Cullen/Frost Bankers Inc (CFR)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 168.90 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
6/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 11.0%
- Exp. sales growth 3Y > 5% -6.8%
- EBIT growth 10Y > 5% 9.5%
- Exp. EBIT growth 3Y > 5% 6.9%
- Net debt < 4x EBIT -6.8x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 30.9%
- Return on equity > 15% 14.2%
- ROCE > 15% 13.8%
- Expected return > 10% 8.2%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 15.8% passed
- More than 10% revenue growth is expected for the coming year 4.9% failed
- Share count grows by less than 3% a year -0.2% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 6.8% failed
- Gross margin at 40% or higher and without meaningful erosion 75.0% failed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 5,215 m net cash passed
- Operating cash flow covers the profits of the last three years -87 m failed
- Return on capital at 15% or higher, or up versus two years ago 13.8% passed
- Insiders hold at least 10% or are net buyers 6.1% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 2.2% below the current price.
- Consensus
- Hold
- Analyst Ratings
- 13
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 11.01 | 10.88 – 11.25 | 2,404 | 7.6% | 9 |
| 12/31/2027 | 11.56 | 11.09 – 13.25 | 2,539 | 5.0% | 12 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 2.41 | 50.90 | 724 | 4.40 | 21.40 | 64 | 27 |
| 2025: Q1 | 2.35 | 11.30 | 709 | 1.80 | 21.30 | -296 | -337 |
| 2025: Q2 | 2.44 | 7.90 | 719 | 1.70 | 21.80 | 141 | 115 |
| 2025: Q3 | 2.72 | 19.00 | 746 | 3.30 | 23.40 | 249 | 316 |
| 2025: Q4 | 2.61 | 8.40 | 746 | 3.10 | 22.30 | 181 | 138 |
| 2026: Q1 | 2.69 | 14.60 | 575 | -18.90 | 29.70 | 237 | 199 |
| 2026: Q2 | 2.70 | 10.70 | 576 | -19.90 | 29.90 | 53 | -7 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 1,138 | 341 | 304 | 4.83 | 438 | 3,003 | 30,196 |
| 2017 | 1,229 | 408 | 364 | 5.63 | 538 | 3,298 | 31,748 |
| 2018 | 1,402 | 509 | 455 | 7.03 | 562 | 3,369 | 32,293 |
| 2019 | 1,498 | 499 | 444 | 6.99 | 634 | 3,912 | 33,314 |
| 2020 | 1,486 | 351 | 331 | 5.26 | 524 | 4,293 | 40,963 |
| 2021 | 1,396 | 490 | 443 | 6.91 | 648 | 4,440 | 48,897 |
| 2022 | 1,881 | 669 | 579 | 8.98 | 723 | 3,137 | 52,892 |
| 2023 | 1,987 | 712 | 598 | 9.32 | 479 | 3,716 | 50,845 |
| 2024 | 2,850 | 696 | 583 | 9.06 | 990 | 3,899 | 52,520 |
| 2025 | 2,920 | 772 | 649 | 10.12 | 274 | 4,573 | 53,041 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Cullen/Frost Bankers, Inc. ist die Bankholding der Frost Bank, die gewerbliche und private Bankdienste in Texas anbietet.
| Employees | 6,008 |
|---|---|
| Headquarters | San Antonio, TX |
| Address | 111 West Houston Street, 78205 San Antonio, United States |
| Phone | 210 220 4011 |
| Website | frostbank.com |
| IPO Date | 26. Mar 1990 |
| ISIN | US2298991090 |
| Stock Split | 2:1 on 06/23/1999 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Phillip D. Green J.D. | Chairman of the Board & CEO | 1955 |
| Paul H. Bracher | President, Group Executive VP & Chief Banking Officer | 1957 |
| Daniel J. Geddes | Group Executive VP & CFO | 1974 |
| Jimmy M. Stead | Group Executive VP and Chief Consumer Banking Officer & Technology Officer | 1976 |
| Coolidge E. Rhodes Jr. | Group Executive VP, General Counsel & Corporate Secretary | 1976 |
| Matthew B. Henson | Executive VP & Chief Accounting Officer | 1971 |
| A. B. Mendez C.F.A. | Director of Investor Relations | – |
| Annette Alonzo | Group Executive VP & Chief Human Resources Officer | 1969 |
| Carole Kilpatrick | Senior Vice President of Private Client Services for Allen Financial Center | – |
| Robert A. Berman | Group Executive Vice President of Research & Strategy | 1963 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.