vs
Side-by-side financial comparison of CULLEN/FROST BANKERS, INC. (CFR) and HomeTrust Bancshares, Inc. (HTB), based on the latest 10-Q / 10-K filings. Click either name above to swap in a different company.
HomeTrust Bancshares, Inc. is the larger business by last-quarter revenue ($44.2M vs $32.4M, roughly 1.4× CULLEN/FROST BANKERS, INC.). On growth, CULLEN/FROST BANKERS, INC. posted the faster year-over-year revenue change (15.9% vs 1.7%). CULLEN/FROST BANKERS, INC. produced more free cash flow last quarter ($138.2M vs $-3.2M). Over the past eight quarters, CULLEN/FROST BANKERS, INC.'s revenue compounded faster (14.2% CAGR vs 3.6%).
Frost Bankは米国テキサス州公認の銀行で、本社はサンアントニオに位置し、銀行持株会社カレン/フロスト・バンカーズ・インクの主要子会社です。テキサス州内に200の支店と1750台のATMを展開し、総資産額ベースで米国トップ60の銀行の1つに数えられます。
HomeTrust Bancshares, Inc.は米国ノースカロライナ州アッシュビルに本拠を置く銀行持株会社で、総資産は43億ドル、ノースカロライナ、サウスカロライナ、ジョージア、テネシー各州に計33店舗を展開し、HomeTrust銀行、Tryon連邦銀行など7つの地域銀行を傘下に収めています。
CFR vs HTB — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $32.4M | $44.2M |
| Net Profit | $166.3M | — |
| Gross Margin | — | — |
| Operating Margin | — | 44.9% |
| Net Margin | 513.8% | — |
| Revenue YoY | 15.9% | 1.7% |
| Net Profit YoY | 7.4% | — |
| EPS (diluted) | $2.56 | $0.93 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align — see 8-quarter trend below.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history — bar widths are scaled to the larger of the two companies so you can eyeball the size gap and growth trajectory without doing math. Quarters aligned by calendar period (report date) so offset fiscal years line up.
| Q4 25 | $32.4M | $44.2M | ||
| Q3 25 | $31.4M | $45.4M | ||
| Q2 25 | $29.2M | $44.2M | ||
| Q1 25 | $28.6M | $42.9M | ||
| Q4 24 | $27.9M | $43.5M | ||
| Q3 24 | $27.4M | $42.4M | ||
| Q2 24 | $26.1M | $42.4M | ||
| Q1 24 | $24.8M | $41.2M |
| Q4 25 | $166.3M | — | ||
| Q3 25 | $174.4M | $16.5M | ||
| Q2 25 | $157.0M | $17.2M | ||
| Q1 25 | $150.9M | $14.5M | ||
| Q4 24 | $154.9M | — | ||
| Q3 24 | $146.5M | $13.1M | ||
| Q2 24 | $145.5M | $12.4M | ||
| Q1 24 | $135.7M | $15.1M |
| Q4 25 | — | 44.9% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 43.0% | ||
| Q4 24 | — | 42.1% | ||
| Q3 24 | — | 39.7% | ||
| Q2 24 | — | 37.2% | ||
| Q1 24 | — | 46.1% |
| Q4 25 | 513.8% | — | ||
| Q3 25 | 554.6% | 36.3% | ||
| Q2 25 | 538.6% | 38.9% | ||
| Q1 25 | 527.3% | 33.9% | ||
| Q4 24 | 554.8% | — | ||
| Q3 24 | 534.4% | 31.0% | ||
| Q2 24 | 557.2% | 29.3% | ||
| Q1 24 | 547.2% | 36.5% |
| Q4 25 | $2.56 | $0.93 | ||
| Q3 25 | $2.67 | $0.95 | ||
| Q2 25 | $2.39 | $1.00 | ||
| Q1 25 | $2.30 | $0.84 | ||
| Q4 24 | $2.36 | $0.83 | ||
| Q3 24 | $2.24 | $0.76 | ||
| Q2 24 | $2.21 | $0.73 | ||
| Q1 24 | $2.06 | $0.88 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest filing — the kind of financial-strength check premium terminals charge for.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $324.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $4.6B | $600.7M |
| Total Assets | $53.0B | $4.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | — | $324.7M | ||
| Q3 25 | — | $315.8M | ||
| Q2 25 | — | $297.2M | ||
| Q1 25 | — | $299.8M | ||
| Q4 24 | — | $279.2M | ||
| Q3 24 | — | $293.5M | ||
| Q2 24 | — | $294.2M | ||
| Q1 24 | — | $380.5M |
| Q4 25 | $4.6B | $600.7M | ||
| Q3 25 | $4.5B | $595.8M | ||
| Q2 25 | $4.2B | $579.3M | ||
| Q1 25 | $4.1B | $565.4M | ||
| Q4 24 | $3.9B | $551.8M | ||
| Q3 24 | $4.1B | $540.0M | ||
| Q2 24 | $3.7B | $523.6M | ||
| Q1 24 | $3.6B | $513.2M |
| Q4 25 | $53.0B | $4.5B | ||
| Q3 25 | $52.5B | $4.6B | ||
| Q2 25 | $51.4B | $4.6B | ||
| Q1 25 | $52.0B | $4.6B | ||
| Q4 24 | $52.5B | $4.6B | ||
| Q3 24 | $51.0B | $4.6B | ||
| Q2 24 | $48.8B | $4.7B | ||
| Q1 24 | $49.5B | $4.7B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Net income can be massaged; cash flow is harder to fake.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $180.7M | $-2.1M |
| Free Cash FlowOCF − Capex | $138.2M | $-3.2M |
| FCF MarginFCF / Revenue | 427.1% | -7.1% |
| Capex IntensityCapex / Revenue; lower = less reinvestment burden | 131.4% | 2.4% |
| Cash ConversionOCF / Net Profit; >1× = earnings back up with cash | 1.09× | — |
| TTM Free Cash FlowTrailing 4 quarters | $127.3M | $45.3M |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | $180.7M | $-2.1M | ||
| Q3 25 | $248.6M | $-11.3M | ||
| Q2 25 | $140.8M | $-8.8M | ||
| Q1 25 | $-296.1M | $71.7M | ||
| Q4 24 | $64.3M | $4.8M | ||
| Q3 24 | $307.2M | $43.8M | ||
| Q2 24 | $129.6M | $5.9M | ||
| Q1 24 | $488.4M | $-9.0M |
| Q4 25 | $138.2M | $-3.2M | ||
| Q3 25 | $211.7M | $-12.0M | ||
| Q2 25 | $114.5M | $-10.2M | ||
| Q1 25 | $-337.1M | $70.7M | ||
| Q4 24 | $26.7M | $3.2M | ||
| Q3 24 | $281.9M | $43.1M | ||
| Q2 24 | $103.0M | $5.7M | ||
| Q1 24 | $450.3M | $-9.6M |
| Q4 25 | 427.1% | -7.1% | ||
| Q3 25 | 673.2% | -26.5% | ||
| Q2 25 | 392.8% | -23.0% | ||
| Q1 25 | -1177.7% | 164.7% | ||
| Q4 24 | 95.5% | 7.4% | ||
| Q3 24 | 1028.3% | 101.7% | ||
| Q2 24 | 394.3% | 13.4% | ||
| Q1 24 | 1815.9% | -23.3% |
| Q4 25 | 131.4% | 2.4% | ||
| Q3 25 | 117.4% | 1.7% | ||
| Q2 25 | 90.1% | 3.0% | ||
| Q1 25 | 143.1% | 2.4% | ||
| Q4 24 | 134.9% | 3.6% | ||
| Q3 24 | 92.4% | 1.6% | ||
| Q2 24 | 101.9% | 0.6% | ||
| Q1 24 | 154.0% | 1.4% |
| Q4 25 | 1.09× | — | ||
| Q3 25 | 1.43× | -0.68× | ||
| Q2 25 | 0.90× | -0.51× | ||
| Q1 25 | -1.96× | 4.93× | ||
| Q4 24 | 0.42× | — | ||
| Q3 24 | 2.10× | 3.34× | ||
| Q2 24 | 0.89× | 0.48× | ||
| Q1 24 | 3.60× | -0.60× |
Financial Flow Comparison
Sankey diagram of revenue → gross profit → operating profit → net profit for each company. Charts shown full-width and stacked so both segment hierarchies are readable side-by-side on desktop and mobile.
