Cullen/Frost Bankers Statistics
Total Valuation
CFR has a market cap or net worth of $9.64 billion. The enterprise value is $8.55 billion.
| Market Cap | 9.64B |
| Enterprise Value | 8.55B |
Important Dates
The next estimated earnings date is Thursday, October 29, 2026, before market open.
| Earnings Date | Oct 29, 2026 |
| Ex-Dividend Date | Aug 31, 2026 |
Share Statistics
CFR has 62.15 million shares outstanding. The number of shares has decreased by -1.46% in one year.
| Current Share Class | 62.15M |
| Shares Outstanding | 62.15M |
| Shares Change (YoY) | -1.46% |
| Shares Change (QoQ) | -1.02% |
| Owned by Insiders (%) | 1.22% |
| Owned by Institutions (%) | 92.45% |
| Float | 61.34M |
Valuation Ratios
The trailing PE ratio is 14.66 and the forward PE ratio is 13.49. CFR's PEG ratio is 2.06.
| PE Ratio | 14.66 |
| Forward PE | 13.49 |
| PS Ratio | 4.26 |
| Forward PS | 3.86 |
| PB Ratio | 2.15 |
| P/TBV Ratio | 2.15 |
| P/FCF Ratio | 17.80 |
| P/OCF Ratio | 13.39 |
| PEG Ratio | 2.06 |
Enterprise Valuation
| EV / Earnings | 12.77 |
| EV / Sales | 3.78 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 15.79 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 10.23 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 15.50%.
| Return on Equity (ROE) | 15.50% |
| Return on Assets (ROA) | 1.30% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.61% |
| Revenue Per Employee | $376,909 |
| Profits Per Employee | $111,425 |
| Employee Count | 6,008 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CFR has paid $129.26 million in taxes.
| Income Tax | 129.26M |
| Effective Tax Rate | 15.90% |
Stock Price Statistics
The stock price has increased by +23.26% in the last 52 weeks. The beta is 0.55, so CFR's price volatility has been lower than the market average.
| Beta (5Y) | 0.55 |
| 52-Week Price Change | +23.26% |
| 50-Day Moving Average | 162.45 |
| 200-Day Moving Average | 146.51 |
| Relative Strength Index (RSI) | 39.87 |
| Average Volume (20 Days) | 507,224 |
Short Selling Information
The latest short interest is 9,473, so 0.02% of the outstanding shares have been sold short.
| Short Interest | 9,473 |
| Short Previous Month | 22,121 |
| Short % of Shares Out | 0.02% |
| Short % of Float | 0.02% |
| Short Ratio (days to cover) | 0.02 |
Income Statement
In the last 12 months, CFR had revenue of $2.26 billion and earned $669.44 million in profits. Earnings per share was $10.58.
| Revenue | 2.26B |
| Gross Profit | 2.26B |
| Operating Income | 831.42M |
| Pretax Income | 812.94M |
| Net Income | 669.44M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $10.58 |
Balance Sheet
The company has $6.62 billion in cash and $5.54 billion in debt, with a net cash position of $1.08 billion or $17.44 per share.
| Cash & Cash Equivalents | 6.62B |
| Total Debt | 5.54B |
| Net Cash | 1.08B |
| Net Cash Per Share | $17.44 |
| Equity (Book Value) | 4.62B |
| Book Value Per Share | 72.04 |
| Working Capital | -41.53B |
Cash Flow
In the last 12 months, operating cash flow was $719.58 million and capital expenditures -$178.12 million, giving a free cash flow of $541.46 million.
| Operating Cash Flow | 719.58M |
| Capital Expenditures | -178.12M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 468.02M |
| Free Cash Flow | 541.46M |
| FCF Per Share | $8.71 |
Margins
| Gross Margin | n/a |
| Operating Margin | 36.72% |
| Pretax Margin | 35.90% |
| Profit Margin | 30.19% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 23.91% |
Dividends & Yields
This stock pays an annual dividend of $4.12, which amounts to a dividend yield of 2.66%.
| Dividend Per Share | $4.12 |
| Dividend Yield | 2.66% |
| Dividend Growth (YoY) | 4.10% |
| Years of Dividend Growth | 32 |
| Payout Ratio | 38.96% |
| FCF Payout Ratio | 47.29% |
| Buyback Yield | 1.46% |
| Shareholder Yield | 4.12% |
| Earnings Yield | 6.95% |
| FCF Yield | 5.62% |
Analyst Forecast
The average price target for CFR is $172.79, which is 11.45% higher than the current price. The consensus rating is "Hold".
| Price Target | $172.79 |
| Price Target Difference | 11.45% |
| Analyst Consensus | Hold |
| Analyst Count | 15 |
| Revenue Growth Forecast (3Y) | 4.79% |
| EPS Growth Forecast (3Y) | 5.97% |
Fair 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 | 4 |