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Cullen/Frost Bankers (CFR)
NYSE:CFR
Total Valuation
Cullen/Frost Bankers has a market cap or net worth of $8.55B. The enterprise value is $4.46B.
Market Cap$8.55B
Enterprise Value$4.46B
Share Statistics
Cullen/Frost Bankers has 63,201,794 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding63,201,794
Owned by Insiders1.26%
Owned by Institutions12.47%
Financial Efficiency
Cullen/Frost Bankers’s return on equity (ROE) is 0.14 and return on invested capital (ROIC) is 6.41%.
Return on Equity (ROE)0.14
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)6.41%
Return on Capital Employed (ROCE)0.14
Revenue Per Employee498.78K
Profits Per Employee110.79K
Employee Count5,854
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Cullen/Frost Bankers is 12.5. Cullen/Frost Bankers’s PEG ratio is 0.97.
PE Ratio12.5
PS Ratio2.78
PB Ratio1.77
Price to Fair Value1.77
Price to FCF63.70
Price to Operating Cash Flow31.42
PEG Ratio0.97
Income Statement
In the last 12 months, Cullen/Frost Bankers had revenue of 2.92B and earned 648.56M in profits. Earnings per share was 10.02.
Revenue2.92B
Gross Profit2.19B
Operating Income771.70M
Pretax Income771.70M
Net Income648.56M
EBITDA859.49M
Earnings Per Share (EPS)10.02
Cash Flow
In the last 12 months, operating cash flow was 273.98M and capital expenditures -42.52M, giving a free cash flow of 231.46M billion.
Operating Cash Flow273.98M
Free Cash Flow231.46M
Free Cash Flow per Share3.66
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 Ratio40.64%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.91
52-Week Price Change10.14%
50-Day Moving Average137.66
200-Day Moving Average128.37
Relative Strength Index (RSI)38.40
Average Volume (3m)590.44K
Important Dates
Cullen/Frost Bankers upcoming earnings date is Apr 23, 2026, Before Open (Confirmed).
Last Earnings DateJan 29, 2026
Next Earnings DateApr 23, 2026
Ex-Dividend Date―
Financial Position
Cullen/Frost Bankers as a current ratio of 0.21, with Debt / Equity ratio of 104.26%
Current Ratio0.21
Quick Ratio0.21
Debt to Market Cap0.59
Net Debt to EBITDA-4.77
Interest Coverage Ratio1.13
Taxes
In the past 12 months, Cullen/Frost Bankers has paid 123.14M in taxes.
Income Tax123.14M
Effective Tax Rate0.16
Enterprise Valuation
Cullen/Frost Bankers EV to EBITDA ratio is 4.67, with an EV/FCF ratio of 31.53.
EV to Sales1.37
EV to EBITDA4.67
EV to Free Cash Flow31.53
EV to Operating Cash Flow14.65
Balance Sheet
Cullen/Frost Bankers has $9.98B in cash and marketable securities with $4.77B in debt, giving a net cash position of $5.22B billion.
Cash & Marketable Securities$9.98B
Total Debt$4.77B
Net Cash$5.22B
Net Cash Per Share$82.52
Tangible Book Value Per Share$71.39
Margins
Gross margin is 75.04%, with operating margin of 26.43%, and net profit margin of 22.21%.
Gross Margin75.04%
Operating Margin26.43%
Pretax Margin26.43%
Net Profit Margin22.21%
EBITDA Margin29.44%
EBIT Margin26.43%
Analyst Forecast
The average price target for Cullen/Frost Bankers is $151.18, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$151.18
Price Target Upside11.69% Upside
Analyst ConsensusHold
Analyst Count12
Revenue Growth Forecast2.85%
EPS Growth Forecast20.57%