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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是总部位于美国圣安东尼奥的德克萨斯州特许银行，为银行控股公司卡伦/弗罗斯特银行家集团的核心子公司。其在得克萨斯州共设有200家营业网点、1750台自动柜员机，按总资产规模统计位列全美前60大银行之列。
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
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.
