Cullen/Frost Bankers EBITDA | CFR

Earnings before Interest, Taxes, Depreciation, and Amortization (EBITDA), is an often used measure of a company's profitability. Financial analysts use EBITDA for a number of purposes including calculating simple valuations of a firm, estimating cash flows, and assessing debt servicing capability. The uses for EBITDA in financial analysis are numerous, but in practice should be more restrained. While EBITDA has some useful applications, it should be used with caution, as the problems with EBITDA are abundant and can lead to a number of misguided conclusions.^[1]

EBITDA is an important indicator for investors and analysts because it allows them to evaluate a company's operating profit without considering the impact of financial expenses, taxes, or non-cash depreciation and amortization. It provides better comparability between companies in different industries or with different tax conditions.

EBITDA is often used to assess a company's ability to generate cash flow and repay debts. It can also serve as a measure of a company's operational efficiency, as it shows how profitable the core business is, regardless of external factors such as interest or taxes.

However, it is important to note that EBITDA is not an official financial statement measure and can be defined and calculated differently by companies. Therefore, investors and analysts should exercise caution when using EBITDA as an evaluation tool and combine it with other financial metrics and information to get a more complete picture of a company's financial condition.

Annual EBITDA Cullen/Frost Bankers

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
87.8 M	82.8 M	76.4 M	71.3 M	69.3 M	64.4 M	54.1 M	50.2 M	-	-	-	-	-	-	-	37.6 M	6.54 M	7.91 M	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
87.8 M	6.54 M	55.3 M

Quarterly EBITDA Cullen/Frost Bankers

2026-Q3	2026-Q2	2026-Q1	2025-Q4	2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1	2010-Q4	2010-Q3	2010-Q2
-	22.4 M	22.2 M	1.33 M	22.2 M	21.8 M	21.9 M	487 K	20.7 M	20.5 M	20.2 M	4.34 M	56.1 M	82 K	96 K	100 K	103 K	131 K	146 K	153 K	157 K	185 K	202 K	208 K	212 K	241 K	257 K	264 K	274 K	25.7 M	12.8 M	-	37.5 M	24.6 M	12.1 M	-	35.8 M	24.1 M	12.1 M	-	35.7 M	23.8 M	11.9 M	-	30.9 M	20.2 M	10 M	-	29.6 M	19.4 M	9.7 M	-	28.8 M	19.1 M	9.46 M	-	28.4 M	18.9 M	9.5 M	-	1.11 M	1.11 M	1.12 M	-	1.28 M	1.3 M

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
56.1 M	82 K	13.1 M

References

Brockman, C. M., & Russell, J. W. (2012). EBITDA: use it... or lose it?. International Journal of Business, Accounting and Finance, 6(2), 84-93.

EBITDA of other stocks in the Banks regional industry

Issuer	EBITDA	Price	% 24h	Market Cap	Country
Nicolet Bankshares, Inc. NCBS	147 M	-	0.35 %	$ 1.01 B	USA
Union Bankshares UNB	1.63 M	$ 22.84	-0.95 %	$ 104 M	USA
Premier Financial Bancorp, Inc. PFBI	19.1 M	-	-0.34 %	$ 262 M	USA
Pacific Mercantile Bancorp PMBC	12.8 M	-	-1.16 %	$ 225 M	USA
Riverview Financial Corporation RIVE	-20.1 M	-	1.44 %	$ 145 M	USA
Woori Financial Group WF	4.26 T	$ 68.74	-1.95 %	$ 51 B	South-korea
Standard AVB Financial Corp. STND	10.5 M	-	0.06 %	$ 158 M	USA
Waterstone Financial WSBF	2.55 M	$ 20.16	-1.71 %	$ 360 M	USA
WSFS Financial Corporation WSFS	15.3 M	$ 79.89	-0.01 %	$ 4.5 B	USA
Westamerica Bancorporation WABC	7.25 M	$ 59.76	-0.48 %	$ 1.53 B	USA
Western Alliance Bancorporation WAL	107 M	$ 76.23	-1.26 %	$ 8.29 B	USA
Zions Bancorporation, National Association ZION	116 M	$ 66.38	0.2 %	$ 9.77 B	USA
Amalgamated Bank AMAL	6.22 M	$ 50.22	-0.61 %	$ 1.52 B	USA
Carter Bankshares CARE	7.86 M	$ 29.47	0.27 %	$ 662 M	USA
C&F Financial Corporation CFFI	3.92 M	$ 108.44	0.69 %	$ 351 M	USA
Fidelity D & D Bancorp FDBC	5.5 M	$ 68.45	-0.09 %	$ 395 M	USA
First Interstate BancSystem FIBK	50.8 M	$ 37.97	-1.18 %	$ 3.89 B	USA
Intercorp Financial Services IFS	1.65 B	$ 48.67	1.58 %	$ 5.56 B	-
First Foundation FFWM	4.37 M	-	-	$ 487 M	USA
Unity Bancorp UNTY	1.4 M	$ 58.33	-0.27 %	$ 585 M	USA
Popular BPOP	53.3 M	$ 159.22	0.91 %	$ 10.8 B	USA
Chemung Financial Corporation CHMG	1.9 M	$ 86.02	-0.31 %	$ 413 M	USA
Berkshire Hills Bancorp BHLB	10 M	-	-0.65 %	$ 1.11 B	USA
Carver Bancorp CARV	813 K	-	-	$ 7.31 M	USA
CBTX CBTX	29.6 M	-	1.49 %	$ 1.51 B	USA
Central Valley Community Bancorp CVCY	3.28 M	-	2.26 %	$ 233 M	USA
Dime Community Bancshares DCOM	7.4 M	-	-	$ 1.48 B	USA
Flushing Financial Corporation FFIC	5.34 M	-	-	$ 525 M	USA
Fifth Third Bancorp FITB	554 M	-	-	$ 35.7 B	USA
Mid Penn Bancorp MPB	4.86 M	$ 34.82	-0.14 %	$ 758 M	USA
First Savings Financial Group FSFG	2.24 M	-	-	$ 232 M	USA
HomeStreet HMST	10.6 M	-	1.84 %	$ 262 M	USA
Heritage Commerce Corp HTBK	1.81 M	-	-	$ 826 M	USA
IF Bancorp IROQ	621 K	-	-	$ 83.7 M	USA
Medallion Bank MBNKP	8.32 M	-	-	$ 572 M	USA
Northfield Bancorp (Staten Island, NY) NFBK	3.2 M	$ 15.31	-	$ 614 M	USA
New York Community Bancorp NYCB	148 M	-	-8.26 %	$ 7.53 B	USA
Origin Bancorp OBNK	10.2 M	-	-1.85 %	$ 881 M	USA
OP Bancorp OPBK	7.26 M	-	1.26 %	$ 158 M	USA
SmartFinancial SMBK	5 M	-	-0.65 %	$ 383 M	USA
Triumph Bancorp TBK	14.9 M	-	4.48 %	$ 1.44 B	USA
United Security Bancshares UBFO	1.46 M	-	-	$ 181 M	USA
United Community Banks UCBI	46 M	-	-3.23 %	$ 3.27 B	USA
Synovus Financial Corp. SNV	37.4 M	-	-	$ 7.22 B	USA
Tectonic Financial TECTP	241 K	-	-	$ 70.7 M	USA
California BanCorp CALB	10.6 M	-	1.05 %	$ 210 M	USA
Flagstar Bancorp FBC	84 M	-	-0.08 %	$ 2.02 B	USA
BankFinancial Corporation BFIN	163 K	-	-	$ 151 M	USA
Provident Bancorp PVBC	912 K	-	-	$ 226 M	USA