Cullen/Frost Bankers Inc.
CFR | NYSE
$157.54
-$0.31 (-0.20%)
At close: Oct 30, 2026, 3:59 PM ET
$157.60
+$0.06 (+0.04%)
Pre-market:
Nov 2, 2026, 8:23 AM ET
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
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