Cullen Frost/$CFR
1D1W1MYTD1Y5YMAX
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
$10B
15.33
$10.58
0.53
$4.06
2.54%
Price and volume
Market cap
$10B
Beta
0.53
52-week high
$170.80
52-week low
$119.00
Average daily volume
491K
Dividend rate
$4.06
Financial strength
Dividend payout ratio (TTM)
38.65%
Profitability
Net profit margin (TTM)
30.19%
Operating margin (TTM)
36.72%
Effective tax rate (TTM)
15.90%
Revenue per employee (TTM)
$380,000
Management effectiveness
Return on assets (TTM)
1.30%
Return on equity (TTM)
15.50%
Valuation
Price to earnings (TTM)
15.334
Price to revenue (TTM)
4.533
Price to book
2.25
Price to tangible book (TTM)
2.25
Price to free cash flow (TTM)
19.195
Free cash flow yield (TTM)
5.21%
Free cash flow per share (TTM)
8.448
Dividend yield (TTM)
2.50%
Forward dividend yield
2.54%
Growth
Revenue change (TTM)
8.88%
Earnings per share change (TTM)
13.32%
3-year revenue growth (CAGR)
5.45%
3-year earnings per share growth (CAGR)
-0.29%
10-year earnings per share growth (CAGR)
9.56%
3-year dividend per share growth (CAGR)
5.01%
10-year dividend per share growth (CAGR)
6.58%
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
Cullen/Frost’s second-quarter 2026 net income rose 9.7% YoY to $170.4 million, and diluted EPS increased to $2.70 from $2.39, underscoring robust profitability growth. (SEC Filing)
Average loans grew 7.4% year-over-year to $22.6 billion while net interest margin expanded to 3.75%, reflecting strong lending momentum and effective asset-liability management. (SEC Filing)
Asset quality remains solid with allowance for credit losses covering 1.23% of total loans and credit loss expense falling to $9.8 million from $13.1 million a year earlier. (SEC Filing)
The bank’s loan portfolio is highly concentrated in commercial and industrial, energy, construction and commercial real estate loans—which comprised approximately 80.9% of total loans at year-end—heightening the risk of significant losses if one or more large credits deteriorate. (SEC 10-K)
Cullen/Frost is exposed entirely to the Texas economy, making its profitability vulnerable to downturns in local real estate, energy prices or regional business cycles, any of which could materially impair its performance. (SEC 10-K)
A conservative loan-to-deposit ratio of 53.0% signals significant idle deposits earning minimal returns, which may constrain net interest income growth as interest rates normalize. (TradingView)
Data summarised monthly by Lightyear AI. Last updated on 22 Aug 2026.
Cullen Frost Financial Performance
Revenues and expenses
Cullen Frost Earnings Performance
Company profitability
Upcoming events
No upcoming events
Cullen Frost News
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Funds containing Cullen Frost
AllEURGBPUSD
Fund name | Fund size | $CFR weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | €1B | 1.64% |
SPDR S&P US Dividend Aristocrats€SPYD | €3.3B | 0.42% |
SPDR S&P US Dividend Aristocrats£USDV | £2.8B | 0.42% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.3B | 0.30% |
SPDR S&P 400 US Mid Cap£SPX4 | £4.7B | 0.30% |
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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