Cullen/Frost Bankers Statistics
Total Valuation
CFR has a market cap or net worth of $7.93 billion. The enterprise value is $5.74 billion.
Important Dates
The next confirmed earnings date is Thursday, October 30, 2025, before market open.
| Earnings Date | Oct 30, 2025 |
| Ex-Dividend Date | Aug 29, 2025 |
Share Statistics
CFR has 64.33 million shares outstanding. The number of shares has decreased by -0.09% in one year.
| Current Share Class | 64.33M |
| Shares Outstanding | 64.33M |
| Shares Change (YoY) | -0.09% |
| Shares Change (QoQ) | +0.04% |
| Owned by Insiders (%) | 2.45% |
| Owned by Institutions (%) | 84.52% |
| Float | 62.70M |
Valuation Ratios
The trailing PE ratio is 13.27 and the forward PE ratio is 13.04. CFR's PEG ratio is 3.92.
| PE Ratio | 13.27 |
| Forward PE | 13.04 |
| PS Ratio | 3.80 |
| Forward PS | 3.41 |
| PB Ratio | 1.95 |
| P/TBV Ratio | 1.96 |
| P/FCF Ratio | 92.19 |
| P/OCF Ratio | 36.67 |
| PEG Ratio | 3.92 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.61 |
| EV / Sales | 2.76 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 66.72 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 59.48 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 15.49%.
| Return on Equity (ROE) | 15.49% |
| Return on Assets (ROA) | 1.22% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $355,268 |
| Profits Per Employee | $101,938 |
| Employee Count | 5,854 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CFR has paid $115.69 million in taxes.
| Income Tax | 115.69M |
| Effective Tax Rate | 15.96% |
Stock Price Statistics
The stock price has decreased by -3.28% in the last 52 weeks. The beta is 0.69, so CFR's price volatility has been lower than the market average.
| Beta (5Y) | 0.69 |
| 52-Week Price Change | -3.28% |
| 50-Day Moving Average | 126.97 |
| 200-Day Moving Average | 128.31 |
| Relative Strength Index (RSI) | 44.71 |
| Average Volume (20 Days) | 405,363 |
Short Selling Information
The latest short interest is 2.68 million, so 4.17% of the outstanding shares have been sold short.
| Short Interest | 2.68M |
| Short Previous Month | 2.55M |
| Short % of Shares Out | 4.17% |
| Short % of Float | 4.28% |
| Short Ratio (days to cover) | 7.73 |
Income Statement
In the last 12 months, CFR had revenue of $2.08 billion and earned $596.75 million in profits. Earnings per share was $9.29.
| Revenue | 2.08B |
| Gross Profit | 2.08B |
| Operating Income | 752.91M |
| Pretax Income | 724.97M |
| Net Income | 596.75M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $9.29 |
Full Income StatementBalance Sheet
The company has $7.30 billion in cash and $5.11 billion in debt, giving a net cash position of $2.19 billion or $34.06 per share.
| Cash & Cash Equivalents | 7.30B |
| Total Debt | 5.11B |
| Net Cash | 2.19B |
| Net Cash Per Share | $34.06 |
| Equity (Book Value) | 4.20B |
| Book Value Per Share | 63.04 |
| Working Capital | -38.77B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $216.18 million and capital expenditures -$130.19 million, giving a free cash flow of $85.99 million.
| Operating Cash Flow | 216.18M |
| Capital Expenditures | -130.19M |
| Free Cash Flow | 85.99M |
| FCF Per Share | $1.34 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 36.20% |
| Pretax Margin | 34.86% |
| Profit Margin | 29.30% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 4.13% |
Dividends & Yields
This stock pays an annual dividend of $4.00, which amounts to a dividend yield of 3.25%.
| Dividend Per Share | $4.00 |
| Dividend Yield | 3.25% |
| Dividend Growth (YoY) | 5.12% |
| Years of Dividend Growth | 31 |
| Payout Ratio | 41.98% |
| Buyback Yield | 0.09% |
| Shareholder Yield | 3.28% |
| Earnings Yield | 7.53% |
| FCF Yield | 1.08% |
Dividend DetailsAnalyst Forecast
The average price target for CFR is $138.38, which is 12.29% higher than the current price. The consensus rating is "Hold".
| Price Target | $138.38 |
| Price Target Difference | 12.29% |
| Analyst Consensus | Hold |
| Analyst Count | 16 |
| Revenue Growth Forecast (5Y) | 4.51% |
| 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 |
