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Cullen/Frost Bankers, Inc. CFR R3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.frostbank.com
Company Profile ↓
$163.61
+34.47% 1Y
Mkt Cap$10.17B
P/E15.45
P/B2.25
Div. Yield2.52%
52W High$169.00
52W Low$116.42
Book Value$72.04
EPS (TTM)$10.59

Company Overview

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.5%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at an undemanding P/E of 15.4.

Healthy Margins

Maintains a net profit margin of 30.2%.

Dividend Income

Offers a dividend yield of 2.52%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $121.57M (+14.4% YoY); net profit $648.56M.
  • Trailing 12 Months Year-on-year growth — revenue +6.1%, earnings +12.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR -13.1%, profit CAGR 6.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-13.13%
1 Year:6.10%

Compounded Profit Growth

5 Years:6.94%
1 Year:12.80%

Stock Price Performance

1 Year:+34.47%
6 Months:+23.39%
3 Months:+16.90%
1 Month:+0.10%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 90% of range
$116.42 $169.00
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)54.16 · Neutral
Price Performance
1M+0.10%
3M+16.90%
6M+23.39%
1Y+34.47%
Valuation vs Sector

P/E of 15.45 is above the sector median of 12.89 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 30.2%.
  • Attractive dividend yield of 2.52%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -13.1% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
15.45
Industry PE
12.89
Forward P/E
13.93
PEG Ratio
3.32
Book Value
$72.04
Price to Book
2.25
P/S
4.44
EV/EBITDA
-
Dividend Yield
2.52%

Growth (CAGR)

Revenue 5Y
-13.13%
Profit 5Y
6.94%
Revenue (YoY)
6.10%
Earnings (YoY)
12.80%

Profitability & Returns

ROCE
-
ROE
15.50%
ROA
1.30%
Profit Margin
30.19%
Op Margin
37.24%
Gross Margin
0.00%
EPS (Latest Qtr)
$2.70
EPS (TTM)
$10.59

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$5.54B
Total Assets
$53.88B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
6.14%
Chg in Prom Hold
-
FII / Inst Holding
96.16%
Chg in FII Hold
-0.09%

Financial Snapshot

Enterprise Value
$10.17B
Total Revenue (TTM)
$2.26B
EBITDA
-
Free Cash Flow
$127.33M
Operating Cash Flow
$719.58M
Shares Outstanding
62.15M
Gross Margin
0.00%
Payout Ratio
38.09%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CFR Cullen/Frost Bankers, Inc. R3KFINANCIAL 163.61 15.45 $10.17B 2.52% - 15.50% -13.13% 6.94%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue -------------------22.94M22.65M17.58M19.81M19.99M19.85M21.22M22.74M23.87M22.96M21.88M23.49M23.60M24.80M26.11M27.41M28.62M29.15M31.44M32.16M34.18M
Net Income 59.66M60.44M61.19M66.70M77.38M72.16M73.08M75.85M68.82M71.51M80.22M84.94M85.55M93.13M106.48M111.34M117.84M116.50M111.59M111.84M54.75M93.07M95.06M116.02M118.07M107.97M99.10M119.11M169.76M177.65M162.12M155.65M135.69M145.50M146.50M150.92M157.00M174.38M170.99M172.06M
Diluted EPS 0.940.960.961.031.181.101.111.171.071.111.241.281.291.411.611.681.781.791.721.730.751.471.501.771.801.651.501.812.592.702.472.382.062.212.242.302.392.672.652.70

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---871.78M893.65M923.37M1.01B1.07B1.13B1.20B85.19M88.98M80.87M83.29M91.89M93.50M106.23M121.57M
Net Income 207.25M179.03M208.76M217.53M237.95M237.87M277.98M279.33M304.26M364.15M454.92M443.60M331.15M443.08M579.15M597.97M582.54M648.56M
Diluted EPS 3.503.003.443.543.863.804.294.284.705.516.906.845.106.768.819.108.879.92

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --16.29B17.62B20.32B23.12B24.31B28.28B28.57B30.20B31.75B32.29B34.03B42.39B50.88B52.89B50.85B52.52B53.04B
Total Equity 1.48B1.76B1.89B2.06B2.28B2.42B2.51B2.85B2.89B3.00B3.30B3.37B3.91B4.29B4.44B3.14B3.72B3.90B4.57B
Cash & Equivalents 1.20B1.24B1.72B2.82B2.91B3.52B4.56B------------
Total Liabilities --14.39B15.56B18.03B20.71B21.80B25.43B25.68B27.19B28.45B28.92B30.12B38.10B46.44B49.76B47.13B48.62B48.47B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 234.37M273.93M424.53M274.37M-----538.08M562.39M634.09M524.24M648.29M722.58M478.85M989.53M273.98M
Investing Cash Flow -1.23B-919.38M-399.82M-2.46B------670.60M-1.91B-1.39B-1.63B-2.53B-8.28B-942.75M-180.88M-1.60B
Financing Cash Flow 1.04B1.13B1.07B2.27B-----1.04B253.66M585.06M7.61B8.17B3.00B-2.88B738.33M-33.09M
Capital Expenditure -67.47M-78.26M-16.83M-26.72M-24.89M-39.60M-131.97M-147.13M-53.65M-34.09M-79.27M-206.72M-95.42M-65.85M-102.50M-158.63M-127.78M-146.65M
Free Cash Flow 166.90M195.67M407.71M247.65M-----503.99M483.12M427.37M428.82M582.44M620.08M320.21M861.76M127.33M
Share Buybacks 23.05M800.00K986.00K2.03M436.00K144.63M1.46M101.24M1.29M101.47M101.01M68.79M15.79M3.86M4.39M42.72M60.90M157.83M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % ---25.0%26.6%25.8%27.6%26.2%27.0%30.3%534.0%498.5%409.5%532.0%630.3%639.5%548.4%533.5%
ROE % 11.8%9.5%10.1%9.5%9.8%9.5%9.7%9.7%10.1%11.0%13.5%11.3%7.7%10.0%18.5%16.1%14.9%14.2%
ROCE % ------------------

Shareholding Pattern

Insiders
6.14%
Institutions
96.16%
Public Float
102.45%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 11.80% 7.34M $1.17B
2 Aristotle Capital Management, LLC 7.19% 4.47M $713.58M
3 State Street Corporation 5.18% 3.22M $514.28M
4 Vanguard Portfolio Management LLC 5.15% 3.20M $511.57M
5 First Eagle Investment Management, LLC 4.47% 2.78M $443.87M
6 Vanguard Capital Management LLC 4.37% 2.72M $433.96M
7 BAILLIE GIFFORD & CO 3.59% 2.23M $356.88M
8 Dimensional Fund Advisors LP 2.66% 1.65M $264.12M
9 Geode Capital Management, LLC 2.15% 1.34M $213.76M
10 King Luther Capital Management 2.00% 1.25M $199.12M

Analyst View

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Latest News

Recent headlines for CFR

Google News ue, 08 Sep 2026

PB or CFR: Which Is the Better Value Stock Right Now? - finance.yahoo.com

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Google News Fri, 04 Sep 2026

Cullen Frost Bankers (CFR) Stock Looks Cheap On Fair Value Yet Rich On Earnings - simplywall.st

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Google News Wed, 02 Sep 2026

Cullen/Frost Bankers (CFR): Buy, Sell, or Hold Post Q2 Earnings? - StockStory

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Google News Mon, 07 Sep 2026

Cullen/Frost Bankers (CFR) Could Be a Great Choice - finance.yahoo.com

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Google News Wed, 02 Sep 2026

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Google News Sat, 29 Aug 2026

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CFR — Frequently Asked Questions

What is the current share price of Cullen/Frost Bankers, Inc. (CFR)?

As of 2026-09-19 21:16 PDT, Cullen/Frost Bankers, Inc. (CFR) trades at $163.61 on NYSE. Its 52-week range is $116.42 to $169.00.

What is the market capitalisation of CFR?

Cullen/Frost Bankers, Inc. (CFR) has a market capitalisation of $10.17B on NYSE.

What is the P/E ratio of CFR?

CFR trades at a trailing price-to-earnings (P/E) ratio of 15.45. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.25.

Does CFR pay a dividend?

Cullen/Frost Bankers, Inc. (CFR) currently offers a dividend yield of 2.52%.

What is the return on equity (ROE) of CFR?

CFR has a return on equity (ROE) of 15.50%.

Is CFR a good stock to buy?

This page provides a data-driven analysis of Cullen/Frost Bankers, Inc. (CFR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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