Cullen/Frost Bankers, Inc. (CFR)

NYQ – Real Time Price. Currency in USD

167.12

+1.11 (0.67%)

Market open: Aug 12, 2026, 11:14 AM EDT

166.01

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 166.01$
Day's range: 165.29 - 166.96$
52-week range: 119 - 170.29$
Volume: 464 416
Average volume: 660 658
Beta: 0
EPS (TTM): 10.58
PE ratio (TTM): 15.7
Forward P/E: 15.14
Market cap: 10 317 319 396
Shares outstanding: 62 148 783
Dividend yield: $2.43 (2.43%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury managemen... read more

CEO: Phillip Green
Country: United States
IPO Date
Employees: 6008
Fiscal Year End: January - December
Website: https://www.frostbank.com

Revenue Breakdown

Banking / 90.87%

Frost Wealth Advisors / 9.72%

Non-Banks / -0.59%

News

No Data

There are no news for this stock.

Chart: CFR

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Overall Score

5.2 / 1052%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $5.4B

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.2) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Negative free cash flow -$5.6M limits the company's ability to reinvest or pay down debt

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.21	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.17	0.05	6.0
Debt to Assets	0.10	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	1.88B	2.64B	2.84B	2.91B	2.92B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	669M	712M	696M	772M	813M
Net Income	574M	592M	576M	642M	676M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	35.62	0.44	10
Net margin %	29.62	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	7.55	0.00	4.0
Weighted average score			5.2

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.25	1.46	3.0
ROE	15.12	14.94	8.0
ROIC	13.48	0.00	7.0
ROCE	N/A	0.00	1.0
Weighted average score			4.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	3.41	3.82	4.0
Next quarter	3.78	10.17	5.5
Current year	4.02	10.57	5.5
Next year	5.65	6.63	5.0
Weighted average score			5.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	1.14	0.71	1.89	-102.81	2.3
Y/Y	0.51	9.36	12.97	-104.74	4.3
3y average	16.93	3.97	4.2	11.83	6.0
5y average	16.02	15.3	15.1	15.58	9.0
Weighted average score					5.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	15.66	11.16	4.8
PEG (5yr expected)	3.72	98.42	3.0
P/S	4.56	3.37	3.6
P/B	2.30	1.53	3.8
Weighted average score			3.8

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR7.65%

FCF 5 year CAGR4

Fair value159.84$

Stock price167.13$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.12	3.12	8.0
Payout ratio	41.58	41.58	7.0
5-year dividend growth rate	6.75	6.75	8.0
Years of dividend increase	32.00	32.00	10
Weighted average score			8.3

Fair Value

$159.84

UndervaluedStock priceOvervalued

$167.13

Economic Moat

NAME	SCALE	SCORE
Market share	Medium	5.0
Intangible assets	Narrow	4.0
Switching costs	Narrow	3.0
Network effect	None	1.0
Economies of scale	Medium	5.0
Weighted average score		3.6

About the company

CEO

Phillip Green

Country

United States

IPO Date

Employees

6008

Fiscal Year End

January - December

Website

https://www.frostbank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.21

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.17

0.05

6.0

Debt to Assets

0.10

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

1.88B

2.64B

2.84B

2.91B

2.92B

Gross Profit

N/A

Operating Income

669M

712M

696M

772M

813M

Net Income

574M

592M

576M

642M

676M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

35.62

0.44

Net margin %

29.62

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

7.55

0.00

4.0

Weighted average score

5.2

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.25

1.46

3.0

ROE

15.12

14.94

8.0

ROIC

13.48

0.00

7.0

ROCE

N/A

0.00

1.0

Weighted average score

4.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

3.41

3.82

4.0

Next quarter

3.78

10.17

5.5

Current year

4.02

10.57

5.5

Next year

5.65

6.63

5.0

Weighted average score

5.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

1.14

0.71

1.89

-102.81

2.3

Y/Y

0.51

9.36

12.97

-104.74

4.3

3y average

16.93

3.97

4.2

11.83

6.0

5y average

16.02

15.3

15.1

15.58

9.0

Weighted average score

5.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

15.66

11.16

4.8

PEG (5yr expected)

3.72

98.42

3.0

P/S

4.56

3.37

3.6

P/B

2.30

1.53

3.8

Weighted average score

3.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.12

8.0

Payout ratio

41.58

7.0

5-year dividend growth rate

6.75

8.0

Years of dividend increase

32.00

Weighted average score

8.3

NAME

SCALE

SCORE

Market share

Medium

5.0

Intangible assets

Narrow

4.0

Switching costs

Narrow

3.0

Network effect

None

1.0

Economies of scale

Medium

5.0

Weighted average score

3.6

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Cullen/Frost Bankers, Inc. (CFR)

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Cullen/Frost Bankers, Inc. (CFR)

Stock details

About the company

Revenue Breakdown

News

Chart: CFR

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$159.84

$167.13

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CFR

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$159.84

$167.13

Economic Moat