Business Description
Cullen/Frost Bankers Inc
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
6/10
| 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
| 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 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Dividend Growth Rate | 6.8 | |||||
3-Year Average Share Buyback Ratio | 0.6 | |||||
Shareholder Yield % | 5.1 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 29.46 | |||||
FCF Margin % | 29.21 | |||||
OCF Margin % | 35.57 | |||||
ROE % | 15.28 | |||||
ROA % | 1.28 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 6 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 14.6 | |||||
Forward PE Ratio | 14.6 | |||||
PE Ratio without NRI | 14.6 | |||||
Shiller PE Ratio | 17.28 | |||||
Price-to-Owner-Earnings | 14.85 | |||||
PEG Ratio | 73 | |||||
PS Ratio | 4.21 | |||||
PB Ratio | 2.15 | |||||
Price-to-Tangible-Book | 2.15 | |||||
Price-to-Free-Cash-Flow | 14.42 | |||||
Price-to-Operating-Cash-Flow | 11.84 | |||||
EV-to-Revenue | 1.17 | |||||
EV-to-Forward-Revenue | 4.15 | |||||
EV-to-FCF | 3.99 | |||||
Price-to-GF-Value | 1.1 | |||||
Price-to-Projected-FCF | 1.01 | |||||
Price-to-Median-PS-Value | 0.95 | |||||
FCF Yield % | 7.04 | |||||
Forward Rate of Return (Yacktman) % | 7.76 |
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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Annualized Return % Â
Total Annual Return % Â
Cullen/Frost Bankers Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 2,269.85 | ||
| EPS (TTM) (€) | - | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | - | ||
| 14-Day RSI | - | ||
| 14-Day ATR (€) | - | ||
| 20-Day SMA (€) | - | ||
| 12-1 Month Momentum % | - | ||
| 52-Week Range (€) | 122 - 132 | ||
| Shares Outstanding (Mil) |
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 128 days | ||
| Third quarter earnings results for 2026 | 2026-10-30 | In 127 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-31 14:00 | In 37 days | ||
| Second quarter earnings results for 2026 | 2026-07-31 08:00 | In 37 days | ||
| First quarter earnings conference call for 2026 | 2026-04-30 13:00 | -- | ||
| First quarter earnings results for 2026 | 2026-04-30 08:00 | -- | ||
| General meeting for 2026 | 2026-04-29 10:30 | -- | ||
| Annual report for 2025 | 2026-02-05 | -- | ||
| Fourth quarter earnings conference call for 2025 | 2026-01-29 14:00 | -- | ||
| Fourth quarter earnings results for 2025 | 2026-01-29 08:00 | -- |
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Cullen/Frost Bankers Inc Frequently Asked Questions
What is Cullen/Frost Bankers Inc(XTER:CFZ)'s stock price today?
The current price of XTER:CFZ is €132.00. The 52 week high of XTER:CFZ is €132.00 and 52 week low is €122.00.
When is next earnings date of Cullen/Frost Bankers Inc(XTER:CFZ)?
The next earnings date of Cullen/Frost Bankers Inc(XTER:CFZ) is 2026-07-31 Est..
Does Cullen/Frost Bankers Inc(XTER:CFZ) pay dividends? If so, how much?
Cullen/Frost Bankers Inc(XTER:CFZ) does not pay dividend.
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