Cullen/Frost Bankers Inc.
CFR-PB | NYSE
$15.35
+$0.09 (+0.59%)
Nov 2, 2026, 10:00 AM ET · Market open
Market Data
Market Cap $9.8B
Enterprise Value $-12.43B
Beta 0.53
Average Volume 15.88K
Shares Outstanding (Diluted) 62.12M
Shares Change YoY -3.13%
Institutional Ownership N/A
Exchange NYSE
ISIN US2298993070
Price Performance
Price Change 1M -2.3%
Price Change 3M -7.7%
Price Change 6M -9.8%
Price Change YTD -11.6%
Price Change 1Y -16.9%
Price Change 3Y -13.5%
Price Change 5Y -42.7%
1M CAGR (ann.) -3.2%
1Y CAGR (ann.) -9.9%
5Y CAGR (ann.) -4.8%
All-Time CAGR -2.6%
Valuation
PE Ratio 1.43
Forward PE 12.62
PEG Ratio 1.35
Forward PEG 1.19
PS Ratio 3.69
Forward PS 3.80
PB Ratio 2.47
P/FCF Ratio 16.99
P/Adj. FCF Ratio 17.84
P/OCF Ratio 1.25
EV/Sales -4.66
EV/EBIT -12.64
EV/EBITDA -11.88
EV/FCF -21.49
Earnings Yield 69.8%
FCF Yield 5.9%
Adj. FCF Yield 5.6%
Financial Health
Net Cash $22.25B
Total Debt $5.36B
Cash & Short-Term Investments $27.61B
Total Assets $54.52B
Current Ratio 0.36
Quick Ratio 0.36
Debt / Equity Ratio 1.35
Debt / EBITDA 5.12
Debt / FCF 9.27
OCF / Debt 0.14
Interest Coverage 1.35
Altman Z-Score -0.35
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 86.3%
Operating Profit Margin 30.7%
EBITDA Margin 39.3%
Net Profit Margin 25.9%
FCF Margin 21.7%
Adj. FCF Margin 20.7%
SBC / Revenue 1.0%
SBC Impact (per share) -4.8%
Returns
Return on Assets 1.3%
Return on Equity 15.6%
Return on Invested Capital -2.8%
Return on Capital Employed 15.9%
Return on Tangible Assets 1.3%
Historical Growth (CAGR)
Revenue CAGR 3Y 1.3%
Revenue CAGR 5Y 14.1%
Revenue CAGR 10Y 9.1%
EPS CAGR 3Y 1.0%
EPS CAGR 5Y 10.3%
EPS CAGR 10Y 9.5%
FCF CAGR 3Y -0.1%
FCF CAGR 5Y 1.0%
FCF CAGR 10Y 6.4%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 28, 2027
EPS Estimate (next Q) $2.89
EPS Growth Est (next Q) 12.9%
Revenue Est (next Q) $631.36M
Revenue Growth Est (next Q) 4.6%
Fair Value Estimates
Graham Number $124.40
Graham Upside 708.3%
Lynch Fair Value $110.19
Lynch Upside 616.0%
Price Target $0.00
Price Target Upside N/A
Cash Flow
Operating Cash Flow $763.65M
Free Cash Flow $578.46M
Adj. Free Cash Flow $550.68M
FCF Per Share $9.31
OCF Per Share $12.29
OCF/S Ratio 28.6%
Income Statement
Revenue $2.67B
Gross Profit $2.3B
Operating Income $819.47M
EBITDA $1.05B
Net Income $689.51M
EPS (Diluted) $10.75
Revenue / Employee $443.65K
Profit / Employee $114.76K
Employees 6,008
Dividends
Annual Dividend $1.11
Dividend Yield 7.21%
Payout Ratio 10.3%
FCF Payout Ratio 45.7%
Adj. FCF Payout Ratio 48.0%
Dividend Growth (YoY) 0.0%
Pay Frequency Quarterly
Ex-Dividend Date Nov 30, 2026
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