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Cullen/Frost Bankers, Inc.

NYSE:CFR Stock Report

Market Cap: US$8.9b

Cullen/Frost Bankers (CFR) Stock Overview

Operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. More details

CFR fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 16.6% below our estimate of its fair value

Earnings grew by 7.7% over the past year

Pays a reliable dividend of 2.88%

Risk Analysis

No risks detected for CFR from our risk checks.

CFR Community Fair Values

Create Narrative

See what 7 others think this stock is worth. Follow their fair value or set your own to get alerts.

CFR logo
Cullen/Frost Bankers
AN
AnalystConsensusTarget
AnalystConsensusTarget
Consensus Narrative from 13 Analysts

Aggressive Expansion Will Burden Margins And Raise Expenses

Key Takeaways Aggressive expansion strategy could lead to increased operational costs and pressure net margins without proportional revenue growth. Over-reliance on expansion-driven growth risks earnings stability if new markets lack consistent profitability.
View narrative
US$130.84
FV
6.0% overvalued intrinsic discount
4.65%
Revenue growth p.a.
1users have liked this narrative
0users have commented on this narrative
3users have followed this narrative
16 days ago author updated this narrative
View Cullen/Frost Bankers Community

Cullen/Frost Bankers, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Cullen/Frost Bankers
Historical stock prices
Current Share PriceUS$138.74
52 Week HighUS$147.64
52 Week LowUS$100.31
Beta0.66
1 Month Change12.29%
3 Month Change24.32%
1 Year Change22.04%
3 Year Change11.72%
5 Year Change90.05%
Change since IPO2,270.70%

Recent News & Updates

Cullen/Frost Bankers (NYSE:CFR) Is Paying Out A Larger Dividend Than Last Year

May 08
Cullen/Frost Bankers (NYSE:CFR) Is Paying Out A Larger Dividend Than Last Year

Recent updates

Cullen/Frost Bankers (NYSE:CFR) Is Paying Out A Larger Dividend Than Last Year

May 08
Cullen/Frost Bankers (NYSE:CFR) Is Paying Out A Larger Dividend Than Last Year

Cullen/Frost Bankers: Holding Off On An Upgrade

Apr 21

Cullen/Frost Bankers: Near-Term Earnings Growth Likely To Be Muted

Feb 05

Cullen/Frost Bankers: Tailwinds From Texas Growth And Higher Rates

Jan 24

Cullen/Frost Bankers: A Growing Texas Bank In A Growing State, Awaiting Cooler Valuation

Nov 21
author-image

Expanding Market Presence And Innovative Mortgage Products Set To Propel Revenue And Market Share

Expansion into new markets like Houston and Dallas, along with strong loan and deposit growth, positions for increased revenues and market share.

Cullen/Frost: Earnings Remain Subdued, But The Valuation Is Still Attractive

Aug 26

Cullen/Frost Bankers' (NYSE:CFR) Dividend Will Be Increased To $0.95

Jul 28
Cullen/Frost Bankers' (NYSE:CFR) Dividend Will Be Increased To $0.95

Cullen/Frost Bankers: There Are Better Opportunities Out There At This Time

Feb 12

Cullen/Frost Looks Undervalued As Funding Cost Pressure Subsides

Nov 18

Cullen/Frost Bank: Phenomenal Buying Opportunity For This Quality Texas Bank

Sep 11

Holding On To Cullen/Frost Bankers, A Strong But Overvalued Texas Bank

Jul 03

Cullen/Frost Looks Unexpectedly Interesting

Feb 09

Cullen/Frost Bankers Q4 2022 Earnings Preview

Jan 25

Cullen/Frost Bankers GAAP EPS of $2.59 beats by $0.37, revenue of $479.34M beats by $40.17M

Oct 27

Shareholder Returns

CFRUS BanksUS Market
7D1.7%0.05%0.5%
1Y22.0%22.2%14.1%

Return vs Industry: CFR matched the US Banks industry which returned 22.2% over the past year.

Return vs Market: CFR exceeded the US Market which returned 14.1% over the past year.

Price Volatility

Is CFR's price volatile compared to industry and market?
CFR volatility
CFR Average Weekly Movement3.5%
Banks Industry Average Movement3.8%
Market Average Movement6.4%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.1%

Stable Share Price: CFR has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CFR's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18685,854Phil Greenwww.frostbank.com

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services.

Cullen/Frost Bankers, Inc. Fundamentals Summary

How do Cullen/Frost Bankers's earnings and revenue compare to its market cap?
CFR fundamental statistics
Market capUS$8.91b
Earnings (TTM)US$585.06m
Revenue (TTM)US$2.04b
15.2x
P/E Ratio
2.2x
P/B Ratio

Is CFR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CFR income statement (TTM)
RevenueUS$2.04b
Cost of RevenueUS$0
Gross ProfitUS$2.04b
Other ExpensesUS$1.45b
EarningsUS$585.06m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 31, 2025

Earnings per share (EPS)9.10
Gross Margin100.00%
Net Profit Margin28.71%
Debt/Equity Ratio118.2%

How did CFR perform over the long term?

See historical performance and comparison

Dividends

2.9%
Current Dividend Yield
41%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/18 21:38
End of Day Share Price 2025/07/18 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Cullen/Frost Bankers, Inc. is covered by 39 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Matthew KeatingBarclays
Jared David ShawBarclays
Lana ChanBMO Capital Markets Equity Research