Cullen Frost Bankers Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
6.9%projected annual EPS growth
Analyst Coverage
14analysts covering
FY EPS (est.)
$10.99next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 22 Oct 2026 |
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly374.0%Target: 3.76% to 3.81% (representing a 10 to 15 basis point improvement over FY 2025's 3.66%)
Average Loan Growth Quarterly590.0%Target: 6.0% to 7.0% for full-year 2026
Average Deposit Growth Quarterly140.0%Target: 2.0% to 3.0% for full-year 2026
Net Charge-Offs (NCOs) Ratio Quarterly11.0%Target: 0.15% to 0.20% of average loans for full-year 2026
Watch Items
- Deposit Beta and Funding CostsTrigger: Deposit beta rising significantly above the low-to-mid 40s rangeAction: Re-evaluate net interest income projections and adjust deposit pricing strategies to defend the low-cost funding base.
- Texas Commercial Real Estate (CRE) and Energy ExposureTrigger: Annualized net charge-offs exceeding 20 basis points or non-performing assets rising above 50 basis points of total loansAction: Tighten underwriting standards, increase credit loss provisions, and conduct targeted stress testing on vulnerable portfolios.
- Expansion Market Profitability (Houston, Dallas-Fort Worth, and Austin)Trigger: New branch deposit and loan gathering falling below the targeted 10-12% annual growth trajectoryAction: Review local marketing strategies, adjust branch-led customer acquisition tactics, and optimize the planned 10-12 branch openings for the remainder of 2026.
Research as of 2 Sep 2026