CFR
Cullen/Frost Bankers, Inc.
Price Chart
Latest Quote
$145.66
+0.11 (+0.08%)
Current Price
| Previous Close | $145.55 |
| Open | $147.18 |
| Day High | $147.28 |
| Day Low | $145.26 |
| Volume | 630,035 |
Stock Information
| Shares Outstanding | 62.80M |
| Total Debt | $4.84B |
| Cash Equivalents | $7.38B |
| Revenue | $2.23B |
| Net Income | $654.87M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $9.15B |
| P/E Ratio | 14.18 |
| EPS (TTM) | $10.27 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $6.79B |
| Sales | $2.23B |
| Income | $654.87M |
| Book/sh | $69.83 |
| Cash/sh | $117.56 |
| Employees | 6K |
Financial Ratios
| EPS Growth TTM | 13.30% |
Returns & Margins
| ROA | 1.28% |
| ROE | 15.47% |
| Operating Margin | 36.90% |
| Profit Margin | 29.96% |
Ownership
| Insider Ownership | 6.08% |
| Institutional Ownership | 92.81% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 13.23 |
| PEG | 4.07 |
| P/S | 4.10 |
| P/B | 2.09 |
Analyst Data
| Recommendation | hold |
| Target Price | $150.47 |
Technical Indicators
| SMA20 | $140.43 |
| SMA50 | $139.96 |
| SMA200 | $131.90 |
| RSI | 69.85 |
| ATR | 3.3500 |
| Shares Float | 61.92M |
| Short Float | 0.02% |
| Short Ratio | 0.02 |
| Volatility | 0.55 |
| Rel Volume | 1.99 |
Performance History
| Week | -0.31% |
| Month | +6.18% |
| Quarter | +12.05% |
| 6 Months | +14.88% |
| YTD | +15.31% |
| Year | +22.32% |
| 3 Years | +44.44% |
| 5 Years | +45.28% |
| 10 Years | +204.02% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $145.66 | 1,216,800 |
| 2026-06-17 | $145.55 | 817,600 |
| 2026-06-16 | $146.30 | 500,100 |
| 2026-06-15 | $145.04 | 1,334,000 |
| 2026-06-12 | $148.00 | 668,200 |
| 2026-06-11 | $146.11 | 560,100 |
| 2026-06-10 | $144.50 | 962,100 |
| 2026-06-09 | $143.69 | 637,900 |
| 2026-06-08 | $140.85 | 506,600 |
| 2026-06-05 | $140.16 | 589,600 |
| 2026-06-04 | $137.87 | 443,200 |
| 2026-06-03 | $134.28 | 541,300 |
| 2026-06-02 | $135.54 | 391,200 |
| 2026-06-01 | $132.79 | 417,000 |
| 2026-05-29 | $135.52 | 561,800 |
| 2026-05-28 | $135.23 | 465,900 |
| 2026-05-27 | $136.65 | 393,100 |
| 2026-05-26 | $138.49 | 386,300 |
| 2026-05-22 | $138.33 | 311,400 |
| 2026-05-21 | $137.96 | 514,200 |
| 2026-05-20 | $138.69 | 447,700 |
| 2026-05-19 | $137.19 | 639,700 |
About Cullen/Frost Bankers, Inc.
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.
đ° Latest News
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $2,235,244,000 | $2,063,710,000 | $1,987,206,000 | $1,696,101,000 |
| Operating Revenue | $2,235,244,000 | $2,063,710,000 | $1,987,206,000 | $1,696,101,000 |
| Expenses | ||||
| Interest Expense | $684,598,000 | $786,025,000 | $659,052,000 | $184,438,000 |
| Selling And Marketing Expense | $56,865,000 | $51,403,000 | $48,608,000 | $39,994,000 |
| General And Administrative Expense | $839,500,000 | $781,109,000 | $739,613,000 | $596,307,000 |
| Professional Expense And Contract Services Expense | $58,741,000 | $56,385,000 | $53,932,000 | $40,908,000 |
| Other Non Interest Expense | $161,550,000 | $136,623,000 | $126,827,000 | $113,799,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $648,557,000 | $582,542,000 | $597,973,000 | $579,150,000 |
| Net Interest Income | $1,736,149,000 | $1,604,612,000 | $1,558,664,000 | $1,291,283,000 |
| Interest Income | $2,420,747,000 | $2,390,637,000 | $2,217,716,000 | $1,475,721,000 |
| Normalized Income | $648,557,000 | $582,542,000 | $597,973,000 | $579,150,000 |
| Net Income From Continuing And Discontinued Operation | $648,557,000 | $582,542,000 | $597,973,000 | $579,150,000 |
| Net Income Common Stockholders | $635,473,000 | $569,631,000 | $585,015,000 | $567,265,000 |
| Net Income | $648,557,000 | $582,542,000 | $597,973,000 | $579,150,000 |
| Net Income Including Noncontrolling Interests | $648,557,000 | $582,542,000 | $597,973,000 | $579,150,000 |
| Net Income Continuous Operations | $648,557,000 | $582,542,000 | $597,973,000 | $579,150,000 |
| Pretax Income | $771,702,000 | $695,967,000 | $712,373,000 | $668,827,000 |
| Depreciation Amortization Depletion Income Statement | - | - | - | $480,000 |
| Depreciation And Amortization In Income Statement | - | - | - | $480,000 |
| Amortization Of Intangibles Income Statement | - | - | - | $480,000 |
| Per Share | ||||
| Diluted EPS | $9.92 | $8.87 | $9.10 | $8.81 |
| Basic EPS | $9.92 | $8.88 | $9.11 | $8.84 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $87,785,000 | $82,817,000 | $76,442,000 | $71,344,000 |
| Diluted Average Shares | $64,099,000 | $64,263,000 | $64,405,000 | $64,521,000 |
| Basic Average Shares | $64,054,000 | $64,121,000 | $64,204,000 | $64,157,000 |
| Diluted NI Availto Com Stockholders | $635,473,000 | $569,631,000 | $585,015,000 | $567,265,000 |
| Otherunder Preferred Stock Dividend | $6,409,000 | $6,236,000 | $6,283,000 | $5,210,000 |
| Preferred Stock Dividends | $6,675,000 | $6,675,000 | $6,675,000 | $6,675,000 |
| Tax Provision | $123,145,000 | $113,425,000 | $114,400,000 | $89,677,000 |
| Gain On Sale Of Security | $-850,000 | $-96,000 | $66,000 | $0 |
| Selling General And Administration | $896,365,000 | $832,512,000 | $788,221,000 | $636,301,000 |
| Insurance And Claims | $18,752,000 | $37,269,000 | $76,589,000 | $15,603,000 |
| Salaries And Wages | $820,748,000 | $743,840,000 | $663,024,000 | $580,704,000 |
| Occupancy And Equipment | $302,684,000 | $277,238,000 | $259,682,000 | $233,266,000 |
| Amortization | - | - | - | $480,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $4,573,036,000 | $3,898,588,000 | $3,716,447,000 | $3,137,228,000 |
| Total Assets | $53,041,424,000 | $52,520,259,000 | $50,845,038,000 | $52,892,376,000 |
| Cash And Cash Equivalents | $8,864,405,000 | $10,218,683,000 | $8,602,626,000 | $11,820,455,000 |
| Cash Financial | $681,325,000 | $722,906,000 | $617,569,000 | $691,553,000 |
| Cash Cash Equivalents And Federal Funds Sold | $8,874,055,000 | $10,234,258,000 | $8,687,276,000 | $12,028,132,000 |
| Goodwill And Other Intangible Assets | - | - | - | $655,338,000 |
| Other Intangible Assets | - | - | - | $386,000 |
| Receivables | - | - | - | $1,077,942,000 |
| Accounts Receivable | - | - | - | $1,077,942,000 |
| Debt | ||||
| Total Debt | $223,046,000 | $222,832,000 | $222,618,000 | $222,404,000 |
| Long Term Debt And Capital Lease Obligation | $223,046,000 | $222,832,000 | $222,618,000 | $222,404,000 |
| Long Term Debt | $223,046,000 | $222,832,000 | $222,618,000 | $222,404,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $48,468,388,000 | $48,621,671,000 | $47,128,591,000 | $49,755,148,000 |
| Payables And Accrued Expenses | - | - | - | $866,257,000 |
| Payables | - | - | - | $866,257,000 |
| Accounts Payable | - | - | - | $866,257,000 |
| Equity | ||||
| Common Stock Equity | $4,427,584,000 | $3,753,136,000 | $3,570,995,000 | $2,991,776,000 |
| Preferred Stock Equity | $145,452,000 | $145,452,000 | $145,452,000 | $145,452,000 |
| Total Equity Gross Minority Interest | $4,573,036,000 | $3,898,588,000 | $3,716,447,000 | $3,137,228,000 |
| Stockholders Equity | $4,573,036,000 | $3,898,588,000 | $3,716,447,000 | $3,137,228,000 |
| Gains Losses Not Affecting Retained Earnings | $-842,951,000 | $-1,252,004,000 | $-1,119,219,000 | $-1,348,294,000 |
| Other Equity Adjustments | $-842,951,000 | $-1,252,004,000 | $-1,119,219,000 | $-1,348,294,000 |
| Retained Earnings | $4,309,171,000 | $3,951,482,000 | $3,657,688,000 | $3,309,671,000 |
| Other | ||||
| Treasury Shares Number | $1,117,394 | $207,150 | $219,295 | - |
| Preferred Shares Number | $6,000,000 | $6,000,000 | $6,000,000 | $6,000,000 |
| Ordinary Shares Number | $63,287,188 | $64,197,432 | $64,185,287 | $64,354,695 |
| Share Issued | $64,404,582 | $64,404,582 | $64,404,582 | $64,354,695 |
| Tangible Book Value | $4,427,584,000 | $3,753,136,000 | $3,570,995,000 | $2,991,776,000 |
| Invested Capital | $4,650,630,000 | $3,975,968,000 | $3,793,613,000 | $3,214,180,000 |
| Total Capitalization | $4,796,082,000 | $4,121,420,000 | $3,939,065,000 | $3,359,632,000 |
| Treasury Stock | $139,607,000 | $22,558,000 | $23,927,000 | $0 |
| Additional Paid In Capital | $1,100,327,000 | $1,075,572,000 | $1,055,809,000 | $1,029,756,000 |
| Capital Stock | $146,096,000 | $146,096,000 | $146,096,000 | $146,095,000 |
| Common Stock | $644,000 | $644,000 | $644,000 | $643,000 |
| Preferred Stock | $145,452,000 | $145,452,000 | $145,452,000 | $145,452,000 |
| Investments And Advances | $19,439,379,000 | $18,611,310,000 | $20,229,516,000 | $20,910,733,000 |
| Held To Maturity Securities | $3,431,179,000 | $3,533,775,000 | $3,619,428,000 | $2,639,083,000 |
| Available For Sale Securities | $14,889,598,000 | - | - | - |
| Trading Securities | $37,604,000 | $33,910,000 | $31,717,000 | $28,045,000 |
| Net PPE | $1,313,225,000 | $1,245,377,000 | $1,190,033,000 | $1,102,695,000 |
| Accumulated Depreciation | $-458,147,000 | $-449,839,000 | $-394,026,000 | $-363,683,000 |
| Gross PPE | $1,771,372,000 | $1,695,216,000 | $1,584,059,000 | $1,466,378,000 |
| Leases | $265,700,000 | $250,572,000 | $230,642,000 | $209,398,000 |
| Construction In Progress | $44,256,000 | $24,135,000 | $36,910,000 | $39,506,000 |
| Other Properties | $259,177,000 | $270,282,000 | $280,502,000 | $288,816,000 |
| Machinery Furniture Equipment | $255,640,000 | $281,697,000 | $262,666,000 | $236,440,000 |
| Buildings And Improvements | $701,415,000 | $644,240,000 | $581,745,000 | $521,280,000 |
| Land And Improvements | $245,184,000 | $224,290,000 | $191,594,000 | $170,938,000 |
| Other Short Term Investments | $1,080,998,000 | $15,043,625,000 | $16,578,371,000 | $18,243,605,000 |
| Goodwill | - | - | - | $654,952,000 |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $127,327,000 | $861,756,000 | $320,215,000 | $620,081,000 |
| Operating Activities | ||||
| Operating Cash Flow | $273,979,000 | $989,532,000 | $478,845,000 | $722,582,000 |
| Cash Flow From Continuing Operating Activities | $273,979,000 | $989,532,000 | $478,845,000 | $722,582,000 |
| Operating Gains Losses | $-1,991,000 | $-45,000 | $836,000 | $109,000 |
| Investing Activities | ||||
| Capital Expenditure | $-146,652,000 | $-127,776,000 | $-158,630,000 | $-102,501,000 |
| Investing Cash Flow | $-1,601,095,000 | $-180,879,000 | $-942,751,000 | $-8,277,330,000 |
| Cash Flow From Continuing Investing Activities | $-1,601,095,000 | $-180,879,000 | $-942,751,000 | $-8,277,330,000 |
| Net Other Investing Changes | $18,319,000 | $3,727,000 | $2,520,000 | $4,632,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-157,832,000 | $-60,901,000 | $-42,720,000 | $-4,391,000 |
| Financing Cash Flow | $-33,087,000 | $738,329,000 | $-2,876,950,000 | $2,999,880,000 |
| Cash Flow From Continuing Financing Activities | $-33,087,000 | $738,329,000 | $-2,876,950,000 | $2,999,880,000 |
| Cash Dividends Paid | $-262,031,000 | $-249,121,000 | $-238,998,000 | $-216,455,000 |
| Preferred Stock Dividend Paid | $-6,675,000 | $-6,675,000 | $-6,675,000 | $-6,675,000 |
| Common Stock Dividend Paid | $-255,356,000 | $-242,446,000 | $-232,323,000 | $-209,780,000 |
| Net Common Stock Issuance | $-157,832,000 | $-60,901,000 | $-42,720,000 | $-4,391,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Net Preferred Stock Issuance | - | - | - | $0 |
| Preferred Stock Issuance | - | - | - | $0 |
| Other | ||||
| End Cash Position | $8,874,055,000 | $10,234,258,000 | $8,687,276,000 | $12,028,132,000 |
| Beginning Cash Position | $10,234,258,000 | $8,687,276,000 | $12,028,132,000 | $16,583,000,000 |
| Changes In Cash | $-1,360,203,000 | $1,546,982,000 | $-3,340,856,000 | $-4,554,868,000 |
| Proceeds From Stock Option Exercised | $11,946,000 | $22,643,000 | $9,299,000 | $16,659,000 |
| Common Stock Payments | $-157,832,000 | $-60,901,000 | $-42,720,000 | $-4,391,000 |
| Net Issuance Payments Of Debt | $179,714,000 | $223,528,000 | $-570,903,000 | $1,945,567,000 |
| Net Short Term Debt Issuance | $179,714,000 | $223,528,000 | $-570,903,000 | $1,945,567,000 |
| Net Investment Purchase And Sale | $-329,414,000 | $1,905,933,000 | $898,121,000 | $-7,357,868,000 |
| Sale Of Investment | $21,167,535,000 | $19,805,712,000 | $21,170,081,000 | $16,244,485,000 |
| Purchase Of Investment | $-21,496,949,000 | $-17,899,779,000 | $-20,271,960,000 | $-23,602,353,000 |
| Net PPE Purchase And Sale | $-145,692,000 | $-127,751,000 | $-157,348,000 | $-102,438,000 |
| Sale Of PPE | $960,000 | $25,000 | $1,282,000 | $63,000 |
| Purchase Of PPE | $-146,652,000 | $-127,776,000 | $-158,630,000 | $-102,501,000 |
| Change In Working Capital | $-545,812,000 | $229,758,000 | $-296,305,000 | $-31,410,000 |
| Change In Other Working Capital | $-3,694,000 | $-3,644,000 | $-2,220,000 | $-716,000 |
| Change In Other Current Assets | $24,832,000 | $25,264,000 | $23,573,000 | $24,409,000 |
| Change In Payables And Accrued Expense | $-559,281,000 | $-51,004,000 | $-84,993,000 | $61,140,000 |
| Change In Payable | $-559,281,000 | $-51,004,000 | $-84,993,000 | $61,140,000 |
| Change In Account Payable | $-559,281,000 | $-51,004,000 | $-84,993,000 | $61,140,000 |
| Change In Receivables | $-7,669,000 | $259,142,000 | $-232,665,000 | $-116,243,000 |
| Changes In Account Receivables | $-7,669,000 | $259,142,000 | $-232,665,000 | $-116,243,000 |
| Other Non Cash Items | $-3,940,000 | $-3,745,000 | $-2,944,000 | $-2,096,000 |
| Excess Tax Benefit From Stock Based Compensation | $2,265,000 | $3,795,000 | $894,000 | $4,602,000 |
| Stock Based Compensation | $24,755,000 | $19,763,000 | $24,590,000 | $18,322,000 |
| Deferred Tax | $5,372,000 | $-11,600,000 | $-14,829,000 | $-4,918,000 |
| Deferred Income Tax | $5,372,000 | $-11,600,000 | $-14,829,000 | $-4,918,000 |
| Depreciation Amortization Depletion | $87,785,000 | $82,817,000 | $76,442,000 | $71,344,000 |
| Depreciation And Amortization | $87,785,000 | $82,817,000 | $76,442,000 | $71,344,000 |
| Gain Loss On Investment Securities | $850,000 | $96,000 | $-66,000 | $0 |
| Net Income From Continuing Operations | $648,557,000 | $582,542,000 | $597,973,000 | $579,150,000 |
| Repayment Of Debt | - | - | $0 | $0 |
| Net Long Term Debt Issuance | - | - | $0 | $0 |
| Long Term Debt Payments | - | - | $0 | $0 |
| Issuance Of Debt | - | - | - | $0 |
| Preferred Stock Payments | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
Fetched: 2026-06-14