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CULLEN/FROST BANKERS, INC.

Data quality: 100%
CFR-PB
NYSE Financial Services Depository Institutions
$17.27
▲ $0.12 (0.70%)
Mkt Cap: 1.10 B
Price
$17.15
Mkt Cap
1.10 B
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Revenue grew 12.99% annually over 5 years — strong growth
ROE of 14.98% — decent returns on equity
Net margin of 29.02% shows strong profitability
Generating 127.33 M in free cash flow
P/E of 1.69 — trading at a low valuation
PEG of 0.17 suggests growth is underpriced

Growth

Revenue Growth (5Y)
12.99%
Above sector avg (5.90%)
Revenue (1Y)8.31%
Earnings (1Y)11.33%
FCF Growth (3Y)-36.94%

Quality

Return on Equity
14.98%
Above sector avg (9.24%)
ROICN/A
Net Margin29.02%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
1.69
Below sector avg (11.15)
P/B Ratio0.25
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2180 peers)
Metric Stock Sector Median
P/E 1.7 11.1
P/B 0.3 1.2
ROE % 15.0 9.2
Net Margin % 29.0 9.4
Rev Growth 5Y % 13.0 5.9
D/E — 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 — 2.49 B —
FY2026 — 2.38 B —

All Fundamental Metrics
Growth
Revenue Growth (1Y) 8.31% Revenue Growth (3Y) 6.06%
Earnings Growth (1Y) 11.33% Earnings Growth (3Y) 4.14%
Revenue Growth (5Y) 12.99% Earnings Growth (5Y) 9.99%
Profitability
Revenue (TTM) 2.24 B Net Income (TTM) 648.56 M
ROE 14.98% ROA 1.25%
Gross Margin N/A Operating Margin N/A
Net Margin 29.02% Free Cash Flow (TTM) 127.33 M
ROIC N/A FCF Growth (3Y) -36.94%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.04
Working Capital N/A Tangible Book Value 4.46 B
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 1.69 Forward P/E N/A
P/B Ratio 0.25 P/S Ratio 0.49
PEG Ratio 0.17 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 11.58%
Market Cap 1.10 B Enterprise Value 1.10 B
Per Share
EPS (Diluted TTM) 9.92 Revenue / Share 34.87
FCF / Share 1.99 OCF / Share 4.27
EPS CAGR (1Y) 11.84% EPS CAGR (5Y) 10.06%
EPS CAGR (10Y) 8.65%
Efficiency
CapEx / Revenue 6.56% FCF Conversion 19.63%
SBC-Adj. FCF 112.39 M Growth Momentum -4.68

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 2.24 B 2.06 B 1.99 B 1.70 B 1.37 B
Net Income 648.56 M 582.54 M 597.97 M 579.15 M 443.08 M
EPS (Diluted) 9.92 8.87 9.10 8.81 6.76
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 87.79 M 82.82 M 76.44 M 71.34 M 69.29 M
Interest Expense 1.74 B 1.60 B 659.05 M 184.44 M 23.90 M
Income Tax 123.15 M 113.43 M 114.40 M 89.68 M 46.46 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 53.04 B 52.52 B 50.85 B 52.89 B 50.88 B
Total Liabilities 48.47 B 48.62 B 47.13 B 49.76 B 46.44 B
Shareholders' Equity 4.57 B 3.90 B 3.72 B 3.14 B 4.44 B
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —