Cullen Frost/$CFR
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About Cullen Frost
Cullen/Frost is a regional US bank with around $50 billion in assets (as of 2024 year-end), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based approach to banking that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through branch openings. The bank's sweet spot is small to medium-size Texas-based commercial clients.
Ticker
$CFR
Sector
Primary listing
NYSE
Industry
Banks
Headquarters
Employees
5,854
ISIN
US2298991090
Website
Cullen Frost Metrics
BasicAdvanced
$7.9B
13.58
$9.10
0.65
$3.85
3.24%
Price and volume
Market cap
$7.9B
Beta
0.65
52-week high
$146.44
52-week low
$96.94
Average daily volume
314K
Dividend rate
$3.85
Financial strength
Dividend payout ratio (TTM)
41.99%
Profitability
Net profit margin (TTM)
29.33%
Operating margin (TTM)
36.47%
Effective tax rate (TTM)
16.22%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
1.18%
Return on equity (TTM)
15.42%
Valuation
Price to earnings (TTM)
13.582
Price to revenue (TTM)
3.888
Price to book
2
Price to tangible book (TTM)
2
Price to free cash flow (TTM)
116.929
Free cash flow yield (TTM)
0.86%
Free cash flow per share (TTM)
105.67%
Dividend yield (TTM)
3.12%
Forward dividend yield
3.24%
Growth
Revenue change (TTM)
5.45%
Earnings per share change (TTM)
7.71%
3-year revenue growth (CAGR)
13.66%
3-year earnings per share growth (CAGR)
11.75%
10-year earnings per share growth (CAGR)
7.48%
3-year dividend per share growth (CAGR)
8.28%
10-year dividend per share growth (CAGR)
6.33%
What the Analysts think about Cullen Frost
Analyst ratings (Buy, Hold, Sell) for Cullen Frost stock.
Bulls say / Bears say
Cullen/Frost Bankers reported a 6.1% increase in net interest income for Q1 2025 compared to Q1 2024, indicating strong core banking performance. (investor.frostbank.com)
The bank's Common Equity Tier 1 capital ratio stood at 13.84% at the end of Q1 2025, exceeding well-capitalized levels and Basel III requirements, showcasing financial stability. (investor.frostbank.com)
Non-interest income for Q1 2025 increased by 11.3% year-over-year, driven by higher trust and investment management fees, reflecting diversified revenue streams. (investor.frostbank.com)
Annual net income available to common shareholders decreased by 2.6% in 2024 compared to 2023, indicating potential profitability challenges. (counton2.com)
Average total deposits for 2024 declined by 1.1% compared to 2023, suggesting potential issues in deposit growth. (counton2.com)
The net interest margin decreased to 3.53% in Q4 2024 from 3.56% in Q3 2024, indicating potential pressure on interest income. (counton2.com)
Data summarised monthly by Lightyear AI. Last updated on 5 Jun 2025.
Cullen Frost Financial Performance
Revenues and expenses
Cullen Frost Earnings Performance
Company profitability
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Cullen Frost stock?
Cullen Frost (CFR) has a market cap of $7.9B as of June 20, 2025.
What is the P/E ratio for Cullen Frost stock?
The price to earnings (P/E) ratio for Cullen Frost (CFR) stock is 13.58 as of June 20, 2025.
Does Cullen Frost stock pay dividends?
Yes, the Cullen Frost (CFR) stock pays dividends to shareholders. As of June 20, 2025, the dividend rate is $3.85 and the yield is 3.24%. Cullen Frost has a payout ratio of 41.99% on a trailing twelve-month basis.
When is the next Cullen Frost dividend payment date?
The next Cullen Frost (CFR) dividend payment date is unconfirmed.
What is the beta indicator for Cullen Frost?
Cullen Frost (CFR) has a beta rating of 0.65. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.