Cullen/Frost Bankers (XTER:CFZ) LT-Debt-to-Total-Asset: 0.00 (As of Mar. 2026)

What is Cullen/Frost Bankers LT-Debt-to-Total-Asset?

Cullen/Frost Bankers XTER:CFZ +0.76% 20 LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus rates XTER:CFZ with a GF Score™ of 20/100 and a GF Value™ of €119.85 (Modestly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Cullen/Frost Bankers's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.00.

Cullen/Frost Bankers's long-term debt to total assets ratio stayed the same from Sep. 2025 (0.00) to Mar. 2026 (0.00).

Cullen/Frost Bankers (XTER:CFZ) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Cullen/Frost Bankers LT-Debt-to-Total-Asset Related Terms

Cullen/Frost Bankers LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Cullen/Frost Bankers's LT-Debt-to-Total-Asset 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.

Cullen/Frost Bankers LT-Debt-to-Total-Asset Chart

Cullen/Frost Bankers Annual Data

Trend

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LT-Debt-to-Total-Asset

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0.00

Cullen/Frost Bankers Semi-Annual Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.00

20GF Score

Cullen/Frost Bankers Inc XTER:CFZ

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Cullen/Frost Bankers LT-Debt-to-Total-Asset Calculation

Cullen/Frost Bankers's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	223.046	/	53041.424
	=	0.00

Cullen/Frost Bankers's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	223.099	/	52724.557
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.00 mean?

Cullen/Frost Bankers (XTER:CFZ) has a LT-Debt-to-Total-Asset of 0.00 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Cullen/Frost Bankers and its competitors.

Is Cullen/Frost Bankers' LT-Debt-to-Total-Asset too high?

Cullen/Frost Bankers' current LT-Debt-to-Total-Asset is 0.00. Overall, Cullen/Frost Bankers has a GF Score™ of 20/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Cullen/Frost Bankers' LT-Debt-to-Total-Asset compare to ?

Cullen/Frost Bankers' LT-Debt-to-Total-Asset of 0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Cullen/Frost Bankers and its competitors. Cullen/Frost Bankers's current LT-Debt-to-Total-Asset is 0.00. 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 (XTER:CFZ) is currently considered Modestly Overvalued. The stock's GF Value™ is €119.85, compared to a current price of €133.00 — trading 11% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. Cullen/Frost Bankers' overall GF Score™ is 20/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Cullen/Frost Bankers (XTER:CFZ), the current LT-Debt-to-Total-Asset is 0.00 as of Mar. 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 (XTER:CFZ) Overvalued in 2026?

Based on GuruFocus' analysis, Cullen/Frost Bankers stock appears to be overvalued. The current stock price of €133.00 is trading 11% above its estimated GF Value™ of €119.85. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for XTER:CFZ:

LT-Debt-to-Total-Asset: 0.00
GF Value™: €119.85 vs. price of €133.00 (11% above fair value)
GF Score™: 20/100 with 5 warning signs

No single metric tells the full story. See the XTER:CFZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cullen/Frost Bankers Business Description

Industry Financial Services Banks

Comparable Companies

Other Exchanges CFRpB.PFD:USA CFR:USA

Address 111 W. Houston Street, San Antonio, TX, USA, 78205

Website https://www.frostbank.com

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.

20GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€133.00

Price

€119.85

GF Value

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