Cullen/Frost Bankers Inc. (CFR) Stock Price

CFRStock

$155.05+28.43%52W

Market Cap$9.64B

P/E14.86x

PEG Ratio2.84

Div yield3.72%

Beta0.52

CFR Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-0.99%

Price vs S&P 500 (4W)-1.00%

PEG Ratio2.84

VGM Score44.86

P/E Ratio (Annual)14.86x

Indicated Dividend Yield (Annual)3.72%

P/CF (Annual)35.17x

Book Value / Share (Quarterly)$74.38

P/TBV (Annual)2.74x

Indicated Dividend (Annual)$4.12

Revenue Growth (3Y)9.18%

Cash Flow / Share (Quarterly)$8.71

Payout Ratio (TTM)38.65%

Price vs S&P 500 (YTD)10.52%

Net Profit Margin (TTM)34.51%

EPS (TTM)$10.80

10-Day Avg Trading Volume0.43M

EPS Excl Extra (TTM)$10.80

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)14.09x

Revenue Growth QoQ (YoY)37.42%

EPS Growth (5Y)13.99%

P/E Normalized (Annual)14.86x

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 Ratio2.08x

P/B Ratio (Quarterly)2.10x

Net Income / Employee (Annual)$107,900

ROA (TTM)1.29%

EPS Growth QoQ (YoY)12.91%

EV / EBITDA (TTM)14.84x

EPS Incl Extra (Annual)$10.12

3-Month Avg Trading Volume0.56M

52-Week Price Return28.43%

EV / Free Cash Flow (Annual)116.01x

P/E Incl Extra (TTM)14.09x

Tangible BV / Share (Quarterly)$52.82

P/S Ratio (Annual)3.74x

52-Week High$170.80

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 Return8.91%

13-Week Price Return-4.08%

Total Debt / Equity (Annual)1.04x

Enterprise Value$14.77B

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 Dev16.02%

Net Income / Employee (TTM)$113,800

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)14.53x

EV / Free Cash Flow (TTM)27.28x

Total Debt / Equity (Quarterly)1.11x

EPS Incl Extra (TTM)$10.80

ROI (TTM)7.34%

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/E13.48x

Free OCF CAGR (5Y)-21.56%

Price vs S&P 500 (52W)12.90%

P/E Ratio (TTM)14.09x

EPS Growth TTM (YoY)13.89%

Year-to-Date Return22.44%

5-Day Price Return2.16%

EPS Normalized (Annual)$10.12

ROA (5Y Avg)1.10%

Net Profit Margin (Annual)34.15%

Month-to-Date Return1.56%

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)13.39x

ROI (5Y Avg)6.87%

P/E Excl Extra (TTM)14.09x

LT Debt / Equity (Quarterly)0.05x

EPS Basic Excl Extra (TTM)$10.80

P/TBV (Quarterly)2.04x

Payout Ratio (Annual)40.40%

P/B Ratio (Annual)1.77x

Dividend / Share (TTM)$4.18

Pretax Margin (TTM)40.79%

Book Value / Share (Annual)$72.26

Price vs S&P 500 (13W)-6.77%

Net Margin Growth (5Y)2.21%

Dividend Yield (TTM)2.74%

Beta0.52x

P/FCF (Annual)75.68x

Revenue / Share (TTM)$30.90

ROE (TTM)15.04%

52-Week Low$119.00

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CFR Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 30, 2026	$2.57	$2.70	+5.20%(+$0.13)
Q1 2026	Apr 30, 2026	$2.49	$2.65	+6.34%(+$0.16)
Q4 2025	Jan 29, 2026	$2.45	$2.80	+14.20%(+$0.35)
Q3 2025	Oct 30, 2025	$2.38	$2.67	+11.97%(+$0.29)
Q2 2025	Jul 31, 2025	$2.31	$2.39	+3.46%(+$0.08)

CFR Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.32

3.47

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69
AMTBAmerant Bancorp Inc.	C	C	A	1.1x	6.1%	0.6%	—	$28.96

About Cullen/Frost Bankers Inc.

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.