CFR logo

CULLEN/FROST BANKERS INC

CFRNYSE
πŸ† #907 by market capEarnings Oct 22US Equity
$154.21β–Ό $2.17 (βˆ’1.41%)
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24hβ–Ό 1.4%
7dβ–² 0.0%
14dβ–Ό 3.3%
30dβ–Ό 4.2%
ytdβ–² 21.7%
1yβ–² 21.6%
🏦Market Cap
$9.58B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+2.5%
Slowing
πŸ“ŠGross Margin
85.8%
High
πŸ’΅FCF Margin
24.4%
Strong
βš–οΈP/S Ratio
3.6x
Fair
Otter Score
80
Good

Trading Snapshot

Day Range
$152.32 – $156.39
52-Week Range
$119.00 – $170.80
Volume
$2.14B
Avg Volume
$2.56B
Shares Outstanding
62.1M
Next Earnings
Dec 9, 2026

Fundamentals Snapshot

Annual Revenue
$2.92B
Last Q Revenue
$577M
P/E Ratio
14.5
P/S Ratio
3.6x
EPS (TTM)
$10.89
Dividend Yield
2.63%
Dilution (1yr)
βˆ’1.0%

Why Investors Own CFR

  • βœ“High-growth profile β€” revenue up +30.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 65% gross margin and 12% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CFR logo

CULLEN/FROST BANKERS INC

CFR
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$2.9Bβ–² +2.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
75.0%β–² +7.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$772Mβ–² +10.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$127Mβ–Ό βˆ’85.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
63.6Mβ–Ό βˆ’1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$4.1Bβ–Ό βˆ’$1.5B YoY
StockOtter Β· stockotter.space

About CULLEN/FROST BANKERS INC

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, 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. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
80/100

Analyst Ratings

β“˜
Consensus
Hold
19 analysts
Strong Buy3
Buy6
Hold8
Sell1
Strong Sell1
Ratings as of Sep 2026

Latest News & Updates

Zacks Investment ResearchΒ·5d ago

PB vs. CFR: Which Stock Is the Better Value Option?

Investors looking for stocks in the Banks - Southwest sector might want to consider either Prosperity Bancshares (PB) or Cullen/Frost Bankers (CFR). But which of these two stocks is more attractive to value investors?

Defense WorldΒ·5d ago

Cullen/Frost Bankers, Inc. $CFR Shares Bought by State Street Corp

State Street Corp raised its stake in Cullen/Frost Bankers, Inc. (NYSE: CFR) by 3.8% in the undefined quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The instituti

Zacks Investment ResearchΒ·6d ago

Cullen/Frost Bankers (CFR) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Cullen/Frost (CFR) have what it takes?

Defense WorldΒ·12d ago

Bank of America Corp DE Reduces Position in Cullen/Frost Bankers, Inc. $CFR

Bank of America Corp DE reduced its stake in Cullen/Frost Bankers, Inc. (NYSE: CFR) by 20.5% during the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The ins

Zacks Investment ResearchΒ·21d ago

PB or CFR: Which Is the Better Value Stock Right Now?

Investors looking for stocks in the Banks - Southwest sector might want to consider either Prosperity Bancshares (PB) or Cullen/Frost Bankers (CFR). But which of these two stocks is more attractive to value investors?

Zacks Investment ResearchΒ·22d ago

Cullen/Frost Bankers (CFR) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Cullen/Frost (CFR) have what it takes?