[CFR] YoY Quarter Result on 31-Dec-2015 [#Q4]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
04-Feb-2016
Financial Year
2015
Quarter
31-Dec-2015 [#Q4]
Profit Trend
QoQ- -23.22%
YoY- -19.90%
Quarter Report
CFR's Result
CFR's Financial Summary
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Quarter Result
31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 31/12/13 31/12/12 CAGR
Revenue 336,327 313,989 295,037 269,294 261,634 237,746 230,292 6.51%
PBT 132,863 109,607 92,247 61,895 88,233 77,332 80,100 8.79%
Tax 13,610 9,083 8,528 3,657 15,529 14,761 19,912 -6.14%
NP 119,253 100,524 83,719 58,238 72,704 62,571 60,188 12.06%
Tax Rate -10.24% -8.29% -9.24% -5.91% -17.60% -19.09% -24.86% -
Total Cost 217,074 213,465 211,318 211,056 188,930 175,175 170,104 4.14%
Ratio Analysis
31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 31/12/13 31/12/12 CAGR
NP Margin 35.46 32.02 28.38 21.63 27.79 26.32 26.14 5.21%
Per Share
31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 31/12/13 31/12/12 CAGR
EPS 1.84 1.54 1.31 0.90 1.12 1.00 0.98 11.06%
EPS Diluted 1.82 1.53 1.31 0.90 1.11 0.99 0.97 11.05%

PBT = Profit before Tax, NP = Net Profit, NP Margin = Net Profit Margin, EPS = Earning Per Share, EPS Diluted = Earning Per Share Diluted.

NP Margin, QoQ ⃤ & YoY ⃤ figures in Percentage; EPS & EPS Diluted figures in Cent.

All figures in '000 unless specified.