Earnings call transcript: Cullen/Frost tops Q3 2026 estimates, lifts outlook

Cullen/Frost Bankers reported a Q3 2026 earnings call that exceeded Wall Street expectations, with earnings per share of $2.84 and revenue of $626.73 million. The San Antonio-based lender saw a widening net interest margin, increased loans and deposits, and raised several full-year outlook items. Shares were modestly higher in premarket trading, indicating investors viewed the report as solid but not a major surprise.

Management highlighted the company's branch expansion strategy, mortgage lending, treasury management, and opportunities arising from bank mergers and acquisitions as key growth drivers.

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