Cullen Frost/$CFR
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Cullen Frost
Cullen/Frost is a regional US bank with around $54 billion in assets (as of June 2026), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based banking approach that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through targeted branch openings rather than acquisitions. The bank's sweet spot is small to medium-sized Texas-based commercial clients.
- Ticker
- $CFR
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 6,008
- Headquarters
- San Antonio, United States
- Website
- www.frostbank.com
Cullen Frost Metrics
BasicAdvanced
$9.8B
14.69
$10.75
-
$4.06
2.61%
Price and volume
Market cap
$9.8B
52-week high
$170.80
52-week low
$119.15
Average daily volume
471K
Dividend rate
$4.06
Financial strength
Profitability
Net profit margin (TTM)
30.03%
Operating margin (TTM)
36.53%
Effective tax rate (TTM)
15.86%
Revenue per employee (TTM)
$380,000
Management effectiveness
Valuation
Price to earnings (TTM)
14.685
Price to revenue (TTM)
4.319
Price to book
2.19
Price to tangible book (TTM)
2.19
Dividend yield (TTM)
2.57%
Forward dividend yield
2.61%
Growth
Revenue change (TTM)
7.20%
Earnings per share change (TTM)
10.58%
3-year revenue growth (CAGR)
5.48%
3-year earnings per share growth (CAGR)
0.95%
10-year earnings per share growth (CAGR)
9.57%
3-year dividend per share growth (CAGR)
4.77%
10-year dividend per share growth (CAGR)
6.61%
What the Analysts think about Cullen Frost
Analyst ratings (Buy, Hold, Sell) for Cullen Frost stock.
Analyst projections of the future price of Cullen Frost stock.
Bulls say / Bears say
Second-quarter net income rose 9.7% year on year to $170.4 million, while diluted earnings per share climbed 13% to $2.70. Taxable-equivalent net interest income also grew 4.3%. (Cullen/Frost Bankers, Inc.)
The branch expansion is generating meaningful growth: expansion markets supplied 53% of second-quarter loan growth and 72% of deposit growth. Management raised its full-year average loan-growth outlook to 7%–8%, from 6%–7%. (The Motley Fool)
Second-quarter non-interest income increased 9.4% year on year to $128.3 million, led by higher investment-management fees and deposit service charges. Growing fee income gives the bank another source of revenue alongside lending. (Cullen/Frost Bankers, Inc.)
Non-performing assets climbed to $114 million in the second quarter from $73 million in the first, largely because a $54 million Austin multifamily loan was awaiting a property sale. That increase is a warning sign for credit quality, even if the bank expected the loan to be resolved. (The Motley Fool)
Most of the bank’s lending is in Texas, and its portfolio is mainly commercial and industrial and commercial real-estate loans. That leaves results exposed to a downturn in its home state and to stress among business and property borrowers. (SEC)
Loans grew faster than deposits in the second quarter, and the cost of interest-bearing deposits rose six basis points from the prior quarter. If deposit competition keeps funding costs high, it could limit further margin gains. (Cullen/Frost Bankers, Inc., The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 15 Oct 2026.
Cullen Frost Financial Performance
Revenues and expenses
Cullen Frost Earnings Performance
Company profitability
Upcoming events
Cullen Frost News
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Funds containing Cullen Frost
AllUSDEURGBP
Fund name | Fund size | $CFR weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | $1.1B | 1.75% |
SPDR S&P US Dividend Aristocrats€SPYD | $3.8B | 0.39% |
SPDR S&P US Dividend Aristocrats£USDV | $3.8B | 0.39% |
SPDR S&P 400 US Mid Cap£SPX4 | $6.4B | 0.28% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.4B | 0.28% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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