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Cullen/frost Bankers (CFR)
:CFR
Total Valuation
Cullen/Frost Bankers has a market cap or net worth of $8.13B. The enterprise value is $12.63B.
Market Cap$8.13B
Enterprise Value$12.63B
Share Statistics
Cullen/Frost Bankers has 64,325,290 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding64,325,290
Owned by Insiders1.29%
Owned by Institutions26.57%
Financial Efficiency
Cullen/Frost Bankers’s return on equity (ROE) is 0.15 and return on invested capital (ROIC) is 5.95%.
Return on Equity (ROE)0.15
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)5.95%
Return on Capital Employed (ROCE)0.13
Revenue Per Employee486.80K
Profits Per Employee99.51K
Employee Count5,854
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Cullen/Frost Bankers is 13.6. Cullen/Frost Bankers’s PEG ratio is ―.
PE Ratio13.6
PS Ratio0.00
PB Ratio0.00
Price to Fair Value2.21
Price to FCF0.00
Price to Operating Cash Flow39.95
PEG Ratio―
Income Statement
In the last 12 months, Cullen/Frost Bankers had revenue of 2.85B and earned 582.54M in profits. Earnings per share was 8.88.
Revenue2.85B
Gross Profit2.00B
Operating Income695.97M
Pretax Income695.97M
Net Income582.54M
EBITDA778.78M
Earnings Per Share (EPS)8.88
Cash Flow
In the last 12 months, operating cash flow was 204.99M and capital expenditures -130.54M, giving a free cash flow of 74.44M billion.
Operating Cash Flow204.99M
Free Cash Flow74.44M
Free Cash Flow per Share1.16
Dividends & Yields
Cullen/Frost Bankers pays an annual dividend of $1, resulting in a dividend yield of 3.05%
Dividend Per Share$1
Dividend Yield3.05%
Payout Ratio41.44%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.99
52-Week Price Change16.29%
50-Day Moving Average130.05
200-Day Moving Average129.48
Relative Strength Index (RSI)39.53
Average Volume (3m)412.50K
Important Dates
Cullen/Frost Bankers upcoming earnings date is Oct 23, 2025, Before Open (Confirmed).
Last Earnings DateJul 31, 2025
Next Earnings DateOct 23, 2025
Ex-Dividend DateAug 29, 2025
Financial Position
Cullen/Frost Bankers as a current ratio of 0.54, with Debt / Equity ratio of 0.00%
Current Ratio0.54
Quick Ratio0.54
Debt to Market Cap0.53
Net Debt to EBITDA-7.23
Interest Coverage Ratio0.89
Taxes
In the past 12 months, Cullen/Frost Bankers has paid 113.42M in taxes.
Income Tax113.42M
Effective Tax Rate0.16
Enterprise Valuation
Cullen/Frost Bankers EV to EBITDA ratio is 3.83, with an EV/FCF ratio of 3.47.
EV to Sales1.05
EV to EBITDA3.83
EV to Free Cash Flow3.47
EV to Operating Cash Flow3.02
Balance Sheet
Cullen/Frost Bankers has $9.25B in cash and marketable securities with $4.72B in debt, giving a net cash position of -$4.54B billion.
Cash & Marketable Securities$9.25B
Total Debt$4.72B
Net Cash-$4.54B
Net Cash Per Share-$70.52
Tangible Book Value Per Share$60.74
Margins
Gross margin is 60.41%, with operating margin of 24.42%, and net profit margin of 20.44%.
Gross Margin60.41%
Operating Margin24.42%
Pretax Margin24.42%
Net Profit Margin20.44%
EBITDA Margin27.33%
EBIT Margin24.42%
Analyst Forecast
The average price target for Cullen/Frost Bankers is $136.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$136.00
Price Target Upside7.60% Upside
Analyst ConsensusHold
Analyst Count12
Revenue Growth Forecast4.04%
EPS Growth Forecast13.30%