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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
174,380
Credit loss expense
9,767
6,745
11,224
6,779
Deferred tax expense (benefit)
-2,844
-2,226
2,325
7,064
Accretion of loan discounts
8,359
9,669
6,036
6,870
Securities premium amortization (discount accretion), net
578
-3,766
-10,693
-8,779
Net (gain) loss on securities transactions
0
0
-836
0
Depreciation and amortization
22,434
22,218
21,816
22,235
Net (gain) loss on sale/write-down of assets/foreclosed assets
10
191
737
-80
Stock-based compensation
5,403
5,181
11,572
4,270
Net tax benefit from stock-based compensation
-160
-136
-449
-440
Earnings on life insurance policies
962
984
1,032
1,026
Trading account securities
1,527
22
1,358
-1,973
Lease right-of-use assets
7,904
5,464
6,605
5,340
Accrued interest receivable and other assets
-23,475
42,813
76,931
-67,732
Accrued interest payable and other liabilities
-173,978
78,730
35,057
-42,593
Net cash from operating activities
52,944
237,322
180,735
248,583
Securities held-to-maturity - purchases
0
0
0
0
Securities held to maturity maturities, calls and principal repayments
19,232
24,904
22,813
30,613
Purchases
5,755,298
5,627,169
6,108,625
7,100,978
Sales
0
0
4,165
2,651
Maturities, calls and principal repayments
4,494,243
4,845,490
7,118,190
7,020,939
Proceeds from sale of loans
0
0
0
6,814
Net change in loans
554,046
536,679
446,045
198,271
Net cash paid in insurance agency asset acquisitions
-
-
0
0
Benefits received on life insurance policies
164
1,409
702
-43
Proceeds from sales of premises and equipment
0
469
916
6
Purchases of premises and equipment
60,081
38,605
42,516
36,918
Proceeds from sales of foreclosed assets
82
453
705
0
Net cash from investing activities
-1,855,704
-1,329,728
550,305
-275,187
Net change in deposits
497,841
-81,690
400,712
833,538
Net change in short-term borrowings
785,041
-417,573
-50,894
151,445
Proceeds from stock option exercises
0
0
4,065
1,925
Purchase of treasury stock
90,895
72,298
85,371
69,785
Cash dividends paid on preferred stock
1,669
1,669
1,669
1,668
Cash dividends paid on common stock
64,775
64,008
64,064
64,702
Net cash from financing activities
1,125,543
-637,238
202,779
850,753
Net change in cash and cash equivalents
-677,217
-1,729,644
933,819
824,149
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 (891.68%↑ Y/Y)Net change indeposits$497,841K (147.91%↑ Y/Y)Net income$172,059K (-44.12%↓ Y/Y)Accrued interestreceivable and other assets-$23,475K (-1434.31%↓ Y/Y)Depreciation andamortization$22,434K (-48.70%↓ Y/Y)Credit loss expense$9,767K (-62.72%↓ Y/Y)Lease right-of-useassets$7,904K (-38.67%↓ Y/Y)Stock-based compensation$5,403K (-39.38%↓ Y/Y)Net tax benefit fromstock-based compensation-$160K (88.37%↑ Y/Y)Net cash fromfinancing activities$1,125,543K (203.58%↑ Y/Y)Net cash fromoperating activities$52,944K (134.08%↑ Y/Y)Canceled cashflow$157,339K Canceled cashflow$188,258K Net change in cashand cash...-$677,217K (78.28%↑ Y/Y)Canceled cashflow$1,178,487K Maturities, calls andprincipal repayments$4,494,243K (-34.70%↓ Y/Y)Securities held to maturitymaturities, calls and...$19,232K (-58.98%↓ Y/Y)Benefits received on lifeinsurance policies$164K (-90.99%↓ Y/Y)Proceeds from sales offoreclosed assets$82K (-99.46%↓ Y/Y)Purchase of treasurystock$90,895K (3296.67%↑ Y/Y)Cash dividends paidon common stock$64,775K (-48.83%↓ Y/Y)Cash dividends paidon preferred stock$1,669K (-50.00%↓ Y/Y)Accrued interestpayable and other...-$173,978K (68.47%↑ Y/Y)Accretion of loandiscounts$8,359K (-39.07%↓ Y/Y)Deferred tax expense(benefit)-$2,844K (29.20%↑ Y/Y)Trading accountsecurities$1,527K (-64.56%↓ Y/Y)Earnings on lifeinsurance policies$962K (-48.88%↓ Y/Y)Securities premiumamortization (discount...$578K (102.87%↑ Y/Y)Net (gain) loss onsale/write-down of...$10K (-99.58%↓ Y/Y)Net cash frominvesting activities-$1,855,704K (1.09%↑ Y/Y)Canceled cashflow$4,513,721K Purchases$5,755,298K (-30.54%↓ Y/Y)Net change in loans$554,046K (7.77%↑ Y/Y)Purchases of premises andequipment$60,081K (-10.62%↓ Y/Y)

CULLEN FROST BANKERS, INC. (CFR)

CULLEN FROST BANKERS, INC. (CFR)