Cullen/Frost Bankers, Inc. (NYSE: CFR) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 15.10 | EPS (ttm) | 10.58 | Insider Own | 1.60% | Shs Outstand | 62.15M | Perf Week | -1.92% |
| Market Cap | 9.93B | Forward P/E | 13.53 | EPS next Y | 11.81 | Insider Trans | -0.08% | Shs Float | 61.28M | Perf Month | -2.98% |
| Enterprise Value | 14.66B | PEG | 2.39 | EPS next Q | 2.80 | Inst Own | - | Short Float | 6.33% | Perf Quarter | 9.71% |
| Income | 683.00M | P/S | 3.76 | EPS this Y | 3.89% | Inst Trans | - | Short Ratio | 6.49 | Perf Half Y | 22.00% |
| Sales | 2.64B | P/B | 2.15 | EPS next Y | 7.44% | ROA | 1.27% | Short Interest | 3.88M | Perf YTD | 26.19% |
| Book/sh | 74.39 | P/C | 14.23 | EPS next 5Y | 6.32% | ROE | 15.04% | 52W High | 170.80 -6.44% | Perf Year | 26.63% |
| Cash/sh | 11.23 | P/FCF | 15.68 | EPS past 3/5Y | 4.11% 14.28% | ROIC | 1.27% | 52W Low | 119.00 34.29% | Perf 3Y | 68.28% |
| Dividend Est. | 4.12 (2.58%) | EV/EBITDA | 16.25 | Sales past 3/5Y | 15.79% 14.47% | Gross Margin | 85.82% | Volatility | 1.86% 1.84% | Perf 5Y | 44.09% |
| Dividend TTM | 4.06 (2.54%) | EV/Sales | 5.54 | EPS Y/Y TTM | 19.28% | Oper. Margin | 30.75% | ATR (14) | 3.12 | Perf 10Y | 122.35% |
| Dividend Ex-Date | Aug 31, 2026 | Quick Ratio | 0.19 | Sales Y/Y TTM | -7.23% | Profit Margin | 25.86% | RSI (14) | 41.54 | Recom | 2.94 |
| Dividend Gr. 3/5Y | 6.83% 6.75% | Current Ratio | 0.19 | EPS Q/Q | 12.97% | SMA20 | -1.36% | Beta | 0.54 | Target Price | 167.29 |
| Payout | 38.65% | Debt/Eq | 1.04 | Sales Q/Q | -19.75% | SMA50 | -2.23% | Rel Volume | 2.42 | Prev Close | 159.64 |
| Employees | 6,008 | LT Debt/Eq | 0.05 | Earnings | Oct 29 | SMA200 | 10.13% | Avg Volume | 568.83K | Price | 159.80 |
| IPO Date | Mar 17, 1980 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 5.77% 1.46% | Net Debt/EBITDA | 5.24 | Volume | 1,376,547 | Change | 0.10% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Sep-08-26 | Upgrade | Morgan Stanley | Underweight → Overweight | $141 → $200 |
| Jul-31-26 | Reiterated | D.A. Davidson | Neutral | $152 → $164 |
| Jul-31-26 | Reiterated | Stephens & Co. | Overweight | $164 → $183 |
| Jul-07-26 | Reiterated | Barclays | Equal Weight | $150 → $160 |
| Jul-06-26 | Upgrade | Jefferies | Underperform → Hold | $105 → $160 |
| Jul-01-26 | Downgrade | Raymond James | Outperform → Market Perform | |
| Jun-29-26 | Reiterated | Morgan Stanley | Underweight | $136 → $141 |
| May-05-26 | Reiterated | Evercore ISI Group | In Line | $155 → $149 |
| May-01-26 | Reiterated | Stephens | Equal Weight | $150 → $164 |
| May-01-26 | Reiterated | Raymond James | Outperform | $150 → $155 |
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 management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 2,644 | 2,920 | 2,850 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 375 | 729 | 851 | — | — | — | — | — | — | |
| Gross Profit | 2,268 | 2,191 | 1,999 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 1,048 | 896 | 833 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 408 | 523 | 470 | — | — | — | — | — | — | |
| Operating Income | 813 | 772 | 696 | — | — | — | — | — | — | |
| Interest Expense | 621 | 685 | 786 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 621 | 685 | 786 | — | — | — | — | — | — | |
| Net Income Before Taxes | 813 | 772 | 696 | — | — | — | — | — | — | |
| Income Taxes | 129 | 123 | 113 | — | — | — | — | — | — | |
| Consolidated Net Income | 683 | 649 | 583 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 683 | 649 | 583 | — | — | — | — | — | — | |
| Net Income | 683 | 649 | 583 | — | — | — | — | — | — | |
| EPS (Recurring) | 10.61 | 10.02 | 8.88 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 10.61 | 10.02 | 8.88 | — | — | — | — | — | — | |
| EPS (Diluted) | 10.58 | 9.92 | 8.87 | — | — | — | — | — | — | |
| EBITDA | 902 | 859 | 779 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 15.10 | 12.77 | 15.14 | — | — | — | — | — | — | |
| Price To Sales Ratio | 3.81 | 2.78 | 3.01 | — | — | — | — | — | — | |
| Gross Margin | 85.78 | 75.03 | 70.14 | — | — | — | — | — | — | |
| Operating Margin | 30.75 | 26.44 | 24.42 | — | — | — | — | — | — | |
| Net Margin | 25.83 | 22.23 | 20.46 | — | — | — | — | — | — | |
| Shares Outstanding | 63 | 64 | 64 | — | — | — | — | — | — | |
| Market Capitalization | 10,067 | 8,104 | 8,592 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Severyn Carol Jean | GEVP and Chief Risk Officer | Jun 12 '26 | Sale | 148.29 | 837 | 124,120 | 12,712 | Jun 15 |
| Berman Bobby | GEVP Research & Strategy | Jan 30 '26 | Sale | 137.07 | 1,000 | 137,070 | 28,406 | Feb 02 |
| Pullin Ericka Lynn | GEVP, Culture & People Dev. | Dec 12 '25 | Sale | 129.72 | 0 | 43 | 2,024 | Dec 15 |
| Rhodes Coolidge E JR | Group EVP General Counsel/Sec | Dec 09 '25 | Sale | 127.00 | 700 | 88,900 | 3,795 | Dec 10 |
| Stead Jimmy | GEVP Chief Consumer Banking | Oct 25 '25 | Option Exercise | 0.00 | 2,621 | 0 | 17,639 | Oct 27 |
| Severyn Carol Jean | GEVP and Chief Risk Officer | Oct 25 '25 | Option Exercise | 0.00 | 2,045 | 0 | 13,146 | Oct 27 |
| Rhodes Coolidge E JR | Group EVP General Counsel/Sec | Oct 25 '25 | Option Exercise | 0.00 | 2,097 | 0 | 5,320 | Oct 27 |
| Pullin Ericka Lynn | GEVP, Culture & People Dev. | Oct 25 '25 | Option Exercise | 0.00 | 384 | 0 | 2,118 | Oct 27 |
| Kasanoff Howard L. | GEVP Chief Credit Officer | Oct 25 '25 | Option Exercise | 0.00 | 1,073 | 0 | 4,043 | Oct 27 |
| Henson Matthew Bradley | Chief Accounting Officer | Oct 25 '25 | Option Exercise | 0.00 | 419 | 0 | 419 | Oct 27 |
| GREEN PHILLIP D | Chairman and CEO | Oct 25 '25 | Option Exercise | 0.00 | 11,097 | 0 | 112,554 | Oct 27 |
| Geddes Dan | GEVP & Chief Financial Officer | Oct 25 '25 | Option Exercise | 0.00 | 1,049 | 0 | 3,413 | Oct 27 |
| Bracher Paul | President of CFR | Oct 25 '25 | Option Exercise | 0.00 | 2,796 | 0 | 108,064 | Oct 27 |
| Berman Bobby | GEVP Research & Strategy | Oct 25 '25 | Option Exercise | 0.00 | 1,573 | 0 | 29,856 | Oct 27 |
| Alonzo Annette M | GEVP Chief HR Officer | Oct 25 '25 | Option Exercise | 0.00 | 1,992 | 0 | 19,832 | Oct 27 |