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Cash Flow Overview

Free Cash flow
-$7,137K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Maturities, calls and principal ...
    • Net change in short-term borrowi...
    • Net change in deposits
    • Others
Negative Cash Flow Breakdown
    • Purchases
    • Net change in loans
    • Accrued interest payable and oth...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
172,059
170,987
166,252
482,305
Credit loss expense
9,767
6,745
11,224
32,978
Deferred tax expense (benefit)
-2,844
-2,226
2,325
3,047
Accretion of loan discounts
8,359
9,669
6,036
20,588
Securities premium amortization (discount accretion), net
578
-3,766
-10,693
-28,907
Net (gain) loss on securities transactions
0
0
-836
-14
Depreciation and amortization
22,434
22,218
21,816
65,969
Net (gain) loss on sale/write-down of assets/foreclosed assets
10
191
737
2,294
Stock-based compensation
5,403
5,181
11,572
13,183
Net tax benefit from stock-based compensation
-160
-136
-449
-1,816
Earnings on life insurance policies
962
984
1,032
2,908
Trading account securities
1,527
22
1,358
2,336
Lease right-of-use assets
7,904
5,464
6,605
18,227
Accrued interest receivable and other assets
-23,475
42,813
76,931
-69,262
Accrued interest payable and other liabilities
-173,978
78,730
35,057
-594,338
Net cash from operating activities
52,944
237,322
180,735
93,244
Securities held-to-maturity - purchases
0
0
0
1,500
Securities held to maturity maturities, calls and principal repayments
19,232
24,904
22,813
77,501
Purchases
5,755,298
5,627,169
6,108,625
15,386,824
Sales
0
0
4,165
41,207
Maturities, calls and principal repayments
4,494,243
4,845,490
7,118,190
13,903,659
Proceeds from sale of loans
0
0
0
14,119
Net change in loans
554,046
536,679
446,045
712,382
Net cash paid in insurance agency asset acquisitions
-
-
0
0
Benefits received on life insurance policies
164
1,409
702
1,777
Proceeds from sales of premises and equipment
0
469
916
44
Purchases of premises and equipment
60,081
38,605
42,516
104,136
Proceeds from sales of foreclosed assets
82
453
705
15,135
Net cash from investing activities
-1,855,704
-1,329,728
550,305
-2,151,400
Net change in deposits
497,841
-81,690
400,712
-205,596
Net change in short-term borrowings
785,041
-417,573
-50,894
230,608
Proceeds from stock option exercises
0
0
4,065
7,881
Purchase of treasury stock
90,895
72,298
85,371
72,461
Cash dividends paid on preferred stock
1,669
1,669
1,669
5,006
Cash dividends paid on common stock
64,775
64,008
64,064
191,292
Net cash from financing activities
1,125,543
-637,238
202,779
-235,866
Net change in cash and cash equivalents
-677,217
-1,729,644
933,819
-2,294,022
Cash and cash equivalents at beginning of period
7,144,411
8,874,055
7,940,236
10,234,258
Cash and cash equivalents at end of period
6,467,194
7,144,411
8,874,055
7,940,236
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net change inshort-term borrowings$785,041K Net change indeposits$497,841K Net income$172,059K Accrued interestreceivable and other assets-$23,475K Depreciation andamortization$22,434K Credit loss expense$9,767K Lease right-of-useassets$7,904K Stock-based compensation$5,403K Net tax benefit fromstock-based compensation-$160K Net cash fromfinancing activities$1,125,543K Net cash fromoperating activities$52,944K Canceled cashflow$157,339K Canceled cashflow$188,258K Net change in cashand cash...-$677,217K Canceled cashflow$1,178,487K Maturities, calls andprincipal repayments$4,494,243K Securities held to maturitymaturities, calls and...$19,232K Benefits received on lifeinsurance policies$164K Proceeds from sales offoreclosed assets$82K Purchase of treasurystock$90,895K Cash dividends paidon common stock$64,775K Cash dividends paidon preferred stock$1,669K Accrued interestpayable and other...-$173,978K Accretion of loandiscounts$8,359K Deferred tax expense(benefit)-$2,844K Trading accountsecurities$1,527K Earnings on lifeinsurance policies$962K Securities premiumamortization (discount...$578K Net (gain) loss onsale/write-down of...$10K Net cash frominvesting activities-$1,855,704K Canceled cashflow$4,513,721K Purchases$5,755,298K Net change in loans$554,046K Purchases of premises andequipment$60,081K

CULLEN FROST BANKERS, INC. (CFR-PB)

CULLEN FROST BANKERS, INC. (CFR-PB)