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Cullen/Frost Bankers, Inc. CFR

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Price alert · CFR

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157.60 USD -0.25 -0.16%

At close

156.11 -1.49 -0.95%

Pre-market · Nov 2, 4:25 AM ET

Bid
157.50 × 1
Ask
157.65 × 2
156.33 Day range 158.96
119.15 52-week range 170.80
YTD
+24.46%
1 year
+27.67%
Open
159.06
Prev close
157.85
Mkt cap
9.80B
Vol
522.29K
Avg vol
487.19K
EPS
10.75
P/E
14.66
Div yield
2.61%
More statistics
Low
156.33
High
158.96
Forward P/E
12.89
Beta
0.00
Short ratio
0.02
Inst. own
96.66%
Dividend
4.12
Ex-div date
Nov 29, 2026
Earnings
Jan 28, 2027
50-d avg
157.88
200-d avg
148.73
1y target
173.00

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Financial health

Altman Z-Score

-0.72 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 2
  • P/B 1

Valuation

P/E 12.6×
FY 2016: 18.7×FY 2017: 17.0×FY 2018: 12.6×FY 2019: 14.2×FY 2020: 17.1×FY 2021: 18.6×FY 2022: 15.1×FY 2023: 11.9×FY 2024: 15.1×FY 2025: 12.6×
FY 2016 5y median 15.1× FY 2025
P/S 2.8×
FY 2016: 4.8×FY 2017: 4.9×FY 2018: 4.0×FY 2019: 4.1×FY 2020: 3.7×FY 2021: 5.7×FY 2022: 4.6×FY 2023: 2.6×FY 2024: 3.0×FY 2025: 2.8×
FY 2016 5y median 3.0× FY 2025
P/B 1.8×
FY 2016: 1.8×FY 2017: 1.8×FY 2018: 1.7×FY 2019: 1.6×FY 2020: 1.3×FY 2021: 1.8×FY 2022: 2.7×FY 2023: 1.9×FY 2024: 2.2×FY 2025: 1.8×
FY 2016 5y median 1.9× FY 2025
P/FCF 63.7×
FY 2016: 14.3×FY 2017: 12.0×FY 2018: 11.6×FY 2019: 14.4×FY 2020: 12.8×FY 2021: 13.8×FY 2022: 13.8×FY 2023: 21.8×FY 2024: 10.0×FY 2025: 63.7×
FY 2016 5y median 13.8× FY 2025
EV/EBITDA 4.7×
FY 2016: 6.7×FY 2017: 5.5×FY 2018: 6.9×FY 2019: 8.4×FY 2020: -5.9×FY 2021: -9.9×FY 2022: 2.3×FY 2023: 3.5×FY 2024: 3.8×FY 2025: 4.7×
FY 2016 5y median 3.5× FY 2025
EV/Sales 1.4×
FY 2016: 2.3×FY 2017: 2.0×FY 2018: 2.8×FY 2019: 3.1×FY 2020: -1.7×FY 2021: -4.0×FY 2022: 0.9×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.4×
FY 2016 5y median 1.0× FY 2025
FCF Yield 1.6%
FY 2016: 7.0%FY 2017: 8.4%FY 2018: 8.6%FY 2019: 7.0%FY 2020: 7.8%FY 2021: 7.3%FY 2022: 7.2%FY 2023: 4.6%FY 2024: 10.0%FY 2025: 1.6%
FY 2016 5y median 7.2% FY 2025

Profitability

Gross Margin 75.0%
FY 2016: 94.4%FY 2017: 95.0%FY 2018: 91.8%FY 2019: 89.1%FY 2020: 80.7%FY 2021: 98.3%FY 2022: 90.0%FY 2023: 73.4%FY 2024: 70.1%FY 2025: 75.0%
FY 2016 5y median 75.0% FY 2025
Operating Margin 26.4%
FY 2016: 30.0%FY 2017: 33.2%FY 2018: 36.3%FY 2019: 33.3%FY 2020: 23.6%FY 2021: 35.1%FY 2022: 35.6%FY 2023: 26.9%FY 2024: 24.4%FY 2025: 26.4%
FY 2016 5y median 26.9% FY 2025
Net Margin 22.2%
FY 2016: 26.7%FY 2017: 29.6%FY 2018: 32.4%FY 2019: 29.6%FY 2020: 22.3%FY 2021: 31.8%FY 2022: 30.8%FY 2023: 22.6%FY 2024: 20.4%FY 2025: 22.2%
FY 2016 5y median 22.6% FY 2025
ROE 14.2%
FY 2016: 10.1%FY 2017: 11.0%FY 2018: 13.5%FY 2019: 11.3%FY 2020: 7.7%FY 2021: 10.0%FY 2022: 18.5%FY 2023: 16.1%FY 2024: 14.9%FY 2025: 14.2%
FY 2016 5y median 14.9% FY 2025
ROIC 6.4%
FY 2016: 7.2%FY 2017: 7.8%FY 2018: 9.2%FY 2019: 7.6%FY 2020: 5.0%FY 2021: 6.0%FY 2022: 7.2%FY 2023: 6.7%FY 2024: 5.9%FY 2025: 6.4%
FY 2016 5y median 6.4% FY 2025
ROA 1.2%
FY 2016: 1.0%FY 2017: 1.1%FY 2018: 1.4%FY 2019: 1.3%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 1.1%FY 2023: 1.2%FY 2024: 1.1%FY 2025: 1.2%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 2.5%
FY 2016: 5.6%FY 2017: 8.0%FY 2018: 14.1%FY 2019: 6.8%FY 2020: -0.7%FY 2021: -6.1%FY 2022: 34.8%FY 2023: 40.7%FY 2024: 7.7%FY 2025: 2.5%
FY 2016 FY 2025
Operating Income 10.9%
FY 2016: 6.8%FY 2017: 19.6%FY 2018: 24.6%FY 2019: -1.8%FY 2020: -29.7%FY 2021: 39.3%FY 2022: 36.6%FY 2023: 6.5%FY 2024: -2.3%FY 2025: 10.9%
FY 2016 FY 2025
EPS (diluted) 11.8%
FY 2016: 9.8%FY 2017: 17.2%FY 2018: 25.2%FY 2019: -1.3%FY 2020: -25.3%FY 2021: 32.4%FY 2022: 30.4%FY 2023: 3.3%FY 2024: -2.3%FY 2025: 11.8%
FY 2016 FY 2025
Free Cash Flow -85.2%
FY 2016: 55.1%FY 2017: 31.2%FY 2018: -4.1%FY 2019: -11.5%FY 2020: 0.3%FY 2021: 35.8%FY 2022: 6.5%FY 2023: -48.4%FY 2024: 169.1%FY 2025: -85.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.7×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.2×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 0.2×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.7×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.2×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 1.0×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.7×FY 2022: 1.6×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA -4.8×
FY 2016: -7.5×FY 2017: -7.7×FY 2018: -3.1×FY 2019: -2.7×FY 2020: -19.1×FY 2021: -24.3×FY 2022: -9.3×FY 2023: -5.4×FY 2024: -7.2×FY 2025: -4.8×
FY 2016 5y median -7.2× FY 2025
Interest Coverage 1.1×
FY 2016: 28.3×FY 2017: 15.4×FY 2018: 5.5×FY 2019: 3.8×FY 2020: 7.8×FY 2021: 20.5×FY 2022: 3.6×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 2.6%FY 2017: 2.5%FY 2018: 3.1%FY 2019: 3.0%FY 2020: 3.3%FY 2021: 2.4%FY 2022: 2.5%FY 2023: 3.4%FY 2024: 2.9%FY 2025: 3.2%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 40.4%
FY 2016: 47.0%FY 2017: 41.8%FY 2018: 38.1%FY 2019: 41.7%FY 2020: 55.1%FY 2021: 44.2%FY 2022: 37.4%FY 2023: 40.0%FY 2024: 42.8%FY 2025: 40.4%
FY 2016 5y median 40.4% FY 2025

Annual · latest fiscal year ends 2025-12-31