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Cullen/Frost Bankers(NYSE) CFR

Current Price$161.67
Market Cap$10.18BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1983)+7,674%
5 Year+79%
1 Year+20%
1 Month+11%
Cullen/Frost Bankers last closing stock price
MetricPriceDate
Last closeUSD 162.072026-07-20
Cullen/Frost Bankers stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.64%USD 157.902026-07-13
1 month+11.27%USD 145.662026-06-18
3 month+14.38%USD 141.692026-04-21
Year to date+29.86%USD 124.802025-12-31
1 year+20.41%USD 134.602025-07-18
3 year+56.06%USD 103.852023-07-21
5 year+78.57%USD 90.762021-07-21
Since inception+7,674.13%USD 2.081983-07-19

Cullen/Frost Bankers Financials at a Glance

Market Cap

$10.18BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$2.79B

Net Income (TTM)

$668.62M

EPS (TTM)

$10.27

P/E Ratio

15.78

Dividend

$4.03

Beta (Volatility)

0.91 (Low)

Price

$161.67

Volume

300,603.642

Open

$162.04

Previous Close

$162.07

Daily Range

$160.68 - $162.51

52-Week Range

$119.00 - $163.81

Estimated Earnings Date

Jul 30, 2026

CFR News

Foolcom-Featured.png

Cullen/Frost Q2 EPS Rises 8%

Motley Fool Markets TeamAug 5, 2025
Teller handing a customer a check

Cullen/Frost Bankers Thinks Its Stock is Cheap

Brian FeroldiJul 29, 2019
BAnker handing money across a table

Cullen/Frost Bankers Boosts Its Dividend

Brian FeroldiApr 26, 2019
GettyImages-86800984

Cullen/Frost Bankers Ends 2018 With a Bang

Brian FeroldiFeb 1, 2019
GettyImages-840549514

Cullen/Frost Bankers Is Thriving

Brian FeroldiOct 27, 2018
bank stocks to buy

3 Top Bank Stocks to Buy Right Now

Jordan WathenSep 29, 2018
BAnker handing money across a table

Cullen/Frost Bankers' Profits Surge

Brian FeroldiAug 3, 2018
AG excited businesswoman with smartphone

5 Top Stocks to Buy in July

Anders BylundJul 2, 2018
Page 1

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About Cullen/Frost Bankers

Cullen/Frost helps Texans manage their money through personal and business banking services. This financial group makes it easy for local companies to get loans and for families to save for the future. The bank also manages wealth and insurance to protect what people build over time.

What Cullen/Frost Does

  • Banking: Provides business loans, checking accounts, and digital tools like Frost Connect for companies and individuals.
  • Frost Wealth Advisors: Manages investment accounts, trust services, and mutual funds for people and institutions; handles $51 billion in total trust assets as of December 31, 2025.
  • Insurance and Brokerage: Sells property, casualty, and life insurance through Frost Insurance Agency and offers stock trading via Frost Brokerage Services.
  • Capital Markets: Supports government and non-profit projects by underwriting new bonds and providing money market trading services.

Growth and Expansion

  • Expanded the banking footprint by operating 204 financial centers across Texas by the end of 2025.
  • Increased digital capabilities through the Frost Connect platform to help business clients manage payroll and cash flow online.
  • Signed branding and licensing agreements with various retailers to operate a network of 1,760 automated-teller machines (ATMs) throughout Texas.

How the Bank Stands Out

Cullen/Frost maintains a community-based focus by using regional advisory boards made of local professionals to guide banking decisions. This local approach is supported by centralized technology that offers the same services as large national financial institutions.

The Scorecard

  • Revenue reached $745.9 million in Q4 2025, up 3.1% from Q4 2024.
  • Net income rose to $166.3 million in Q4 2025, a 7.4% increase over the previous year.
  • Free cash flow hit $138.2 million in Q4 2025, up 418.5% from Q4 2024.
  • Operating income grew to $198 million in Q4 2025, up 7.6% year-over-year.

Bottom Line

Cullen/Frost has grown from a 19th-century mercantile partnership into one of the largest independent bank holding companies in Texas. Its evolution focuses on organic growth and local relationships while diversifying into wealth management and insurance services.

AI Generated • Apr 21, 2026

Industry

Banks

Sector

Financials

Employees

6,008

CEO

Phillip D. Green, CPA

Website

www.frostbank.com

Headquarters

San Antonio, TX 78205, US

CFR Financials

Key Financial Metrics (TTM)

Gross Margin

80.13%

Operating Margin

28.54%

Net Income Margin

24.00%

Return on Equity

15.05%

Return on Capital

8.26%

Return on Assets

1.27%

Earnings Yield

6.34%

Dividend Yield

2.49%

Payout Ratio

39.54%

Stock Overview

Market Cap

$10.18BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

62.80M

Volume

300.60K

Avg. Volume

579.00K

Financials (TTM)

Gross Profit

$2.23B

Operating Income

$795.01M

EBITDA

$883.12M

Operating Cash Flow

$807.41M

Capital Expenditure

-$40.17M

Free Cash Flow

$767.24M

Cash & ST Invst.

$638.79M

Total Debt

$4.64B

Cullen/Frost Bankers Performance Analysis

Cullen/Frost Bankers annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,876,437,00035.3%
20232023-12-31USD 2,637,357,00040.6%
20242024-12-31USD 2,843,237,0007.8%
20252025-12-31USD 2,911,937,0002.4%
Cullen/Frost Bankers sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-301.4%
Q32025-09-303.7%
Q42025-12-310.0%
Q12026-03-31-22.9%
Cullen/Frost Bankers annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 8.7930.4%
20232023-12-31USD 9.083.3%
20242024-12-31USD 8.86-2.4%
20252025-12-31USD 9.9111.8%
Cullen/Frost Bankers sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.9%
Q32025-09-3011.7%
Q42025-12-31-4.1%
Q12026-03-313.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$574.84M

-18.9%

Gross Profit

$568.09M

+7.8%

Gross Margin

98.83%

N/A

Market Cap

$10.18BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.69M

N/A

Employees

6,008

N/A

Net Income

$170.99M

+13.3%

EBITDA

$224.62M

+11.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$638.79M

-93.1%

Total Debt

$4.64B

-1.5%

Accounts Receivable

$191.99M

N/A

Inventory

$0.00

N/A

Long Term Debt

$517.40M

+132.1%

Short Term Debt

$4.13B

-8.1%

Return on Assets

1.27%

N/A

Return on Invested Capital

1.64%

N/A

Free Cash Flow

$198.72M

+159.0%

Operating Cash Flow

$237.32M

+180.1%

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Questions About CFR

What is the current price of Cullen/Frost Bankers?

Cullen/Frost Bankers is trading at $161.34 per share.

What is the 52-week range for Cullen/Frost Bankers?

Over the past 52 weeks, Cullen/Frost Bankers has traded between $119.00 and $163.81.

How much debt does Cullen/Frost Bankers have?

As of the most recent reporting period, Cullen/Frost Bankers reported total debt of $4.64B.

How much cash does Cullen/Frost Bankers have on hand?

Cullen/Frost Bankers does not have cash on hand data available.

What is Cullen/Frost Bankers’s dividend yield?

Cullen/Frost Bankers currently has a dividend yield of 2.49%.

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