25	Tech partnership	Positive	+1.5%	Adoption of DerivativeEDGE platform for OTC derivatives business.
Oct 30	Q3 2025 earnings	Positive	+1.7%	Strong Q3 profit, EPS, and loan/deposit growth with dividend.
Oct 14	Q3 call scheduling	Neutral	+2.9%	Announcement of timing and access details for Q3 2025 call.
Jul 31	Q2 2025 earnings	Positive	-5.0%	Stronger year-over-year earnings and growth with solid credit quality.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Pattern Detected

Recent history shows mixed reactions: positive earnings and strategic tech updates often saw gains, while some strong quarterly results and community initiatives coincided with price declines, indicating occasional divergence between fundamentals news and short-term price moves.

Recent Company History

Over the last six months, Cullen/Frost’s news flow featured solid financial performance and strategic initiatives. Q2 and Q3 2025 earnings releases reported strong metrics, including net income of $155.3M and $172.7M and diluted EPS of $2.39 and $2.67, alongside growing loans and deposits. A derivatives platform partnership aimed to modernize risk management, while Frost supported a $29.3M senior housing project via a grant. Prior earnings conference call announcements, like on Oct 14, 2025, were routine scheduling updates that still saw meaningful price moves, providing a direct historical parallel to today’s Q4 2025 call notice.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SAN ANTONIO, Jan. 7, 2026 /PRNewswire/ -- Cullen/Frost Bankers, Inc. (NYSE: CFR) will host a conference call on Thursday, January 29, 2026 to discuss fourth quarter 2025 earnings.

Earnings Release: The earnings release for Cullen/Frost Bankers, Inc. will be available at approximately 8:00 a.m. Central Time (CT) on the internet at https://investor.frostbank.com/.

Conference Call and Live Webcast: The conference call will begin at 1:00 p.m. CT (2:00 p.m. Eastern) and will be hosted by Phil Green, Chairman and CEO, Dan Geddes, Group Executive Vice President and CFO and A.B. Mendez, Senior Vice President and Director of Investor Relations.

Following the prepared remarks there will be a question and answer session for the analyst community. Media and other interested individuals are invited to listen to the call using the webcast link or telephone number as follows:

Live Webcast
To access the webcast, go to https://investor.frostbank.com/ or directly to https://event.choruscall.com/mediaframe/webcast.html?webcastid=y0JpzKup

The webcast will be archived and available for playback after 5:00 p.m. CT on the day of the call, and can be accessed on our investor relations website.

Telephone Number
Domestic: 877-709-8150

It is recommended that those wishing to dial into the conference call do so approximately 5 to 10 minutes prior to the call to ensure a more efficient registration process.

View original content to download multimedia:https://www.prnewswire.com/news-releases/cullenfrost-bankers-inc-hosts-fourth-quarter-2025-earnings-conference-call-302655188.html

SOURCE Cullen/Frost Bankers, Inc.

FAQ

When will Cullen/Frost Bankers (CFR) hold its Q4 2025 earnings call?

The call is scheduled for Thursday, January 29, 2026 at 1:00 p.m. CT (2:00 p.m. ET).

Where can I find the Cullen/Frost Bankers (CFR) Q4 2025 earnings release?

The earnings release will be posted at approximately 8:00 a.m. Central Time on the company's investor relations website.

How can investors access the Cullen/Frost (CFR) live webcast for the Q4 2025 call?

Access the live webcast via the company's investor relations site or the provided webcast URL; the archive will be available after 5:00 p.m. CT the same day.

What is the telephone number to join Cullen/Frost Bankers (CFR) Q4 2025 earnings call?

Domestic dial-in for the call is 877-709-8150; callers are recommended to dial 5–10 minutes early to register.

Who will host the Cullen/Frost (CFR) fourth quarter 2025 earnings conference call?

The call will be hosted by Phil Green (Chairman & CEO), Dan Geddes (Group EVP & CFO) and A.B. Mendez (SVP & Director of Investor Relations).

Will there be a Q&A session on the Cullen/Frost (CFR) Q4 2025 earnings call and who is it for?

Yes. Following prepared remarks there will be a question-and-answer session for the analyst community; media and others may listen via webcast or telephone.