Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

CFR stock hub

Cullen/Frost Bankers, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

8.7B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

CFR

In the news

Latest news · CFR

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E13

P25 8.8P50 10.4P75 13.1

Trailing P/E13.5

P25 10.9P50 14.7P75 36.2

ROE15.5

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All CFR market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

244

Groups with data

Currency

USD

Showing 244 of 244 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000039263
Company name	Cullen/Frost Bankers, Inc.
Country	United States
Country code	US
Cusip	229899109
Employees	6,008
Employees Change	154%
Employees Change Percent	2.63
Enterprise value	$6.2B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US2298991090
Last refreshed	2026-05-10
Market cap	$8.7B
Market cap category	Mid-Cap
Price	$139
Price currency	USD
Rev Per Employee	371,500.17x
Sector	Financials
Sic	6021
Symbol	CFR
Website	https://www.frostbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	7.51%
EV Earnings	9.44x
EV Sales Forward	2.53x
EV/FCF	9.32x
EV/Sales	2.77x
FCF yield	7.61%
Forward P/E	13.03x
P/B ratio	1.99x
P/E ratio	13.52x
P/S ratio	3.91x
PE Ratio10 Y	14.93x
PE Ratio3 Y	12.66x
PE Ratio5 Y	14.42x
PEG ratio	3.45x
PS Forward	3.57x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	29.71%
Gross Profit	$2.2B
Net Income	$654.9M
Net Income Growth	11.85%
Net Income Growth Q	13.3%
Net Income Growth Quarters	6%
Net Income Growth Years	1%
Net Income Growth3 Y	0.51%
Net Income Growth5 Y	11.13%
Pretax Margin	35.62%
Profit Margin	29.96%
Profit Per Employee	$109,000
Profitable Years	35
ROA	1.28
Roa5y	1.12
ROE	15.47
Roe5y	14.7

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	11.94%
Cagr15y	9.14%
Cagr1y	16.78%
Cagr20y	7.68%
Cagr3y	14.42%
Cagr5y	5.43%
Div CAGR10	6.58%
Div CAGR3	5.01%
Div CAGR5	7.02%
EPS Growth	12.73
EPS Growth Q	15.21
EPS Growth Quarters	6
EPS Growth Years	1
EPS Growth3 Y	0.86
EPS Growth5 Y	10.82
FCF Growth	790.77%
FCF Growth3 Y	16.27%
FCF Growth5 Y	9.64%
OCF Growth	293.88%
OCF Growth10 Y	5.56%
OCF Growth3 Y	13.1%
OCF Growth5 Y	10.28%
Revenue Growth	9.51x
Revenue Growth Q	7.76x
Revenue Growth Quarters	8x
Revenue Growth Years	5x
Revenue Growth3 Y	6.68x
Revenue Growth5 Y	12.26x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$52.7B
Cash	$7.4B
Debt	$4.8B
Debt FCF	$7.3
Equity	$4.5B
Liabilities	$48.2B
Net Cash	$2.5B
Net Cash By Market Cap	$29.13
Net Cash Growth	-11.28%
Net Debt Equity	$-0.56
Net Debt FCF	$-3.83
Tangible Book Value	$4.4B
Tangible Book Value Per Share	$69.83
WACC	4.77

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-39.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.72%
Dividend Growth	4.68%
Dividend Growth Years	32%
Dividend per share	$4.12
Dividend Years	34
Dividend Yield	2.97%
Ex Div Date	2026-05-29
Last Dividend	$1.03
Payout Frequency	Quarterly
Payout Ratio	39.24%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	208.85%
1Y total return	16.77%
200-day SMA	132.1
3Y total return	49.81%
50-day SMA	138.6
50-day SMA vs 200-day SMA	50over200
5Y total return	30.23%
All Time High	160.6
All Time High Change	-13.54%
All Time High Date	2022-11-08
All Time Low	1.19
All Time Low Change	11,538.73%
All Time Low Date	1990-11-14
ATR	2.99
Beta	0.58
Beta1y	0.66
Beta2y	0.92
Ch YTD	9.65
High	139.4
High52	149
High52 Date	2026-02-12
High52ch	-6.79%
Low	138.3
Low52	119
Low52 Date	2025-10-16
Low52ch	16.68%
Ma50ch	0.19%
Premarket Change Percent	-0.37
Premarket Price	$138
Premarket Volume	2,246
Price vs 200-day SMA	5.11%
RSI	44.76
RSI Monthly	58.36
RSI Weekly	54.73
Sharpe ratio	0.63x
Sortino ratio	1.18
Total Return	3.68%
Tr YTD	10.42
Tr15y	271.26%
Tr1m	-0.99%
Tr1w	-1.08%
Tr3m	-4.68%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	11
Analyst Count Top	9
Analyst Price Target Top	$142
Analyst Ratings	Hold
Analyst Ratings Top	Hold
Earnings EPS Estimate	$2.49
Earnings EPS Estimate Growth	8.26
Earnings Revenue Estimate	584,895,928x
Earnings Revenue Estimate Growth	8.27x
Operating Income	$813.8M
Operating margin	36.46
Price target	$144
Price Target Change	$3.39
Price Target Change Top	$2.03

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	61,924,558%
Float Percent	98.61%
Net Borrowing	-366,063,000
Shares Insiders	1.31%
Shares Institutions	88.71%
Shares Out	62,797,048
Shares Qo Q	-0.79%
Shares Yo Y	-0.72%
Short Float	0.01%
Short Ratio	0.02
Short Shares	0.01

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$637.3M
Average Volume	509,682.35x
Bv Per Share	69.83
CAPEX	$-144.3M
Ch10y	131.3
Ch15y	137.3
Ch1m	-0.99
Ch1w	-1.08
Ch1y	13.26
Ch20y	140.4
Ch3m	-5.34
Ch3y	35.9
Ch5y	12.47
Ch6m	10.44
Change	0.21%
Change From Open	-0.11
Close	138.6
Days Gap	0.32
Dollar Volume	59,496,947.3
Earnings Date	2026-04-30
Earnings Time	bmo
EPS	$10.27
F Score	4
FCF	$663.1M
FCF EV Yield	10.73x
FCF Per Share	$10.56
Financing CF	-404,228,000
Fiscal Year End	December
Founded	1,868
Graham Number	127.02684
Graham Upside	-8.52
Income Tax	$126.4M
Investing CF	-1,112,181,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-30
Last Report Date	2026-03-31
Last Split Date	1999-06-23
Last Split Type	Forward
Last10k Filing Date	2026-02-05
Lynch Fair Value	$114
Lynch Upside	-17.7
Ma150	133.5
Ma150ch	3.98%
Ma20	142.1
Ma20ch	-2.28%
Net CF	-708,997,000
Next Earnings Date	2026-07-30
Open	139
Optionable	Yes
P FCF Ratio	13.15
P OCF Ratio	10.8
Payment Date	2026-06-15
Position In Range	49.12
Ppne	1,332,450,000
Pre Close	138.6
Price Date	2026-05-08
Ptbv Ratio	1.99
Relative Volume	0.84x
Revenue	2,231,973,000x
SBC By Revenue	1.16x
Share Based Comp	25,855,000
Tax By Revenue	5.66x
Tax Rate	15.9%
Tr20y	339.52%
Tr6m	12.11%
Us State	Texas
Volume	428,498

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

CFR dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.0%

$4.12 annual per share

Payout ratio

+39.2%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+7.0%

32 consecutive years of growth

Total shareholder yield

+3.7%

Next ex-dividend date: 2026-05-29

Performance

CFR stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns CFR?

Insider, institutional, and short-interest positioning.

Institutional ownership

+88.7%

Float: +98.6% of shares outstanding

Insider ownership

+1.3%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

CFR momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

44.8

Neutral momentum band

Price vs 200-day MA

+5.1%

50/200-day relationship not available

Beta (5Y)

0.58

Less volatile than the market

Sharpe ratio

0.63

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

CFR vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Ridurre
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Ridurre
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Ridurre

Questions

About CFR

Hub-level FAQ points readers to the deeper analysis pages.

What is the current CFR stock rating?

Cullen/Frost Bankers, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full CFR analysis?

The full report lives at /stocks/CFR/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for CFR?

The latest report frames CFR around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the CFR page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.