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Cullen/Frost Bankers Inc. (CFR)
Price$144.41
Favorite Metrics
Price vs S&P 500 (26W)8.34%
Price vs S&P 500 (4W)-0.05%
Market Capitalization$9.14B
P/E Ratio (Annual)14.10x
Indicated Dividend Yield (Annual)2.77%
All Metrics
P/CF (Annual)33.37x
Book Value / Share (Quarterly)$72.26
P/TBV (Annual)2.74x
Indicated Dividend (Annual)$4.00
Revenue Growth (3Y)9.18%
Cash Flow / Share (Quarterly)$2.01
Payout Ratio (TTM)40.40%
Price vs S&P 500 (YTD)10.11%
Net Profit Margin (TTM)34.51%
EPS (TTM)$10.12
10-Day Avg Trading Volume0.51M
EPS Excl Extra (TTM)$10.12
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)14.10x
Revenue Growth QoQ (YoY)37.42%
EPS Growth (5Y)13.99%
P/E Normalized (Annual)14.10x
ROA (Last FY)1.22%
Revenue Growth TTM (YoY)75.95%
EBITD / Share (TTM)$13.41
ROE (5Y Avg)14.73%
Operating Margin (TTM)40.79%
Cash Flow / Share (Annual)$2.01
P/B Ratio2.00x
P/B Ratio (Quarterly)1.77x
Net Income / Employee (Annual)$0
ROA (TTM)1.24%
EPS Growth QoQ (YoY)8.48%
EV / EBITDA (TTM)16.18x
EPS Incl Extra (Annual)$10.12
3-Month Avg Trading Volume0.53M
52-Week Price Return29.40%
EV / Free Cash Flow (Annual)109.25x
P/E Incl Extra (TTM)14.10x
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 Return15.23%
13-Week Price Return3.79%
Total Debt / Equity (Annual)1.04x
Enterprise Value$13,910.757
Revenue / Share Growth (5Y)7.16%
Book Value / Share Growth (5Y)1.18%
Revenue / Employee (Annual)$355,651
Pretax Margin (Annual)39.43%
Cash / Share (Annual)$10.75
3-Month Return Std Dev21.08%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)15.64%
EBITDA Interim CAGR (5Y)14.13%
ROE (Last FY)14.18%
EPS Basic Excl Extra (Annual)$10.12
P/FCF (TTM)19.69x
EV / Free Cash Flow (TTM)109.25x
Total Debt / Equity (Quarterly)1.04x
EPS Incl Extra (TTM)$10.12
ROI (TTM)7.14%
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/E13.96x
Free OCF CAGR (5Y)-21.56%
Price vs S&P 500 (52W)-5.23%
P/E Ratio (TTM)14.10x
EPS Growth TTM (YoY)-9.53%
Year-to-Date Return14.04%
5-Day Price Return1.44%
EPS Normalized (Annual)$10.12
ROA (5Y Avg)1.10%
Net Profit Margin (Annual)34.15%
Month-to-Date Return5.35%
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)33.37x
ROI (5Y Avg)6.87%
P/E Excl Extra (TTM)14.10x
LT Debt / Equity (Quarterly)0.05x
EPS Basic Excl Extra (TTM)$10.12
P/TBV (Quarterly)2.04x
Payout Ratio (Annual)40.40%
P/B Ratio (Annual)1.77x
Dividend / Share (TTM)$4.11
Pretax Margin (TTM)40.79%
Book Value / Share (Annual)$72.26
Price vs S&P 500 (13W)1.41%
Net Margin Growth (5Y)2.21%
Dividend Yield (TTM)2.87%
Beta0.59x
P/FCF (Annual)71.81x
Revenue / Share (TTM)$30.90
ROE (TTM)14.95%
52-Week Low$109.43
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.26
3.32
3.32
3.32
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CFRCullen/Frost Bankers Inc. | 1.77x | 14.95% | 1.24% | — | $144.41 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $316.99 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.95 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.97 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $133.05 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $205.71 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $43.82 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.60 |
PNCPNC Financial Services Group | 1.32x | 11.98% | 1.25% | — | $227.03 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $57.00 |
TFCTruist Financial Corporation | 0.89x | 8.51% | 1.01% | — | $50.84 |
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.