CFZ Stock Overview
Operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for CFZ from our risk checks.
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Cullen/Frost Bankers, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$107.00 |
| 52 Week High | US$139.00 |
| 52 Week Low | US$88.50 |
| Beta | 0.81 |
| 1 Month Change | 7.00% |
| 3 Month Change | -18.32% |
| 1 Year Change | 9.18% |
| 3 Year Change | -13.71% |
| 5 Year Change | 69.84% |
| Change since IPO | 158.86% |
Recent News & Updates
Recent updates
Shareholder Returns
| CFZ | DE Banks | DE Market | |
|---|---|---|---|
| 7D | 7.5% | 1.1% | 2.5% |
| 1Y | 9.2% | 26.6% | 14.4% |
Return vs Industry: CFZ underperformed the German Banks industry which returned 27.5% over the past year.
Return vs Market: CFZ underperformed the German Market which returned 14.9% over the past year.
Price Volatility
| CFZ volatility | |
|---|---|
| CFZ Average Weekly Movement | 6.8% |
| Banks Industry Average Movement | 4.9% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in DE Market | 12.8% |
| 10% least volatile stocks in DE Market | 3.1% |
Stable Share Price: CFZ has not had significant price volatility in the past 3 months compared to the German market.
Volatility Over Time: CFZ's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1868 | 5,854 | Phil Green | www.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
| CFZ fundamental statistics | |
|---|---|
| Market cap | €7.12b |
| Earnings (TTM) | €517.48m |
| Revenue (TTM) | €1.80b |
13.8x
P/E Ratio2.0x
P/B RatioIs CFZ overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CFZ income statement (TTM) | |
|---|---|
| Revenue | US$2.04b |
| Cost of Revenue | US$0 |
| Gross Profit | US$2.04b |
| Other Expenses | US$1.45b |
| Earnings | US$585.06m |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 9.10 |
| Gross Margin | 100.00% |
| Net Profit Margin | 28.71% |
| Debt/Equity Ratio | 118.2% |
How did CFZ perform over the long term?
See historical performance and comparisonDividends
3.2%
Current Dividend Yield41%
Payout RatioDoes CFZ pay a reliable dividends?
See CFZ dividend history and benchmarks| Cullen/Frost Bankers dividend dates | |
|---|---|
| Ex Dividend Date | May 30 2025 |
| Dividend Pay Date | Jun 13 2025 |
| Days until Ex dividend | 24 days |
| Days until Dividend pay date | 38 days |
Does CFZ pay a reliable dividends?
See CFZ dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/05 15:23 |
| End of Day Share Price | 2025/05/02 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 38 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.
| Analyst | Institution |
|---|---|
| Matthew Keating | Barclays |
| Jared David Shaw | Barclays |
| Peter Winter | BMO Capital Markets Equity Research |