Cullen/Frost Bankers Statistics
Total Valuation
CFR has a market cap or net worth of $7.75 billion. The enterprise value is $4.90 billion.
Important Dates
The last earnings date was Thursday, October 30, 2025, before market open.
| Earnings Date | Oct 30, 2025 |
| Ex-Dividend Date | Nov 28, 2025 |
Share Statistics
CFR has 63.94 million shares outstanding. The number of shares has decreased by -0.02% in one year.
| Current Share Class | 63.94M |
| Shares Outstanding | 63.94M |
| Shares Change (YoY) | -0.02% |
| Shares Change (QoQ) | -0.36% |
| Owned by Insiders (%) | 2.46% |
| Owned by Institutions (%) | 88.74% |
| Float | 62.31M |
Valuation Ratios
The trailing PE ratio is 12.48 and the forward PE ratio is 12.42. CFR's PEG ratio is 2.46.
| PE Ratio | 12.48 |
| Forward PE | 12.42 |
| PS Ratio | 3.63 |
| Forward PS | 3.27 |
| PB Ratio | 1.79 |
| P/TBV Ratio | 1.80 |
| P/FCF Ratio | 470.92 |
| P/OCF Ratio | 49.22 |
| PEG Ratio | 2.46 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 7.84 |
| EV / Sales | 2.29 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 297.34 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 316.81 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 14.82%.
| Return on Equity (ROE) | 14.82% |
| Return on Assets (ROA) | 1.23% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $365,831 |
| Profits Per Employee | $106,660 |
| Employee Count | 5,854 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CFR has paid $120.58 million in taxes.
| Income Tax | 120.58M |
| Effective Tax Rate | 15.91% |
Stock Price Statistics
The stock price has decreased by -12.43% in the last 52 weeks. The beta is 0.63, so CFR's price volatility has been lower than the market average.
| Beta (5Y) | 0.63 |
| 52-Week Price Change | -12.43% |
| 50-Day Moving Average | 125.03 |
| 200-Day Moving Average | 126.97 |
| Relative Strength Index (RSI) | 42.97 |
| Average Volume (20 Days) | 486,669 |
Short Selling Information
The latest short interest is 1.99 million, so 3.11% of the outstanding shares have been sold short.
| Short Interest | 1.99M |
| Short Previous Month | 2.60M |
| Short % of Shares Out | 3.11% |
| Short % of Float | 3.19% |
| Short Ratio (days to cover) | 4.76 |
Income Statement
In the last 12 months, CFR had revenue of $2.14 billion and earned $624.39 million in profits. Earnings per share was $9.72.
| Revenue | 2.14B |
| Gross Profit | 2.14B |
| Operating Income | 784.76M |
| Pretax Income | 757.74M |
| Net Income | 624.39M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $9.72 |
Full Income StatementBalance Sheet
The company has $8.07 billion in cash and $5.22 billion in debt, giving a net cash position of $2.86 billion or $44.70 per share.
| Cash & Cash Equivalents | 8.07B |
| Total Debt | 5.22B |
| Net Cash | 2.86B |
| Net Cash Per Share | $44.70 |
| Equity (Book Value) | 4.46B |
| Book Value Per Share | 67.64 |
| Working Capital | -38.98B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $157.55 million and capital expenditures -$141.08 million, giving a free cash flow of $16.47 million.
| Operating Cash Flow | 157.55M |
| Capital Expenditures | -141.08M |
| Free Cash Flow | 16.47M |
| FCF Per Share | $0.26 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 36.64% |
| Pretax Margin | 35.38% |
| Profit Margin | 29.75% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 0.77% |
Dividends & Yields
This stock pays an annual dividend of $4.00, which amounts to a dividend yield of 3.30%.
| Dividend Per Share | $4.00 |
| Dividend Yield | 3.30% |
| Dividend Growth (YoY) | 5.61% |
| Years of Dividend Growth | 31 |
| Payout Ratio | 40.64% |
| Buyback Yield | 0.02% |
| Shareholder Yield | 3.32% |
| Earnings Yield | 8.05% |
| FCF Yield | 0.21% |
Dividend DetailsAnalyst Forecast
The average price target for CFR is $138.44, which is 14.16% higher than the current price. The consensus rating is "Hold".
| Price Target | $138.44 |
| Price Target Difference | 14.16% |
| Analyst Consensus | Hold |
| Analyst Count | 16 |
| Revenue Growth Forecast (5Y) | 4.52% |
| EPS Growth Forecast (5Y) | 3.36% |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on June 23, 1999. It was a forward split with a ratio of 2:1.
| Last Split Date | Jun 23, 1999 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |
