CFR
Cullen/Frost Bankers Inc
155.00$
+1.0%
vs. previous close
Closing price · As of: Oct 2, 2026
Statements
Ratios
Valuation ratios (P/E, P/S, EV/EBITDA and the other multiples) are based on the closing price at the end of each period, not on the current price. Margins and returns are shown in percent, multiples without a unit, per-share figures in the reporting currency, net debt in millions.
Tick rows to compare them in a chart (up to 4)
| Line item | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||||||||||||||||||||||
| 14.4 | 22.6 | 19.9 | 14.5 | 20.6 | 20.4 | 14.7 | 16.4 | 18.3 | 17.5 | 16.3 | 14.3 | 14.5 | 16.6 | 17.7 | 14.9 | 14.1 | 19.1 | 16.0 | 13.6 | 18.3 | 16.8 | 12.5 | 14.0 | 16.6 | 18.2 | 14.9 | 11.6 | 14.8 | 12.5 | |
| 2.0 | 3.3 | 2.7 | 2.4 | 3.3 | 2.6 | 2.9 | 3.7 | 4.2 | 3.9 | 3.4 | 2.9 | 3.1 | 3.2 | 4.1 | 3.6 | 3.6 | 4.8 | 4.4 | 3.5 | 4.9 | 5.0 | 4.1 | 4.1 | 3.7 | 5.8 | 4.6 | 3.5 | 3.0 | 2.8 | |
| 2.4 | 3.6 | 2.9 | 2.8 | 3.9 | 2.8 | 2.4 | 2.8 | 3.1 | 2.9 | 2.3 | 2.1 | 1.7 | 1.6 | 1.8 | 1.4 | 1.4 | 1.8 | 1.6 | 1.3 | 1.8 | 1.9 | 1.7 | 1.6 | 1.3 | 1.8 | 2.7 | 1.9 | 2.2 | 1.8 | |
| 0.3 | 2.0 | 1.8 | 1.6 | 2.8 | 1.8 | 2.4 | 3.0 | 4.7 | 4.3 | 4.0 | 3.4 | 3.7 | 2.6 | 2.0 | 1.4 | 0.8 | 1.0 | 1.4 | 1.6 | 2.3 | 2.1 | 2.8 | 3.2 | -1.6 | -3.9 | 0.9 | 1.4 | 1.1 | 1.4 | |
| 1.4 | 7.9 | 7.0 | 5.3 | 9.1 | 7.5 | 6.8 | 7.9 | 12.4 | 11.6 | 12.0 | 10.3 | 10.8 | 8.9 | 5.9 | 4.0 | 2.0 | 2.8 | 3.9 | 4.7 | 6.8 | 5.7 | 7.1 | 8.5 | -5.8 | -9.7 | 2.4 | 3.9 | 3.9 | 4.7 | |
| 16.4 | 54.9 | 15.6 | 12.2 | 21.3 | 22.3 | 7.4 | 11.3 | 22.8 | 25.3 | – | 16.8 | 18.0 | 15.2 | 9.1 | 13.1 | 12.2 | 33.9 | 28.2 | 15.4 | 14.5 | 12.2 | 11.8 | 14.5 | 12.8 | 13.9 | 13.9 | 21.7 | 10.0 | 63.7 | |
| 6.1% | 1.8% | 6.4% | 8.2% | 4.7% | 4.5% | 13.4% | 8.9% | 4.4% | 4.0% | -2.5% | 6.0% | 5.6% | 6.6% | 11.0% | 7.6% | 8.2% | 2.9% | 3.6% | 6.5% | 6.9% | 8.2% | 8.5% | 6.9% | 7.8% | 7.2% | 7.2% | 4.6% | 10.0% | 1.6% | |
| Margins | ||||||||||||||||||||||||||||||
| 69.2% | 68.7% | 69.8% | 72.8% | 69.9% | 71.3% | 83.3% | 88.8% | 89.6% | 82.6% | 75.2% | 74.5% | 81.4% | 83.4% | 89.2% | 92.5% | 96.0% | 95.5% | 97.0% | 94.0% | 94.4% | 95.0% | 91.8% | 89.1% | 80.7% | 98.3% | 90.0% | 111.6% | 70.1% | 75.0% | |
| 21.9% | 22.3% | 20.8% | 24.8% | 25.1% | 18.6% | 30.5% | 33.0% | 33.8% | 33.0% | 30.9% | 29.9% | 30.8% | 25.4% | 29.6% | 31.4% | 33.5% | 30.8% | 32.9% | 29.7% | 30.0% | 33.2% | 36.3% | 33.3% | 23.6% | 35.1% | 35.6% | 35.8% | 24.4% | 26.4% | |
| 14.2% | 14.4% | 13.4% | 16.3% | 16.1% | 12.6% | 19.8% | 22.3% | 22.8% | 22.3% | 20.9% | 20.4% | 21.5% | 19.5% | 23.2% | 23.8% | 25.9% | 25.2% | 27.2% | 25.9% | 26.7% | 29.6% | 32.4% | 29.6% | 22.3% | 31.8% | 30.8% | 30.1% | 20.4% | 22.2% | |
| 12.4% | 6.0% | 17.1% | 19.4% | 15.5% | 11.5% | 39.1% | 32.5% | 18.3% | 15.4% | -8.7% | 17.4% | 17.3% | 21.3% | 45.3% | 27.1% | 29.9% | 14.2% | 15.5% | 23.0% | 33.8% | 41.0% | 34.4% | 28.5% | 28.8% | 41.7% | 33.0% | 16.1% | 30.2% | 4.4% | |
| Returns | ||||||||||||||||||||||||||||||
| 16.6% | 15.8% | 14.7% | 19.2% | 19.0% | 13.6% | 16.6% | 16.9% | 17.2% | 16.8% | 14.1% | 14.4% | 11.8% | 9.5% | 10.1% | 9.5% | 9.8% | 9.5% | 9.7% | 9.7% | 10.1% | 11.0% | 13.5% | 11.3% | 7.7% | 10.0% | 18.5% | 16.1% | 14.9% | 14.2% | |
| 1.3% | 1.2% | 1.1% | 1.4% | 1.4% | 1.0% | 1.2% | 1.3% | 1.4% | 1.4% | 1.5% | 1.6% | 1.4% | 1.1% | 1.2% | 1.1% | 1.0% | 1.0% | 1.0% | 1.0% | 1.0% | 1.1% | 1.4% | 1.3% | 0.8% | 0.9% | 1.1% | 1.2% | 1.1% | 1.2% | |
| Balance Sheet & Debt | ||||||||||||||||||||||||||||||
| -751 | -627 | -482 | -434 | -362 | -466 | -285 | -395 | 335 | 258 | 558 | 486 | 570 | -591 | -1,910 | -1,942 | -2,656 | -3,640 | -2,979 | -2,104 | -2,910 | -3,511 | -1,718 | -1,473 | -7,903 | -13,520 | -6,854 | -4,204 | -5,631 | -4,097 | |
| -6.9 | -4.8 | -3.3 | -2.3 | -1.8 | -2.9 | -1.3 | -1.8 | 1.4 | 1.0 | 1.8 | 1.4 | 1.7 | -2.2 | -6.3 | -6.0 | -7.7 | -11.1 | -7.9 | -5.8 | -7.5 | -7.7 | -3.1 | -2.7 | -19.0 | -24.2 | -9.3 | -5.9 | -7.2 | -4.8 | |
| 7.8% | 7.7% | 7.5% | 7.3% | 7.5% | 7.1% | 7.4% | 8.0% | 8.3% | 8.4% | 10.4% | 11.0% | 11.7% | 11.6% | 11.7% | 11.2% | 10.5% | 10.3% | 10.1% | 10.1% | 9.9% | 10.4% | 10.4% | 11.7% | 10.5% | 9.1% | 5.9% | 7.3% | 7.4% | 8.6% | |
| 0.5 | 0.4 | 0.6 | 0.7 | 0.8 | 0.9 | 1.5 | 0.9 | 1.1 | 1.2 | 0.9 | 0.9 | 1.0 | 0.6 | 0.4 | 0.4 | 0.3 | 0.4 | 0.5 | 0.5 | 0.4 | 0.4 | 0.5 | 0.5 | 0.6 | 0.7 | 1.6 | 1.2 | 1.2 | 1.0 | |
| Per Share | ||||||||||||||||||||||||||||||
| 1.16 | 1.34 | 1.38 | 1.78 | 2.03 | 1.51 | 2.22 | 2.48 | 2.66 | 3.07 | 3.42 | 3.55 | 3.50 | 3.01 | 3.45 | 3.55 | 3.86 | 3.89 | 4.41 | 4.40 | 4.83 | 5.63 | 7.03 | 6.99 | 5.26 | 6.91 | 8.98 | 9.32 | 9.06 | 10.12 | |
| 8.19 | 9.28 | 10.31 | 10.92 | 12.64 | 12.06 | 11.23 | 11.10 | 11.64 | 13.74 | 16.34 | 17.36 | 16.27 | 15.40 | 14.84 | 14.90 | 14.93 | 15.47 | 16.22 | 16.99 | 18.07 | 19.01 | 21.68 | 23.61 | 23.59 | 21.77 | 29.15 | 30.96 | 44.33 | 45.55 | |
| 6.99 | 8.50 | 9.36 | 9.29 | 10.69 | 11.14 | 13.37 | 14.63 | 15.48 | 18.23 | 24.32 | 24.73 | 29.80 | 31.83 | 34.03 | 37.27 | 39.22 | 41.14 | 45.28 | 45.54 | 47.68 | 51.00 | 52.08 | 61.66 | 68.14 | 69.26 | 48.62 | 57.90 | 60.65 | 71.34 | |
| 1.02 | 0.55 | 1.76 | 2.12 | 1.96 | 1.39 | 4.39 | 3.61 | 2.13 | 2.12 | -1.42 | 3.02 | 2.82 | 3.29 | 6.73 | 4.04 | 4.46 | 2.19 | 2.51 | 3.90 | 6.10 | 7.79 | 7.47 | 6.74 | 6.81 | 9.09 | 9.61 | 4.99 | 13.41 | 1.99 | |
Data as of: October 2, 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.