Business Description
Cullen/Frost Bankers Inc
NAICS : 522110
SIC : 6021
ISIN : US2298991090
Total Employee Number:
6,008Description
Cullen/Frost is a regional US bank with around $52 billion in assets (as of March 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.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 32.01 | |||||
Equity-to-Asset | 0.09 | |||||
Debt-to-Equity | 0.05 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 9/9 | |||||
Beneish M-Score | -2.42 | |||||
WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 9.9 | |||||
3-Year EPS without NRI Growth Rate | 4 | |||||
3-Year FCF Growth Rate | -40.9 | |||||
3-Year Book Growth Rate | 14.6 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 3.92 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 4.84 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 79.43 | |||||
9-Day RSI | 78.12 | |||||
14-Day RSI | 74.26 | |||||
3-1 Month Momentum % | -1.69 | |||||
6-1 Month Momentum % | 7.41 | |||||
12-1 Month Momentum % | 6.42 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.56 | |||||
Dividend Payout Ratio | 0.39 | |||||
3-Year Dividend Growth Rate | 6.8 | |||||
Forward Dividend Yield % | 2.63 | |||||
5-Year Yield-on-Cost % | 3.61 | |||||
3-Year Average Share Buyback Ratio | 0.6 | |||||
Shareholder Yield % | 4.93 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 29.46 | |||||
FCF Margin % | 29.2 | |||||
OCF Margin % | 35.55 | |||||
ROE % | 15.28 | |||||
ROA % | 1.28 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 6 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 15.07 | |||||
Forward PE Ratio | 14.92 | |||||
PE Ratio without NRI | 15.07 | |||||
Shiller PE Ratio | 17.84 | |||||
Price-to-Owner-Earnings | 15.33 | |||||
PEG Ratio | 75.35 | |||||
PS Ratio | 4.35 | |||||
PB Ratio | 2.22 | |||||
Price-to-Tangible-Book | 2.22 | |||||
Price-to-Free-Cash-Flow | 14.88 | |||||
Price-to-Operating-Cash-Flow | 12.22 | |||||
EV-to-Revenue | 1.29 | |||||
EV-to-Forward-Revenue | 4.28 | |||||
EV-to-FCF | 4.44 | |||||
Price-to-GF-Value | 1.15 | |||||
Price-to-Projected-FCF | 1.04 | |||||
Price-to-Median-PS-Value | 0.98 | |||||
Price-to-Graham-Number | 1.22 | |||||
FCF Yield % | 6.83 | |||||
Forward Rate of Return (Yacktman) % | 7.59 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
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Annualized Return % Â
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Cullen/Frost Bankers Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 1,950.75 | ||
| EPS (TTM) (€) | 8.825 | ||
| Beta | 0.4594 | ||
| 3-Year Sharpe Ratio | 0.31 | ||
| 3-Year Sortino Ratio | 0.52 | ||
| Volatility % | 14.62 | ||
| 14-Day RSI | 74.26 | ||
| 14-Day ATR (€) | 2.361586 | ||
| 20-Day SMA (€) | 127.05 | ||
| 12-1 Month Momentum % | 6.42 | ||
| 52-Week Range (€) | 102 - 137 | ||
| Shares Outstanding (Mil) | 62.8 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 9 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Cullen/Frost Bankers Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Cullen/Frost Bankers Inc Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-10-30 13:00 | In 122 days | ||
| Third quarter earnings results for 2026 | 2026-10-30 | In 121 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-31 14:00 | In 31 days | ||
| Second quarter earnings results for 2026 | 2026-07-31 08:00 | In 31 days | ||
| USD 1.030000 Cash Dividend | 2026-05-29 | 117.00 (-0.85%) | ||
| First quarter earnings conference call for 2026 | 2026-04-30 13:00 | 122.00 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-04-30 08:00 | 122.00 (+0.00%) | ||
| General meeting for 2026 | 2026-04-29 10:30 | 122.00 (+0.00%) | ||
| USD 1.000000 Cash Dividend | 2026-02-27 | 122.00 (+1.67%) | ||
| Annual report for 2025 | 2026-02-05 | 120.00 (+1.69%) |
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Cullen/Frost Bankers Inc Frequently Asked Questions
What is Cullen/Frost Bankers Inc(STU:CFZ)'s stock price today?
The current price of STU:CFZ is €135.00. The 52 week high of STU:CFZ is €137.00 and 52 week low is €102.00.
When is next earnings date of Cullen/Frost Bankers Inc(STU:CFZ)?
The next earnings date of Cullen/Frost Bankers Inc(STU:CFZ) is 2026-07-31 Est..
Does Cullen/Frost Bankers Inc(STU:CFZ) pay dividends? If so, how much?
The Dividend Yield %  of Cullen/Frost Bankers Inc(STU:CFZ) is 2.56% (As of Today), Highest Dividend Payout Ratio of Cullen/Frost Bankers Inc(STU:CFZ) was 0.56. The lowest was 0.37. And the median was 0.41. The  Forward Dividend Yield % of Cullen/Frost Bankers Inc(STU:CFZ) is 2.63%. For more information regarding to dividend, please check our Dividend Page.
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