Cullen/Frost BankersCFR +0.61%73 FCF Yield % is 7.00 as of Jun. 25, 2026, which is 5% below its 10-year median of 7.36. GuruFocus rates CFR with a GF Score™ of 73/100 and a GF Value™ of $136.21 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,504 Banks companies, Cullen/Frost Bankers ranks worse than 55.65% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Cullen/Frost Bankers FCF Yield % Related Terms
Cullen/Frost Bankers FCF Yield % Historical Data
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The historical data trend for Cullen/Frost Bankers's FCF Yield % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Cullen/Frost Bankers's FCF Yield %, along with its competitors' market caps and FCF Yield % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cullen/Frost Bankers FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Cullen/Frost Bankers's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Cullen/Frost Bankers's FCF Yield % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Cullen/Frost Bankers (CFR) has a FCF Yield % of 7.00 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Cullen/Frost Bankers and its competitors. This is near median its historical median of 7.36. Over the past decade, Cullen/Frost Bankers' FCF Yield % has ranged from 0.19 to 15.59. According to the industry distribution chart, Cullen/Frost Bankers ranks #837 out of 1504 companies in the Banks industry, placing it in the top 55.7%.
Is Cullen/Frost Bankers' FCF Yield % too high?
Cullen/Frost Bankers' current FCF Yield % of 7.00 is near median its 10-year median of 7.36. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 15.59. The Banks industry median FCF Yield % is 8.24. Cullen/Frost Bankers' value of 7.00 is 15% below this industry median. Based on the distribution chart, Cullen/Frost Bankers ranks #837 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, Cullen/Frost Bankers has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cullen/Frost Bankers' FCF Yield % compare to COLB and WAL?
According to the Banks industry distribution chart, Cullen/Frost Bankers ranks #837 out of 1504 companies for FCF Yield %. This places Cullen/Frost Bankers in the lower half of its industry. The industry median FCF Yield % is 8.24. Cullen/Frost Bankers' value of 7.00 is 15% below this benchmark. Historically, Cullen/Frost Bankers' own FCF Yield % has ranged from 0.19 to 15.59 over the past decade. While the company's 10-year median is 7.36 vs. the industry median of 8.24, Cullen/Frost Bankers has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cullen/Frost Bankers's current FCF Yield % of 7.00 is 15% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Cullen/Frost Bankers and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullen/Frost Bankers's current FCF Yield % is 7.00, which is near median its own 10-year median of 7.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cullen/Frost Bankers stock overvalued right now?
Based on GuruFocus' analysis, Cullen/Frost Bankers (CFR) is currently considered Modestly Overvalued. The stock's GF Value™ is $136.21, compared to a current price of $150.90 — trading 10.8% above its estimated fair value. The current FCF Yield % is 7.00, which is near median its 10-year median of 7.36 and 15% below the Banks industry median of 8.24. Cullen/Frost Bankers' overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Cullen/Frost Bankers (CFR), the current FCF Yield % is 7.00 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cullen/Frost Bankers (CFR) Overvalued in 2026?
Based on GuruFocus' analysis, Cullen/Frost Bankers stock appears to be overvalued.
The current stock price of $150.90 is trading 10.8% above its estimated GF Value™ of $136.21.
GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.
Key valuation signals for CFR:
FCF Yield %: 7.00 (near median its 10-year median of 7.36)
GF Value™: $136.21 vs. price of $150.90 (10.8% above fair value)
Industry Position: 15% below the Banks median (#837 of 1504)
No single metric tells the full story. See the CFR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
73GF Score
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