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Management s Discussion and Analysis of Financial Condition and Results of Operations of this report and other cautionary statements set forth elsewhere in this report. The Corporation Cullen/Frost Bankers, Inc., a Texas business corporation incorporated in 1977, is a financial holding company and a bank holding company headquartered in San Antonio, Texas that provides, through its subsidiaries…
29.60% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 9.6% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$2.23B
▲ +9.6% YoY
Net Income (TTM)
$669M
▲ +11.3% YoY
Net Margin
29.96%
P/E
—
Balance Sheet
Total Assets
$52.72B
Equity
$4.53B
Total Debt
$0.00
Cash & Equiv.
$7.14B
5Y CAGR: +12.8%
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