Cullen/Frost Bankers (CFR)
NYSE:CFR
Want to see CFR full AI Analyst Report?
Total Valuation
Cullen/Frost Bankers has a market cap or net worth of $8.46B. The enterprise value is $12.46B.
Market Cap$8.46B
Enterprise Value$12.46B
Share Statistics
Cullen/Frost Bankers has 62,797,047 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding62,797,047
Owned by Insiders1.06%
Owned by Institutions28.48%
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 12.7. Cullen/Frost Bankers’s PEG ratio is 0.97.
PE Ratio12.7
PS Ratio2.78
PB Ratio1.77
Price to Fair Value1.77
Price to FCF63.70
Price to Operating Cash Flow10.61
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 807.41M and capital expenditures -40.17M, giving a free cash flow of 767.24M billion.
Operating Cash Flow807.41M
Free Cash Flow767.24M
Free Cash Flow per Share12.22
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
Beta0.92
52-Week Price Change5.56%
50-Day Moving Average139.06
200-Day Moving Average130.21
Relative Strength Index (RSI)62.46
Average Volume (3m)500.11K
Important Dates
Cullen/Frost Bankers upcoming earnings date is Jul 23, 2026, Before Open (Confirmed).
Last Earnings DateApr 30, 2026
Next Earnings DateJul 23, 2026
Ex-Dividend Date―
Financial Position
Cullen/Frost Bankers as a current ratio of 0.21, with Debt / Equity ratio of 102.51%
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 $638.78M in cash and marketable securities with $4.64B in debt, giving a net cash position of -$4.01B billion.
Cash & Marketable Securities$638.78M
Total Debt$4.64B
Net Cash-$4.01B
Net Cash Per Share-$63.79
Tangible Book Value Per Share$71.39
Margins
Gross margin is 80.13%, with operating margin of 26.43%, and net profit margin of 22.21%.
Gross Margin80.13%
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 $150.82, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$150.82
Price Target Upside5.22% Upside
Analyst ConsensusHold
Analyst Count12
Revenue Growth Forecast2.22%
EPS Growth Forecast12.61%