Cullen/Frost Bankers, Inc. (CFR)

NYSE: CFR · USD

$157

-0.16 (-0.1%)· Recorded snapshot

Market cap	9.8B
Revenue (ttm)	2.3B
Net income (ttm)	669.4M
EPS (ttm)	$10.6
Shares out	62.1M
P/E (trailing)	14.9x
P/E (forward)	13.6x
Dividend	$4.12 (2.63%)
Volume	405,309
Beta	0.55

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.3B
Net income (ttm): 669.4M
EPS (ttm): $10.6
P/E (trailing): 14.9x
P/E (forward): 13.6x
Market cap: 9.8B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Sterk kopen
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Sterk kopen
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Aanhouden

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E13.6

P25 n/aP50 n/aP75 n/a

Trailing P/E14.9

P25 n/aP50 n/aP75 n/a

ROE15.5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All CFR indicators

Market & fundamental data

Available fields

250

Groups with data

Currency

USD

Showing 250 of 250 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0000039263
Company name	Cullen/Frost Bankers, Inc.
Country	United States
Country code	US
CUSIP number	229899109
Earnings date	2026-10-29
Earnings time	bmo
Employees	6,008
Employees change	154
Employees growth	2.63%
Enterprise value	$8.7B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1868
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US2298991090
Last 10-K release date	2026-02-05
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	1999-06-23
Last stock split type	Forward
Market cap	$9.8B
Market cap category	Mid-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$157.42
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	CFR
U.S. state	Texas
Website	https://www.frostbank.com

Valuation

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

Metric	Value
Adjusted P/E ratio	14.55x
Average P/E ratio (10Y)	14.92x
Average P/E ratio (3Y)	13.03x
Average P/E ratio (5Y)	14.28x
Earnings yield	6.72%
EV/Earnings	12.98x
EV/FCF	16.05x
EV/Sales	3.84x
FCF / EV yield	6.23%
FCF yield	5.54%
Forward EV/Sales	3.48x
Forward P/E	13.61x
Forward P/S	3.91x
Graham number	130.92444
Graham upside	-16.74%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$109.25
Lynch upside	-30.53%
P/B ratio	2.19x
P/E ratio	14.89x
P/FCF ratio	18.05x
P/OCF ratio	13.58x
P/S ratio	4.32x
PEG ratio	1.74x
Price / tangible book value	2.18x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

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

Metric	Value
Effective tax rate	15.9%
FCF margin	23.91%
Operating margin	36.72%
Pretax margin	35.9%
Profit margin	30.19%
Profit per employee	$111,425
Profitable quarters	134
Profitable years	35
Revenue per employee	$376,909
ROA	1.3%
ROA (5Y)	1.12%
ROE	15.5%
ROE (5Y)	14.7%
SBC / revenue	1.17%
Tax / revenue	5.71%

Growth

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

Metric	Value
EPS growth	13.83%
EPS growth (Q)	12.82%
EPS growth (QoQ)	1.76%
EPS growth 10Y	9.56%
EPS growth 3Y	-0.29%
EPS growth 5Y	10.28%
EPS growth quarters	7
EPS growth years	1
FCF growth	529.71%
FCF growth 3Y	-2.88%
FCF growth 5Y	-1.85%
Net income growth	12.21%
Net income growth (Q)	9.59%
Net income growth (QoQ)	0.71%
Net income growth 3Y	-0.87%
Net income growth 5Y	10.33%
Net income growth quarters	7
Net income growth years	1
OCF growth	232.86%
OCF growth (Q)	-62.39%
OCF growth (QoQ)	-77.69%
OCF growth 10Y	4.61%
OCF growth 3Y	-1.4%
OCF growth 5Y	1.56%
Revenue growth	8.88%
Revenue growth (Q)	6.09%
Revenue growth (QoQ)	-0.33%
Revenue growth 10Y	8.35%
Revenue growth 3Y	5.45%
Revenue growth 5Y	11.58%
Revenue growth quarters	9
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-178.1M
EPS	$10.58
FCF per share	$8.71
Financing cash flow	$1.5B
Free cash flow	$541.5M
Gross profit	$2.3B
Income taxes	$129.3M
Investing cash flow	$-2.9B
Net borrowing	$468M
Net cash flow	$-648.9M
Net income	$669.4M
Operating income	$831.4M
Revenue	$2.3B
Stock-based compensation	$26.4M

Financial strength

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

Metric	Value
Book value per share	$72.04
Debt / equity	1.2
Debt / FCF	10.23
Net cash (debt)	$1.1B
Net cash / market cap	11.09%
Net cash growth	-50.53%
Net debt / equity	-0.23
Net debt / FCF	-2
Piotroski F-Score	4
Property, plant and equipment	$1.4B
Shareholders' equity	$4.6B
Tangible book value	$4.5B
Tangible book value per share	$72.04
Total assets	$53.9B
Total cash	$6.6B
Total debt	$5.5B
Total liabilities	$49.3B
WACC	4.64%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-41.5B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	1.46%
Dividend growth	4.1%
Dividend growth (10Y)	6.61%
Dividend growth (3Y)	4.77%
Dividend growth (5Y)	6.89%
Dividend growth years	32
Dividend payment date	2026-09-15
Dividend payment years	34
Dividend payout frequency	Quarterly
Dividend per share	$4.12
Dividend yield	2.63%
Ex-dividend date	2026-08-31
FCF payout ratio	47.29%
Last dividend	$1.03
Payout ratio	38.96%
Shareholder yield	4.1%

Performance and technicals

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

Metric	Value
10Y price change	105.75%
10Y return CAGR	10.62%
10Y total return	174.33%
150-day SMA	$151.88
15Y price change	209.64%
15Y return CAGR	11.07%
15Y total return	382.88%
1D price change	-0.1%
1M price change	-0.67%
1M total return	-0.67%
1W price change	0.22%
1W total return	0.22%
1Y price change	24.83%
1Y return CAGR	28.52%
1Y total return	28.5%
20-day SMA	$154.22
200-day SMA	$148.62
20Y price change	186.76%
20Y return CAGR	8.65%
20Y total return	425.38%
3M price change	-4.58%
3M total return	-3.97%
3Y price change	74.38%
3Y return CAGR	24.17%
3Y total return	91.49%
50-day SMA	$158.00
50-day SMA vs 200-day SMA	50over200
52-week high	$170.80
52-week high date	2026-08-17
52-week low	$119.15
52-week low date	2025-11-17
5Y price change	22.42%
5Y return CAGR	7.26%
5Y total return	41.97%
6M price change	8.92%
6M total return	10.46%
All-time high	$170.80
All-time high date	2026-08-17
All-time low	$1.19
All-time low date	1990-11-14
Average true range (ATR)	$2.85
Average volume	408.8K
Beta (1Y)	-0.05
Beta (2Y)	0.81
Beta (5Y)	0.55
Change from 52-week high	-7.83%
Change from 52-week low	32.13%
Change from all-time high	-8.45%
Change from all-time low	13,007.29%
Change from open	0.17%
Day's gap	-0.27%
Dollar volume	$63.8M
High price	$157.69
Low price	$156.09
Monthly RSI	61.41
Open price	$157.15
Position in 52-week range	83.12%
Premarket change	0.29%
Premarket close	$157.58
Premarket price	$158.03
Previous close	$157.58
Price vs 150-day SMA	2.96%
Price vs 20-day SMA	1.39%
Price vs 200-day SMA	5.22%
Price vs 50-day SMA	-1.03%
Relative volume	0.99
RSI	51.15
Sharpe ratio	1.19
Sharpe ratio (3Y)	0.86
Sharpe ratio (5Y)	0.24
Sortino ratio	2.17
Sortino ratio (3Y)	1.55
Sortino ratio (5Y)	0.54
Volume	405.3K
Weekly RSI	53.97
YTD price change	23.49%
YTD total return	26.1%

Ownership and float

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

Metric	Value
Float	61.3M
Float percentage	98.64%
Shares change (QoQ)	-1.02%
Shares change (YoY)	-1.46%
Shares held by insiders	1.28%
Shares held by institutions	92.84%
Shares outstanding	62.1M
Short % of float	7.2%
Short % of shares	7.11%
Short ratio	8.3 days

Deeper analysis on CFR

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this CFR report

Is a complete CFR research report available?

No complete published report is available for Cullen/Frost Bankers, Inc. (CFR) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Cullen/Frost Bankers, Inc. (CFR)

Price

Financial snapshot

Fair-value bridge

Latest news · CFR

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CFR indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CFR

Frequently asked questions