Cullen/Frost's Q2 2026 earnings were artificially boosted by a $132.7M provision reversal, inflating net income to $172.1M and EPS to $2.70, up 13% YoY. Core operations show steady NII growth of 2.1% YoY to $438.5M, but the NIM remains flat at 0.8% for ten con...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue growth is modest with NII up 2.1% YoY to $438.5M, but the efficiency ratio deteriorated to 63.4% in Q2 2026 from 48.3% a year earlier, driven by a sharp drop in non-interest income to -$0.994M.
Cullen/Frost Bankers operates primarily in Texas, a growing economic region. The company emphasizes an organic growth model and a relationship-focused approach, expanding its branch network and investing in digital banking tools to serve its customer base.
In 2025, Cullen/Frost Bankers' revenue increased by 9.62% year-over-year to $2.19 billion, and earnings rose by 11.56% to $635.47 million. Its trailing twelve-month revenue was $2.2 billion, with a net income of $648.6 million, reflecting a 29.0% net profit margin.
As of late April 2026, 19 analysts provided forecasts, with an average price target of $150.60, implying a potential increase of 6.5%. Another analysis of 27 Wall Street analysts shows a neutral consensus with a median price target of $150.00 and an overall analyst rating of 'Buy' (6.1/10).
Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 30, 2026 | $2.70+5.9% vs $2.55 | $598M+1.5% vs $590M |
Q2 2026 Apr 30, 2026 | $2.65+6.9% vs $2.48 | $597M+1.7% vs $587M |
Q1 2026 Jan 29, 2026 | $2.57+4.0% vs $2.47 | $603M+4.3% vs $578M |
Q4 2025 Oct 30, 2025 | $2.67+12.2% vs $2.38 | $567M+0.6% vs $564M |
Bank of America Corp DE reduced its stake in Cullen/Frost Bankers, Inc. (NYSE: CFR) by 20.5% during the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 962,310 shares of the bank's stock after selling 248,412 shares during the quarter. Bank of
Investors looking for stocks in the Banks - Southwest sector might want to consider either Prosperity Bancshares (PB) or Cullen/Frost Bankers (CFR). But which of these two stocks is more attractive to value investors?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Cullen/Frost (CFR) have what it takes?
Canada Pension Plan Investment Board purchased a new stake in Cullen/Frost Bankers, Inc. (NYSE: CFR) in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor purchased 8,800 shares of the bank's stock, valued at approximately $1,360,000. Several other large investors
Benchmark CFR against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Cullen/Frost Bankers, Inc. (CFR)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $154.26 | $9.69B | 15.55 | 8.31% | 22.21% | 15.31% | 2.58% | |
| $130.58 | $7.93B | 14.22 | 9.59% | 18.3% | 10.31% | — | |
| $143.71 | $9.69B | 12.43 | 11.23% | 20.11% | 11.93% | — | |
| $23.02 | $10.93B | 12.24 | 10.5% | 22.31% | 11.07% | — | |
| $50.05 | $6.95B | 16.52 | -7.95% | 24.05% | 14.45% | — | |
| $69.11 | $4.3B | 10.44 | 0.74% | 38.81% | 12.67% | — |
Cullen/Frost Bankers, Inc. (CFR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Cullen/Frost Bankers, Inc. (CFR) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 17, 2026·SEC
Jul 30, 2026·SEC
Apr 30, 2026·SEC
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Cullen/Frost Bankers, Inc. (CFR) stock FAQ — growth, dividends, profitability & financials explained
Cullen/Frost Bankers, Inc. (CFR) grew revenue by 8.3% over the past year. This is steady growth.
Yes, Cullen/Frost Bankers, Inc. (CFR) is profitable, generating $683.7M in net income for fiscal year 2025 (22.2% net margin).
Yes, Cullen/Frost Bankers, Inc. (CFR) pays a dividend with a yield of 2.58%. 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.
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.
