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Cullen/Frost Bankers, Inc.(CFR)Earnings, Financials & Key Ratios
CFR•NYSE•Banking & Credit
$140.49
$8.85B mkt cap·14.2× P/E·Price updated May 6, 2026
AboutCullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate 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, and foreign exchange services. Further, it acts as a correspondent for approximately 171 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; and holds securities for investment purposes, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 157 financial centers and 1,650 ATMs. The company 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.Show more
- Net Interest Income$1.74B+8.2%
- Total Revenue$2.92B+2.5%
- Net Income$649M+11.3%
- Return on Equity15.31%
- Net Interest Margin3.27%+7.1%
- Efficiency Ratio48.61%+6.3%
- ROA1.23%+9.0%
- Equity / Assets8.62%+16.1%
- Book Value per Share71.34+17.6%
- Tangible BV/Share71.34+17.6%
- Debt/Equity1.04-11.4%
CFR Key Insights
Cullen/Frost Bankers, Inc. (CFR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Dividend Aristocrat: 33 years of consecutive increases
- ✓Efficient operations: 48.6% efficiency ratio
- ✓Good 3Y average ROE of 16.0%
- ✓Healthy dividend yield of 2.8%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CFR Price & Volume
Cullen/Frost Bankers, Inc. (CFR) stock price & volume — 10-year historical chart
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CFR Growth Metrics
Cullen/Frost Bankers, Inc. (CFR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.48%
5 Years14.46%
3 Years15.8%
TTM-
Profit CAGR
10 Years8.79%
5 Years14.39%
3 Years3.85%
TTM11.85%
EPS CAGR
10 Years8.77%
5 Years14.28%
3 Years4.11%
TTM13.17%
Return on Capital
10 Years13.05%
5 Years14.49%
3 Years15.05%
Last Year14.02%
CFR Recent Earnings
Cullen/Frost Bankers, Inc. (CFR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 30, 2026EPS
$2.65
Est $2.49
+6.4%
Revenue
$597M
Est $587M
+1.7%
Q1 2026
Jan 29, 2026EPS
$2.57
Est $2.47
+4.0%
Revenue
$603M
Est $578M
+4.3%
Q4 2025
Oct 30, 2025EPS
$2.67
Est $2.38
+12.2%
Revenue
$567M
Est $564M
+0.6%
Q3 2025
Jul 31, 2025EPS
$2.39
Est $2.28
+4.8%
Revenue
$547M
Est $568M
-3.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $2.65vs $2.49+6.4% | $597Mvs $587M+1.7% |
| Q1 2026 | Jan 29, 2026 | $2.57vs $2.47+4.0% | $603Mvs $578M+4.3% |
| Q4 2025 | Oct 30, 2025 | $2.67vs $2.38+12.2% | $567Mvs $564M+0.6% |
| Q3 2025 | Jul 31, 2025 | $2.39vs $2.28+4.8% | $547Mvs $568M-3.7% |
Based on last 12 quarters of dataView full earnings history →
CFR Peer Comparison
Cullen/Frost Bankers, Inc. (CFR) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 BOKF | 10.38B | 134.76 | 16.56 | 10.4% | 15.57% | 8.91% | 13.78% | 0.80 |
 WTFC | 10.08B | 150.46 | 13.02 | 6.66% | 19.48% | 11.35% | 9.03% | 0.62 |
 FHN | 12.02B | 24.78 | 13.18 | 0.97% | 19.72% | 10.74% | 5.23% | 0.50 |
 SNV | 6.95B | 50.05 | 16.52 | 1.16% | 14.09% | 13.7% | 11.01% | 0.35 |
 IBOC | 4.46B | 71.76 | 10.84 | 1.03% | 39.13% | 13.41% | 11.09% | 0.22 |
 TCBI | 4.45B | 100.68 | 14.81 | 13.54% | 16.52% | 9.93% | 7.81% | 0.26 |
 HOMB | 5.26B | 26.70 | 13.28 | 9.47% | 27.7% | 10.86% | 8.03% | 0.30 |
 UMBF | 9.98B | 131.06 | 14.35 | 68.52% | 15.81% | 11.67% | 9.8% | 0.49 |
Compare CFR vs Peers
Cullen/Frost Bankers, Inc. (CFR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CFR Income Statement
Cullen/Frost Bankers, Inc. (CFR) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 866.42M | 957.89M | 1B | 976M | 984.87M | 1.29B | 1.56B | 1.6B | 1.74B | 1.32B |
| NII Growth % | 11.6% | 10.56% | 4.81% | -2.79% | 0.91% | 31.11% | 20.71% | 2.95% | 8.2% | -73.98% |
| Net Interest Margin % | 2.73% | 2.97% | 2.95% | 2.3% | 1.94% | 2.44% | 3.07% | 3.06% | 3.27% | 2.5% |
| Interest Income | 892.95M | 1.05B | 1.13B | 1.02B | 1.01B | 1.48B | 2.22B | 2.39B | 2.42B | 1.84B |
| Interest Expense | 26.52M | 93.31M | 129.78M | 45.03M | 23.9M | 184.44M | 659.05M | 786.02M | 684.6M | 655.15M |
| Loan Loss Provision | 35.46M | 21.68M | 33.76M | 241.23M | 63K | 3M | 46.17M | 64.98M | 44.2M | -108.31M |
| Non-Interest Income | 336.47M | 351.29M | 363.9M | 465.45M | 386.73M | 404.82M | 428.54M | 459.1M | 499.1M | 953.05M |
| Non-Interest Income % | 27.37% | 25.05% | 24.3% | 31.31% | 27.71% | 21.53% | 16.19% | 16.11% | 17.09% | 34.18% |
| Total Revenue | 1.23B▲ 0% | 1.4B▲ 14.1% | 1.5B▲ 6.8% | 1.49B▼ 0.7% | 1.4B▼ 6.1% | 1.88B▲ 34.8% | 2.65B▲ 40.7% | 2.85B▲ 7.7% | 2.92B▲ 2.5% | 2.79B▲ 0% |
| Revenue Growth % | 8.02% | 14.08% | 6.79% | -0.75% | -6.12% | 34.76% | 40.72% | 7.69% | 2.46% | -10.46% |
| Non-Interest Expense | 759.07M | 778.81M | 834.68M | 848.9M | 881.99M | 1.02B | 1.23B | 1.3B | 1.42B | 1.07B |
| Efficiency Ratio | 61.74% | 55.53% | 55.73% | 57.11% | 63.2% | 54.47% | 46.43% | 45.72% | 48.61% | 38.42% |
| Operating Income | 408.36M▲ 0% | 508.68M▲ 24.6% | 499.47M▼ 1.8% | 351.32M▼ 29.7% | 489.54M▲ 39.3% | 668.83M▲ 36.6% | 712.37M▲ 6.5% | 695.97M▼ 2.3% | 771.7M▲ 10.9% | 795.01M▲ 0% |
| Operating Margin % | 33.22% | 36.27% | 33.35% | 23.63% | 35.08% | 35.57% | 26.92% | 24.42% | 26.43% | 28.51% |
| Operating Income Growth % | 19.61% | 24.57% | -1.81% | -29.66% | 39.34% | 36.62% | 6.51% | -2.3% | 10.88% | - |
| Pretax Income | 408.36M▲ 0% | 508.68M▲ 24.6% | 499.47M▼ 1.8% | 351.32M▼ 29.7% | 489.54M▲ 39.3% | 668.83M▲ 36.6% | 712.37M▲ 6.5% | 695.97M▼ 2.3% | 771.7M▲ 10.9% | 795.01M▲ 0% |
| Pretax Margin % | 33.22% | 36.27% | 33.35% | 23.63% | 35.08% | 35.57% | 26.92% | 24.42% | 26.43% | 28.51% |
| Income Tax | 44.21M | 53.76M | 55.87M | 20.17M | 46.46M | 89.68M | 114.4M | 113.42M | 123.14M | 126.39M |
| Effective Tax Rate % | 10.83% | 10.57% | 11.19% | 5.74% | 9.49% | 13.41% | 16.06% | 16.3% | 15.96% | 15.9% |
| Net Income | 364.15M▲ 0% | 454.92M▲ 24.9% | 443.6M▼ 2.5% | 331.15M▼ 25.3% | 443.08M▲ 33.8% | 579.15M▲ 30.7% | 597.97M▲ 3.3% | 582.54M▼ 2.6% | 648.56M▲ 11.3% | 668.62M▲ 0% |
| Net Margin % | 29.62% | 32.44% | 29.62% | 22.28% | 31.75% | 30.8% | 22.6% | 20.44% | 22.21% | 23.98% |
| Net Income Growth % | 19.68% | 24.93% | -2.49% | -25.35% | 33.8% | 30.71% | 3.25% | -2.58% | 11.33% | 11.85% |
| Net Income (Continuing) | 364.15M | 454.92M | 443.6M | 331.15M | 443.08M | 579.15M | 597.97M | 582.54M | 648.56M | 668.62M |
| EPS (Diluted) | 5.51▲ 0% | 6.90▲ 25.2% | 6.81▼ 1.3% | 5.09▼ 25.3% | 6.74▲ 32.4% | 8.79▲ 30.4% | 9.08▲ 3.3% | 8.87▼ 2.3% | 9.92▲ 11.8% | 10.51▲ 0% |
| EPS Growth % | 17.23% | 25.23% | -1.3% | -25.26% | 32.42% | 30.42% | 3.3% | -2.31% | 11.84% | 13.17% |
| EPS (Basic) | 5.56 | 6.97 | 6.88 | 5.11 | 6.79 | 8.84 | 9.11 | 8.88 | 10.02 | - |
| Diluted Shares Outstanding | 64.66M | 64.69M | 63.44M | 63M | 64.1M | 64.52M | 64.41M | 64.28M | 64.1M | 63.6M |
CFR Balance Sheet
Cullen/Frost Bankers, Inc. (CFR) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 15.38B | 14.71B | 14.7B | 20.73B | 30.47B | 30.06B | 25.18B | 25.26B | 9.98B | 63.64B |
| Cash & Due from Banks | 4.89B | 3.32B | 3.43B | 10.29B | 16.54B | 11.82B | 8.6B | 10.22B | 8.86B | 638.78M |
| Short Term Investments | 10.49B | 11.39B | 11.27B | 10.44B | 13.92B | 18.24B | 16.58B | 15.04B | 1.12B | 16.79B |
| Total Investments | 24.91B | 26.46B | 27.92B | 29.6B | 31.76B | 37.81B | 38.78B | 39.06B | 41.05B | 16.79B |
| Investments Growth % | 2.62% | 6.22% | 5.51% | 6.03% | 7.3% | 19.04% | 2.55% | 0.74% | 5.09% | -77.3% |
| Long-Term Investments | 14.42B | 15.07B | 16.65B | 19.16B | 17.84B | 19.57B | 22.2B | 24.02B | 39.93B | 86.41B |
| Accounts Receivables | 400.87M | 457.72M | 440.65M | 584.56M | 612.5M | 1.08B | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 660.02M | 658.6M | 657.43M | 656.51M | 655.82M | 655.34M | 0 | 0 | 0 | 0 |
| Goodwill | 654.95M | 654.95M | 654.95M | 654.95M | 654.95M | 654.95M | 0 | 0 | 0 | 0 |
| Intangible Assets | 5.07M | 3.65M | 2.48M | 1.56M | 866K | 386K | 0 | 0 | 0 | 0 |
| PP&E (Net) | 520.96M | 552.33M | 1.01B | 1.05B | 1.05B | 1.1B | 1.19B | 1.25B | 1.31B | 1.33B |
| Other Assets | 361.54M | 842.58M | 567.83M | 215.22M | 257.28M | 425.91M | 2.28B | 1.99B | 1.81B | 0 |
| Total Current Assets | 15.78B | 15.17B | 15.14B | 21.31B | 31.08B | 31.14B | 25.18B | 25.26B | 9.98B | 17.43B |
| Total Non-Current Assets | 15.96B | 17.13B | 18.89B | 21.08B | 19.8B | 21.75B | 25.66B | 27.26B | 43.06B | 1.33B |
| Total Assets | 31.75B▲ 0% | 32.29B▲ 1.7% | 34.03B▲ 5.4% | 42.39B▲ 24.6% | 50.88B▲ 20.0% | 52.89B▲ 4.0% | 50.85B▼ 3.9% | 52.52B▲ 3.3% | 53.04B▲ 1.0% | 52.72B▲ 0% |
| Asset Growth % | 5.14% | 1.72% | 5.37% | 24.58% | 20.02% | 3.96% | -3.87% | 3.29% | 0.99% | 10.62% |
| Return on Assets (ROA) | 1.18% | 1.42% | 1.34% | 0.87% | 0.95% | 1.12% | 1.15% | 1.13% | 1.23% | 1.28% |
| Accounts Payable | 195.07M | 172.35M | 545.69M | 730.16M | 754.33M | 866.26M | 0 | 0 | 0 | 0 |
| Total Debt | 1.38B | 1.6B | 1.93B | 2.35B | 2.99B | 4.93B | 4.36B | 4.59B | 4.77B | 0 |
| Net Debt | -3.51B | -1.72B | -1.5B | -7.94B | -13.55B | -6.89B | -4.24B | -5.63B | -4.1B | -638.78M |
| Long-Term Debt | 234.74M | 234.95M | 235.16M | 235.38M | 222.19M | 222.4M | 222.62M | 222.83M | 223.05M | 0 |
| Short-Term Debt | 1.15B | 1.37B | 1.7B | 2.12B | 2.77B | 4.71B | 4.14B | 4.36B | 4.54B | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 844.02M | 1.31B | 782.85M | 48.19B |
| Total Current Liabilities | 28.22B | 28.69B | 29.88B | 37.86B | 46.22B | 49.53B | 46.06B | 47.09B | 47.46B | 0 |
| Total Non-Current Liabilities | 234.74M | 234.95M | 235.16M | 235.38M | 222.19M | 222.4M | 1.07B | 1.53B | 1.01B | 48.19B |
| Total Liabilities | 28.45B | 28.92B | 30.12B | 38.1B | 46.44B | 49.76B | 47.13B | 48.62B | 48.47B | 48.19B |
| Total Equity | 3.3B▲ 0% | 3.37B▲ 2.2% | 3.91B▲ 16.1% | 4.29B▲ 9.7% | 4.44B▲ 3.4% | 3.14B▼ 29.3% | 3.72B▲ 18.5% | 3.9B▲ 4.9% | 4.57B▲ 17.3% | 4.53B▲ 0% |
| Equity Growth % | 9.84% | 2.15% | 16.11% | 9.75% | 3.41% | -29.33% | 18.46% | 4.9% | 17.3% | 49.88% |
| Equity / Assets (Capital Ratio) | 10.39% | 10.43% | 11.5% | 10.13% | 8.73% | 5.93% | 7.31% | 7.42% | 8.62% | 8.59% |
| Return on Equity (ROE) | 11.56% | 13.65% | 12.19% | 8.07% | 10.15% | 15.29% | 17.45% | 15.3% | 15.31% | 15.05% |
| Book Value per Share | 51.00 | 52.08 | 61.66 | 68.14 | 69.26 | 48.62 | 57.70 | 60.65 | 71.34 | 71.23 |
| Tangible BV per Share | 40.79 | 41.90 | 51.29 | 57.72 | 59.03 | 38.47 | 57.70 | 60.65 | 71.34 | 71.23 |
| Common Stock | 642K | 642K | 642K | 642K | 642K | 643K | 644K | 644K | 644K | 644K |
| Additional Paid-in Capital | 953.36M | 967.3M | 983.25M | 997.17M | 1.01B | 1.03B | 1.06B | 1.08B | 1.1B | 0 |
| Retained Earnings | 2.19B | 2.44B | 2.67B | 2.75B | 2.96B | 3.31B | 3.66B | 3.95B | 4.31B | 4.41B |
| Accumulated OCI | 79.51M | -63.6M | 267.37M | 512.97M | 347.32M | -1.35B | -1.12B | -1.25B | -842.95M | -923.51M |
| Treasury Stock | -67.21M | -119.92M | -151.61M | -113.94M | -20.74M | 0 | -23.93M | -22.56M | -139.61M | 0 |
| Preferred Stock | 144.49M | 144.49M | 144.49M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M |
CFR Cash Flow Statement
Cullen/Frost Bankers, Inc. (CFR) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 538.08M | 562.39M | 634.09M | 524.24M | 648.29M | 722.58M | 478.85M | 989.53M | 273.98M | 273.98M |
| Operating CF Growth % | 22.89% | 4.52% | 12.75% | -17.32% | 23.66% | 11.46% | -33.73% | 106.65% | -72.31% | 350.77% |
| Net Income | 364.15M | 454.92M | 443.6M | 331.15M | 443.08M | 579.15M | 597.97M | 582.54M | 648.56M | 668.62M |
| Depreciation & Amortization | 47.81M | 50.17M | 54.09M | 64.37M | 69.29M | 71.34M | 76.44M | 82.82M | 127.39M | 110.84M |
| Deferred Taxes | -14.49M | 52.92M | 7.61M | -15.83M | 7.78M | -4.92M | -14.83M | -11.6M | 5.37M | 4.43M |
| Other Non-Cash Items | 115.45M | 103.24M | 126.88M | 237.98M | 100.18M | 90.09M | 90.97M | 86.25M | 13.72M | -450.19M |
| Working Capital Changes | 12.15M | -112.81M | -14.04M | -107.34M | 15.21M | -31.41M | -296.31M | 229.76M | -545.81M | 447.85M |
| Cash from Investing | -670.6M | -1.91B | -1.39B | -1.63B | -2.53B | -8.28B | -942.75M | -180.88M | -1.6B | -1.11B |
| Purchase of Investments | -13.53B | -18.19B | -23.96B | -20.84B | -24.22B | -23.6B | -20.27B | -17.9B | -21.5B | -6.11B |
| Sale/Maturity of Investments | 14.07B | 17.33B | 23.44B | 22.12B | 20.6B | 16.24B | 21.17B | 19.81B | 21.17B | 7.15B |
| Net Investment Activity | 545.49M | -863.96M | -519.18M | 1.28B | -3.62B | -7.36B | 898.12M | 1.91B | -329.41M | 1.04B |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -1.18B | -970.09M | -660.85M | -2.81B | 1.16B | -816.96M | -1.68B | -1.96B | -1.13B | -2.11B |
| Cash from Financing | 1.04B | 253.66M | 585.06M | 7.61B | 8.17B | 3B | -2.88B | 738.33M | -33.09M | -404.23M |
| Dividends Paid | -152.24M | -173.51M | -185.07M | -182.6M | -195.94M | -216.46M | -239M | -249.12M | -262.03M | -200.37M |
| Share Repurchases | -101.47M | -101.01M | -68.79M | -165.78M | -3.86M | -4.39M | -42.72M | -60.9M | -157.83M | -155.23M |
| Stock Issued | 0 | 0 | 0 | 158.01M | 0 | 0 | 0 | 0 | 11.95M | 5.99M |
| Net Stock Activity | -101.47M | -101.01M | -68.79M | -7.78M | -3.86M | -4.39M | -42.72M | -60.9M | -145.89M | -149.24M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K |
| Other Financing | 1.13B | 308.46M | 511.13M | 7.38B | 7.73B | 1.28B | -2.02B | 824.82M | 195.12M | -106.13M |
| Net Change in Cash | 911.6M▲ 0% | -1.1B▼ 220.4% | -167.6M▲ 84.7% | 6.5B▲ 3978.7% | 6.29B▼ 3.2% | -4.55B▼ 172.4% | -3.34B▲ 26.7% | 1.55B▲ 146.3% | -1.36B▼ 187.9% | -709M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 4.14B | 5.05B | 3.96B | 3.79B | 10.29B | 16.58B | 12.03B | 8.69B | 10.23B | 8.87B |
| Cash at End | 5.05B | 3.96B | 3.79B | 10.29B | 16.58B | 12.03B | 8.69B | 10.23B | 8.87B | 7.14B |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 616.27M | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 503.99M▲ 0% | 483.12M▼ 4.1% | 427.37M▼ 11.5% | 428.82M▲ 0.3% | 582.44M▲ 35.8% | 620.08M▲ 6.5% | 320.21M▼ 48.4% | 861.76M▲ 169.1% | 127.33M▼ 85.2% | 805.85M▲ 0% |
| FCF Growth % | 31.18% | -4.14% | -11.54% | 0.34% | 35.82% | 6.46% | -48.36% | 169.12% | -85.22% | 982.52% |
CFR Banking Ratios
Cullen/Frost Bankers, Inc. (CFR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.56% | 13.65% | 12.19% | 8.07% | 10.15% | 15.29% | 17.45% | 15.3% | 15.31% | 15.05% |
| Return on Assets (ROA) | 1.18% | 1.42% | 1.34% | 0.87% | 0.95% | 1.12% | 1.15% | 1.13% | 1.23% | 1.28% |
| Net Interest Margin | 2.73% | 2.97% | 2.95% | 2.3% | 1.94% | 2.44% | 3.07% | 3.06% | 3.27% | 2.5% |
| Efficiency Ratio | 61.74% | 55.53% | 55.73% | 57.11% | 63.2% | 54.47% | 46.43% | 45.72% | 48.61% | 38.42% |
| Equity / Assets | 10.39% | 10.43% | 11.5% | 10.13% | 8.73% | 5.93% | 7.31% | 7.42% | 8.62% | 8.59% |
| Book Value / Share | 51 | 52.08 | 61.66 | 68.14 | 69.26 | 48.62 | 57.7 | 60.65 | 71.34 | 71.23 |
| NII Growth | 11.6% | 10.56% | 4.81% | -2.79% | 0.91% | 31.11% | 20.71% | 2.95% | 8.2% | -19.06% |
| Dividend Payout | 39.59% | 36.37% | 39.9% | 54.53% | 42.61% | 36.22% | 38.85% | 41.62% | 39.37% | 28.97% |
CFR SEC Filings & Documents
Cullen/Frost Bankers, Inc. (CFR) SEC filings — annual & quarterly reports (10-K, 10-Q)
CFR Frequently Asked Questions
Cullen/Frost Bankers, Inc. (CFR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Cullen/Frost Bankers, Inc. (CFR) grew revenue by 2.5% over the past year. Growth has been modest.
Yes, Cullen/Frost Bankers, Inc. (CFR) is profitable, generating $668.6M in net income for fiscal year 2025 (22.2% net margin).
Dividend & Returns
Yes, Cullen/Frost Bankers, Inc. (CFR) pays a dividend with a yield of 2.84%. This makes it attractive for income-focused investors.
Cullen/Frost Bankers, Inc. (CFR) has a return on equity (ROE) of 15.3%. This is reasonable for most industries.
Industry Metrics
Cullen/Frost Bankers, Inc. (CFR) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
Cullen/Frost Bankers, Inc. (CFR) has an efficiency ratio of 48.6%. This is excellent, indicating strong cost control.
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