Cullen/Frost Bankers Inc.

CFR | NYSE

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$157.54

-$0.31 (-0.20%)

At close: Oct 30, 2026, 3:59 PM ET

$156.73

-$0.81 (-0.51%)

Pre-market: Nov 2, 2026, 7:33 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $9.79B

Enterprise Value $-12.46B

Beta 0.55

Average Volume 526.32K

Shares Outstanding (Diluted) 62.12M

Shares Change YoY -3.13%

Institutional Ownership 91.82%

Exchange NYSE

ISIN US2298991090

Price Performance

Price Change 1M 3.2%

Price Change 3M -5.3%

Price Change 6M 12.2%

Price Change YTD 24.4%

Price Change 1Y 27.9%

Price Change 3Y 73.1%

Price Change 5Y 21.6%

1M CAGR (ann.) -1.4%

1Y CAGR (ann.) 33.6%

5Y CAGR (ann.) 6.8%

All-Time CAGR 10.7%

Valuation

PE Ratio 14.65

Forward PE 13.23

PEG Ratio 1.35

Forward PEG 1.19

PS Ratio 3.67

Forward PS 3.80

PB Ratio 2.46

P/FCF Ratio 16.93

P/Adj. FCF Ratio 17.78

P/OCF Ratio 12.82

EV/Sales -4.68

EV/EBIT -12.67

EV/EBITDA -11.91

EV/FCF -21.54

Earnings Yield 6.8%

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 12

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Jan 28, 2027

EPS Estimate (next Q) $2.85

EPS Growth Est (next Q) 10.9%

Revenue Est (next Q) $631.36M

Revenue Growth Est (next Q) 4.6%

Fair Value Estimates

Graham Number $124.40

Graham Upside -21.0%

Lynch Fair Value $110.19

Lynch Upside -30.1%

Price Target $170.11

Price Target Upside 8.0%

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 $4.06

Dividend Yield 2.58%

Payout Ratio 37.8%

FCF Payout Ratio 45.7%

Adj. FCF Payout Ratio 48.0%

Dividend Growth (YoY) 4.1%

Pay Frequency Quarterly

Ex-Dividend Date Nov 30, 2026