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Cullen/Frost Bankers, Inc.

Data quality: 100%
CFR
NYSE Financial Services Banks - Regional
$133.60
▲ $1.35 (1.02%)
Mkt Cap: 8.44B
Day Range
$133.06 $136.20
52-Week Range
$100.31 $148.97
Volume
394,667
50D / 200D Avg
$138.91 / $130.51
Prev Close
$132.25

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 13.0 10.3
P/B 1.9 1.1
ROE % 15.3 11.7
Net Margin % 22.2 16.8
Rev Growth 5Y % 20.3 11.7
D/E 1.0 0.5

Analyst Price Target

Hold
$150.86 +12.9%
Low: $136.00 High: $161.00
Forward P/E
13.0
Forward EPS
$10.28
EPS Growth (est.)
+0.0%
Est. Revenue
2.4 B

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2028 $10.81
$10.52 – $11.07
2.6 B 1
FY2027 $10.70
$10.30 – $11.26
2.5 B 10
FY2026 $10.28
$9.90 – $10.71
2.4 B 10

Key Takeaways

Revenue grew 20.27% annually over 5 years — strong growth
ROE of 15.31% — decent returns on equity
Net margin of 22.21% shows strong profitability
Generating 127.33M in free cash flow
P/E of 13.02 — trading at a low valuation
PEG of 0.97 suggests growth is underpriced

Growth

Revenue Growth (5Y)
20.27%
Revenue (1Y)2.46%
Earnings (1Y)11.33%
FCF Growth (3Y)-36.94%

Quality

Return on Equity
15.31%
ROIC6.20%
Net Margin22.21%
Op. Margin26.43%

Safety

Debt / Equity
1.04
Current Ratio0.21
Interest Coverage1.13

Valuation

P/E Ratio
13.02
P/B Ratio1.85
EV/EBITDA5.63
Dividend Yield0.03%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 2.46% Revenue Growth (3Y) 5.04%
Earnings Growth (1Y) 11.33% Earnings Growth (3Y) 4.14%
Revenue Growth (5Y) 20.27% Earnings Growth (5Y) 9.99%
Profitability
Revenue (TTM) 2.92B Net Income (TTM) 648.56M
ROE 15.31% ROA 1.22%
Gross Margin 75.04% Operating Margin 26.43%
Net Margin 22.21% Free Cash Flow (TTM) 127.33M
ROIC 6.20% FCF Growth (3Y) -36.94%
Safety
Debt / Equity 1.04 Current Ratio 0.21
Interest Coverage 1.13 Dividend Yield 0.03%
Valuation
P/E Ratio 13.02 P/B Ratio 1.85
P/S Ratio 2.89 PEG Ratio 0.97
EV/EBITDA 5.63 Dividend Yield 0.03%
Market Cap 8.44B Enterprise Value 4.35B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 2.92B 2.85B 2.65B 1.88B 1.40B
Net Income 648.56M 582.54M 597.97M 579.15M 443.08M
EPS (Diluted) 9.92 8.87 9.08 8.79 6.74
Gross Profit 2.19B 2.00B 1.94B 1.69B 1.37B
Operating Income 771.70M 695.97M 712.37M 668.83M 489.54M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 53.04B 52.52B 50.85B 52.89B 50.88B
Total Liabilities 48.47B 48.62B 47.13B 49.76B 46.44B
Shareholders' Equity 4.57B 3.90B 3.72B 3.14B 4.44B
Total Debt 4.77B 4.59B 4.36B 4.93B 2.99B
Cash & Equivalents 8.86B 10.22B 8.60B 11.82B 16.54B
Current Assets 9.98B 25.26B 25.18B 31.14B 31.08B
Current Liabilities 47.46B 47.09B 46.06B 49.53B 46.22B