Cullen Frost/$CFR
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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
- TXSE
- Employees
- 6,008
- Headquarters
- San Antonio, United States
- Website
- www.frostbank.com
Cullen Frost Metrics
BasicAdvanced
$9.8B
14.70
$10.74
0.55
$4.06
2.61%
Price and volume
Market cap
$9.8B
Beta
0.55
52-week high
$170.80
52-week low
$119.15
Average daily volume
445K
Dividend rate
$4.06
Financial strength
Dividend payout ratio (TTM)
38.36%
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
Return on assets (TTM)
1.29%
Return on equity (TTM)
16.35%
Valuation
Price to earnings (TTM)
14.697
Price to revenue (TTM)
4.319
Price to book
2.56
Price to tangible book (TTM)
2.56
Price to free cash flow (TTM)
17.34
Free cash flow yield (TTM)
5.77%
Free cash flow per share (TTM)
9.103
Dividend yield (TTM)
2.57%
Forward dividend yield
2.61%
Growth
Revenue change (TTM)
7.20%
Earnings per share change (TTM)
10.50%
3-year revenue growth (CAGR)
5.48%
3-year earnings per share growth (CAGR)
0.92%
10-year earnings per share growth (CAGR)
9.48%
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
Third-quarter net interest income rose 5.8% year on year, while net interest margin widened to 3.78% from 3.69%. Cullen/Frost raised its 2026 outlook for net interest income, loan growth and fee income. (Cullen/Frost Bankers, Inc.)
The organic branch expansion is contributing meaningfully: it generated 48% of year-on-year loan growth and 49% of deposit growth, and added 6.6% to year-to-date earnings per share. Management plans 14 new locations in 2027. (The Motley Fool)
A record $2.5 billion weighted loan pipeline in the third quarter, 16% above the previous record, points to further lending opportunities. Year-to-date new loan commitments were also up 19%. (The Motley Fool)
Commercial real estate loans grew 10.3% to $11.4 billion by September. The bank’s filing highlights refinancing and capital-access risks for property borrowers, and details substantial reserve overlays against parts of this portfolio. (U.S. Securities and Exchange Commission)
Credit costs are rising: third-quarter credit-loss expense increased to $12.1 million from $6.8 million a year earlier, while non-accrual loans were $63.7 million versus $44.8 million. That could absorb some of the benefit from stronger lending. (Cullen/Frost Bankers, Inc.)
Costs could blunt operating leverage: third-quarter non-interest expense rose 7% year on year, while the cost of interest-bearing deposits increased 12 basis points from the prior quarter to 1.73%. (Cullen/Frost Bankers, Inc., The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 12 Nov 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
AllUSDEURGBP
Fund name | Fund size | $CFR weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | $1.1B | 1.75% |
SPDR S&P US Dividend Aristocrats£USDV | $3.6B | 0.39% |
SPDR S&P US Dividend Aristocrats€SPYD | $3.6B | 0.39% |
SPDR S&P 400 US Mid Cap$SPY4 | $5.9B | 0.29% |
SPDR S&P 400 US Mid Cap£SPX4 | $5.9B | 0.29% |
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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