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Cullen/Frost Bankers, Inc. (CFR)
TXSE: CFR · Real-Time Price · USD
158.17
+0.36 (0.23%)
At close: Nov 13, 2026, 4:00 PM EST
158.31
+0.14 (0.09%)
After-hours: Nov 13, 2026, 8:00 PM EST

Cullen/Frost Bankers Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
2,2962,1911,9991,9411,6931,372
Revenue Growth
7.20%9.62%2.97%14.64%23.45%14.27%
Net Income
674.61635.47569.63585.02567.27432.04
Earnings Per Share
10.749.928.879.108.816.76
EPS Growth
10.50%11.84%-2.53%3.29%30.33%32.31%

Revenue by Segment
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Banking
2,1192,0311,8751,8141,5261,211
Frost Wealth Advisors
228.19217.35203.73186.53180.52169.58
Non-Banks
-11.95-13.26-15.44-13.08-10.76-8.52

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
7,3099,01110,3958,87212,24616,657
Total Debt
5,8925,1735,0224,8405,4583,441
Net Cash (Debt)
1,4173,8385,3734,0316,78913,216
Net Cash Growth
-50.43%-28.57%33.28%-40.62%-48.63%74.51%
Net Cash Per Share
22.5659.8883.6162.60105.22206.17

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
763.65273.98989.53478.85722.58648.29
Capital Expenditures
-185.19-146.65-127.78-158.63-102.5-65.85
Free Cash Flow
578.46127.33861.76320.22620.08582.44
Free Cash Flow Growth
3413.03%-85.22%169.12%-48.36%6.46%35.82%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
29.39%29.00%28.50%30.14%33.50%31.50%
FCF Margin
25.20%5.81%43.11%16.50%36.62%42.47%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
4.1203.9503.7403.5803.2402.940
Dividend Per Share Growth
3.54%5.62%4.47%10.49%10.20%3.16%
Dividend Yield
2.60%3.09%2.79%3.31%2.43%2.34%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.7312.7415.1211.8815.1618.59
Forward PE
13.2212.9015.4412.8212.2022.79
P/FCF Ratio
17.0063.599.9921.7013.8613.79
PS Ratio
4.283.704.313.585.085.86