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 mid-2025), 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
Employees
5,854
Headquarters
Website
Cullen Frost Metrics
BasicAdvanced
$8.2B
13.72
$9.29
0.73
$2.90
3.14%
Price and volume
Market cap
$8.2B
Beta
0.73
52-week high
$146.44
52-week low
$100.31
Average daily volume
480K
Dividend rate
$2.90
Financial strength
Dividend payout ratio (TTM)
42.03%
Profitability
Net profit margin (TTM)
29.30%
Operating margin (TTM)
36.20%
Effective tax rate (TTM)
15.96%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
1.22%
Return on equity (TTM)
15.49%
Valuation
Price to earnings (TTM)
13.723
Price to revenue (TTM)
3.933
Price to book
2.02
Price to tangible book (TTM)
2.02
Price to free cash flow (TTM)
103.13
Free cash flow yield (TTM)
0.97%
Free cash flow per share (TTM)
1.236
Dividend yield (TTM)
2.27%
Forward dividend yield
3.14%
Growth
Revenue change (TTM)
6.87%
Earnings per share change (TTM)
12.83%
3-year revenue growth (CAGR)
13.41%
3-year earnings per share growth (CAGR)
12.34%
10-year earnings per share growth (CAGR)
7.44%
3-year dividend per share growth (CAGR)
8.67%
10-year dividend per share growth (CAGR)
6.45%
What the Analysts think about Cullen Frost
Analyst ratings (Buy, Hold, Sell) for Cullen Frost stock.
Bulls say / Bears say
Cullen/Frost’s net interest income (taxable-equivalent) increased 7.9% year-over-year to $450.6 million in Q2 2025, fueled by higher rates and a 7.2% rise in average loans to $21.1 billion.
Expansion branches now contribute 37% of total loan growth and 44% of total deposit growth, highlighting the effectiveness of the bank's organic, in-state branch strategy in Houston, Dallas, and Austin.
Cullen/Frost’s Common Equity Tier 1 ratio of 13.98% and Total risk-based capital ratio of 15.88% at Q2-end remain comfortably above both well-capitalized and Basel III minimum thresholds.
Non-interest expenses rose 9.5% year-over-year to $347.1 million in Q2 2025, mainly due to hiring for expansion and technology investments, which put pressure on operating efficiency.
Rising competition in commercial real estate resulted in the second-highest quarterly loss of loans to rivals since expansion began, signaling margin and pricing headwinds in major Texas markets.
Credit loss expense was still high at $13.1 million, with net charge-offs increasing to $11.2 million in Q2 2025 from $9.7 million a year ago, pointing to asset quality concerns.
Data summarised monthly by Lightyear AI. Last updated on 6 Sept 2025.
Cullen Frost Financial Performance
Revenues and expenses
Cullen Frost Earnings Performance
Company profitability
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FAQs
What’s the current market cap for Cullen Frost stock?
Cullen Frost (CFR) has a market cap of $8.2B as of September 15, 2025.
What is the P/E ratio for Cullen Frost stock?
The price to earnings (P/E) ratio for Cullen Frost (CFR) stock is 13.72 as of September 15, 2025.
Does Cullen Frost stock pay dividends?
Yes, the Cullen Frost (CFR) stock pays dividends to shareholders. As of September 15, 2025, the dividend rate is $2.9 and the yield is 3.14%. Cullen Frost has a payout ratio of 42.03% on a trailing twelve-month basis.
When is the next Cullen Frost dividend payment date?
The next Cullen Frost (CFR) dividend payment is scheduled for September 15, 2025.
What is the beta indicator for Cullen Frost?
Cullen Frost (CFR) has a beta rating of 0.73. 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.