Frost Bank Cash Flow Statement
CFR / Financials|15 years of annual SEC 10-K data (FY2011-FY2025)
Covers operating cash flow, capital expenditures, free cash flow, share buybacks, and dividends paid across 15 fiscal years. All figures from audited SEC 10-K filings.
Frost Bank generated $274M in operating cash flow and $127M in free cash flow in FY2025. Free cash flow margin was 5.7% of revenue.
Based on SEC 10-K filings.
Key Data Points
- Altman Z-Score 0.15 (distress zone, below 1.8 threshold)
- Strong profit margin: 29.1%
Data sourced from SEC EDGAR filings. Not investment advice.
| Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $648.6M | $582.5M | $598.0M | $579.1M | $443.1M | $331.2M | $443.6M | $454.9M | $364.1M | $304.3M | $279.3M | $278.0M | $237.9M | $238.0M | $217.5M |
| Depreciation & Amortization | $87.8M | $82.8M | $76.4M | $71.3M | $69.3M | $64.4M | $54.1M | $50.2M | $47.8M | $48.2M | $42.1M | $39.9M | $38.5M | $37.8M | $37.6M |
| Operating Cash Flow | $274.0M | $989.5M | $478.8M | $722.6M | $648.3M | $524.2M | $634.1M | $562.4M | $538.1M | $437.8M | $394.9M | $289.9M | $173.6M | $300.0M | $274.4M |
| Capital Expenditures | $146.7M | $127.8M | $158.6M | $102.5M | $65.8M | $95.4M | $206.7M | $79.3M | $34.1M | $53.6M | $147.1M | $132.0M | $39.6M | $24.9M | $26.7M |
| Free Cash Flow | $127.3M | $861.8M | $320.2M | $620.1M | $582.4M | $428.8M | $427.4M | $483.1M | $504.0M | $384.2M | $247.7M | $157.9M | $134.0M | $275.1M | $247.7M |
| Share Buybacks | $157.8M | $60.9M | $42.7M | $4.4M | $3.9M | $15.8M | $68.8M | $101.0M | $101.5M | $1.3M | $101.2M | $1.5M | $144.6M | $436.0K | $2.0M |
| Dividends Paid | $255.4M | $242.4M | $232.3M | $209.8M | $188.8M | $180.6M | $177.0M | $165.4M | $144.2M | $134.9M | $132.2M | $127.2M | $119.6M | $116.9M | $112.2M |
| FCF Margin | 5.7% | 41.8% | 16.1% | 36.6% | 42.5% | 29.8% | 31.2% | 36.9% | 41.9% | 34.1% | 23.3% | 15.7% | 14.5% | 30.8% | 28.4% |