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Cullen/Frost Bankers Inc. (CFR)
Price$140.16
Value ScoreD
Growth ScoreC
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)5.36%
Price vs S&P 500 (4W)0.95%
VGM Score41.44
Market Capitalization$8.80B
P/E Ratio (Annual)13.57x
Indicated Dividend Yield (Annual)2.99%
All Metrics
P/CF (Annual)32.13x
Book Value / Share (Quarterly)$72.15
P/TBV (Annual)2.74x
Indicated Dividend (Annual)$4.12
Revenue Growth (3Y)9.18%
Cash Flow / Share (Quarterly)$10.56
Payout Ratio (TTM)39.54%
Price vs S&P 500 (YTD)2.53%
Net Profit Margin (TTM)34.51%
EPS (TTM)$10.48
10-Day Avg Trading Volume0.45M
EPS Excl Extra (TTM)$10.48
Revenue Growth (5Y)10.57%
EPS (Annual)$10.12
Dividend / Share (Annual)$4.11
ROI (Annual)6.94%
Net Profit Margin (5Y Avg)31.33%
Cash / Share (Quarterly)$8.98
P/E Basic Excl Extra (TTM)13.16x
Revenue Growth QoQ (YoY)37.42%
EPS Growth (5Y)13.99%
P/E Normalized (Annual)13.57x
ROA (Last FY)1.22%
Revenue Growth TTM (YoY)75.95%
EBITD / Share (TTM)$13.98
ROE (5Y Avg)14.73%
Operating Margin (TTM)40.79%
Cash Flow / Share (Annual)$2.01
P/B Ratio1.94x
P/B Ratio (Quarterly)1.91x
Net Income / Employee (Annual)$107,900
ROA (TTM)1.28%
EPS Growth QoQ (YoY)15.53%
EV / EBITDA (TTM)14.84x
EPS Incl Extra (Annual)$10.12
3-Month Avg Trading Volume0.55M
52-Week Price Return10.91%
EV / Free Cash Flow (Annual)103.29x
P/E Incl Extra (TTM)13.16x
Tangible BV / Share (Quarterly)$52.82
P/S Ratio (Annual)3.74x
52-Week High$148.97
Operating Margin (5Y Avg)35.04%
EPS Excl Extra (Annual)$10.12
CapEx CAGR (5Y)8.98%
Tangible BV CAGR (5Y)-0.97%
26-Week Price Return13.29%
13-Week Price Return1.91%
Total Debt / Equity (Annual)1.04x
Enterprise Value$13.15B
Revenue / Share Growth (5Y)7.16%
Book Value / Share Growth (5Y)1.18%
Revenue / Employee (Annual)$355,651,300,000
Pretax Margin (Annual)39.43%
Cash / Share (Annual)$10.75
3-Month Return Std Dev19.58%
Net Income / Employee (TTM)$111,300
EBITDA CAGR (5Y)10.07%
EBITDA Interim CAGR (5Y)10.58%
ROE (Last FY)14.18%
EPS Basic Excl Extra (Annual)$10.12
P/FCF (TTM)13.27x
EV / Free Cash Flow (TTM)19.83x
Total Debt / Equity (Quarterly)0.96x
EPS Incl Extra (TTM)$10.48
ROI (TTM)7.35%
Dividend Growth Rate (5Y)7.24%
P/S Ratio (TTM)3.19x
Pretax Margin (5Y Avg)35.04%
Revenue / Share (Annual)$26.29
Tangible BV / Share (Annual)$49.02
Forward P/E12.65x
Free OCF CAGR (5Y)-21.56%
Price vs S&P 500 (52W)-13.45%
P/E Ratio (TTM)13.16x
EPS Growth TTM (YoY)-8.23%
Year-to-Date Return10.68%
5-Day Price Return5.55%
EPS Normalized (Annual)$10.12
ROA (5Y Avg)1.10%
Net Profit Margin (Annual)34.15%
Month-to-Date Return3.42%
Cash Flow / Share (TTM)$11.72
EBITD / Share (Annual)$13.41
EPS Growth (3Y)4.06%
Operating Margin (Annual)39.43%
LT Debt / Equity (Annual)0.05x
P/CF (TTM)10.90x
ROI (5Y Avg)6.87%
P/E Excl Extra (TTM)13.16x
LT Debt / Equity (Quarterly)0.05x
EPS Basic Excl Extra (TTM)$10.48
P/TBV (Quarterly)2.04x
Payout Ratio (Annual)40.40%
P/B Ratio (Annual)1.77x
Dividend / Share (TTM)$4.16
Pretax Margin (TTM)40.79%
Book Value / Share (Annual)$72.26
Price vs S&P 500 (13W)-6.34%
Net Margin Growth (5Y)2.21%
Dividend Yield (TTM)3.00%
Beta0.55x
P/FCF (Annual)69.13x
Revenue / Share (TTM)$30.90
ROE (TTM)15.05%
52-Week Low$119.00
vGradeD
gGradeC
mGradeC
vgmGradeC
Show chart for
Earnings Surprise History
Q1 262.65est. 2.49
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
3.32
3.32
3.32
3.32
Industry Peers — National Banks(117)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
CFRCullen/Frost Bankers Inc. | D | C | C | $140.16 |
| JPMJPMorgan Chase & Co. | D | C | C | $312.37 |
| BACBank of America Corporation | C | C | C | $53.83 |
| WFCWells Fargo & Co. | D | C | D | $81.94 |
| CCitigroup Inc. | C | C | A | $132.47 |
| MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | D | B | A | $9.52 |
| UBSUBS Group AG | C | C | B | $47.01 |
| COFCapital One Financial | C | D | F | $180.67 |
| PNCPNC Financial Services Group | D | C | B | $228.37 |
| USBU.S. Bancorp | B | C | C | $55.69 |
| TFCTruist Financial Corporation | B | C | C | $49.20 |
About
Cullen/Frost Bankers is a regional bank with approximately $53 billion in assets, exclusively serving the Texas market. The company has established a dominant position in San Antonio through its relationship-focused banking model and is expanding into Houston, Dallas, and Austin. It specializes in serving small to medium-sized commercial clients across the state.