Cullen/Frost Bankers, Inc.(CFR)Earnings, Financials & Key Ratios

CFR•NYSE•Banking & Credit

14.7× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryBanks with large fee businesses

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%

CFR Key Insights

Cullen/Frost Bankers, Inc. (CFR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Dividend Aristocrat: 31 years of consecutive increases
✓Efficient operations: 48.6% efficiency ratio
✓Good 3Y average ROE of 16.0%
✓Healthy dividend yield of 2.7%
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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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

Full history →

●Beat EPS 10/12 qtrs (83%)●Beat Revenue 7/12 qtrs (58%)

Q2 2026Latest

Apr 30, 2026

Metric

Actual

Est

EPS

$2.65+5.6%

$2.51

Rev

$597M+1.7%

$587M

Q1 2026

Jan 29, 2026

Metric

Actual

Est

EPS

$2.57+4.0%

$2.47

Rev

$603M+4.3%

$578M

Q4 2025

Oct 30, 2025

Metric

Actual

Est

EPS

$2.67+12.2%

$2.38

Rev

$567M+0.6%

$564M

Q3 2025

Jul 31, 2025

Metric

Actual

Est

EPS

$2.39+4.8%

$2.28

Rev

$547M-3.7%

$568M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 30, 2026	$2.65vs $2.51+5.6%	$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 →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
BOKFBOK Financial CorporationDirect Competitor	7.92B	130.33	14.20	-1.07%	17.38%	9.79%	0.78
WTFCWintrust Financial CorporationDirect Competitor	10.39B	154.11	13.33	6.66%	19.48%	11.71%	0.62
FHNFirst Horizon CorporationDirect Competitor	12.31B	24.81	13.20	0.97%	19.99%	10.71%	0.50
SNVSynovus Financial Corp.Direct Competitor	6.95B	50.05	16.52	1.16%	24.05%	14.45%	0.35
IBOCInternational Bancshares CorporationDirect Competitor	4.57B	73.56	11.11	1.03%	39.31%	13.16%	0.22
TCBITexas Capital Bancshares, Inc.Direct Competitor	4.38B	99.07	14.57	13.54%	18.34%	9.93%	0.26
HOMBHome Bancshares, Inc.Direct Competitor	5.47B	27.65	11.47	-5.35%	34.59%	11.43%	0.22
UMBFUMB Financial CorporationProduct Competitor	10.13B	133.06	14.57	68.52%	19.79%	11.67%	0.49

Compare CFR vs Peers

Cullen/Frost Bankers, Inc. (CFR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BOKF

Most directly comparable listed peer for CFR.

Scale Benchmark

vs V

Larger-name benchmark to compare CFR against a more recognizable public peer.

Peer Set

Compare Top 5

vs BOKF, WTFC, FHN, SNV

CFR Income Statement

Cullen/Frost Bankers, Inc. (CFR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	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

Metric	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

Metric	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	807.41M
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)

8-K Announcements

Material company update

Apr 30, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Feb 11, 2026·SEC

10-K Annual Reports

FY 2026

Feb 5, 2026·SEC

FY 2025

Feb 6, 2025·SEC

FY 2024

Feb 6, 2024·SEC

10-Q Quarterly Reports

FY 2026

Apr 30, 2026·SEC

FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 31, 2025·SEC

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 2.73%. 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.

What if you invested $1,000 in CFR back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →

How much would $100/month in CFR be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 30, 2026

$2.65vs $2.51+5.6%

$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%

Metric

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

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

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

Metric

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

Goodwill & Intangibles

660.02M

658.6M

657.43M

656.51M

655.82M

655.34M

Goodwill

654.95M

Intangible Assets

5.07M

3.65M

2.48M

1.56M

866K

386K

PP&E (Net)

520.96M

552.33M

1.01B

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

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

Total Debt

1.38B

1.6B

1.93B

2.35B

2.99B

4.93B

4.36B

4.59B

4.77B

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

Short-Term Debt

1.15B

1.37B

1.7B

2.12B

2.77B

4.71B

4.14B

4.36B

4.54B

Other Liabilities

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

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

643K

644K

Additional Paid-in Capital

953.36M

967.3M

983.25M

997.17M

1.01B

1.03B

1.06B

1.08B

1.1B

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

-23.93M

-22.56M

-139.61M

Preferred Stock

144.49M

145.45M

Metric

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

807.41M

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

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

-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

158.01M

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

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

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

616.27M

Income Taxes Paid

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%

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

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%

Cullen/Frost Bankers, Inc.(CFR)Earnings, Financials & Key Ratios

CFR Key Insights

✓Strengths

✗Weaknesses

CFR Price & Volume

CFR Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

CFR Recent Earnings

CFR Peer Comparison

Compare CFR vs Peers

vs BOKF

vs V

Compare Top 5

CFR Income Statement

CFR Balance Sheet

CFR Cash Flow Statement

CFR Banking Ratios

CFR SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

CFR Frequently Asked Questions

Cullen/Frost Bankers, Inc.(CFR)Earnings, Financials & Key Ratios

CFR Key Insights

✓Strengths

✗Weaknesses

CFR Price & Volume

CFR Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

CFR Recent Earnings

CFR Peer Comparison

Compare CFR vs Peers

vs BOKF

vs V

Compare Top 5

CFR Income Statement

CFR Balance Sheet

CFR Cash Flow Statement

CFR Banking Ratios

CFR SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

CFR Frequently Asked Questions