CFR (Cullen/Frost Bankers) Total Debt per Share: $3.55 (As of Mar. 2026)

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CFR Cullen/Frost Bankers Inc CFR
73 GF Score
Price $163.49
GF Value $137.40
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Cullen/Frost Bankers Total Debt per Share?

Cullen/Frost Bankers CFR -2.06% 73 Total Debt per Share is $3.55 as of Mar. 2026. GuruFocus rates CFR with a GF Score™ of 73/100 and a GF Value™ of $137.40 (Modestly Overvalued). The stock has 7 warning signs investors should review.

$3.55 (As of Mar. 2026)

Total Debt per Share is calculated as total debt divided by Shares Outstanding (EOP). Total debt is calculated as Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Cullen/Frost Bankers's Total Debt Per Share for the quarter that ended in Mar. 2026 was $3.55.

Cullen/Frost Bankers Total Debt per Share Historical Data

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The historical data trend for Cullen/Frost Bankers's Total Debt per Share 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 Total Debt per Share Chart

Cullen/Frost Bankers Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Debt per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.47 3.46 3.47 3.47 3.52

Cullen/Frost Bankers Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Debt per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.47 3.47 3.50 3.52 3.55
CFR
73GF Score
Cullen/Frost Bankers Inc CFR
Total Debt per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullen/Frost Bankers Total Debt per Share Calculation

Cullen/Frost Bankers's Total Debt Per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(223+0)/63
=3.52

Cullen/Frost Bankers's Total Debt Per Share for the quarter that ended in Mar. 2026 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(223+0)/63
=3.55

* 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.

Frequently Asked Questions Learn more about Total Debt per Share →
What does a Total Debt per Share of $3.55 mean?
Cullen/Frost Bankers (CFR) has a Total Debt per Share of $3.55 as of Mar. 2026. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on Cullen/Frost Bankers and its competitors.
Is Cullen/Frost Bankers' Total Debt per Share too high?
Cullen/Frost Bankers' current Total Debt per Share is $3.55. 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' Total Debt per Share compare to SSB and ONB?
Cullen/Frost Bankers' Total Debt per Share of $3.55 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 Total Debt per Share for a Banks company?
A good Total Debt per Share depends on the Banks industry context. However, Total Debt per Share 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 Total Debt per Share mean?
A high Total Debt per Share can signal that a stock is expensive relative to its fundamentals. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on Cullen/Frost Bankers and its competitors. Cullen/Frost Bankers's current Total Debt per Share is $3.55. 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 $137.40, compared to a current price of $163.49 — trading 19% above its estimated fair value. The current Total Debt per Share is $3.55. Cullen/Frost Bankers' overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Debt per Share calculated?
Total Debt per Share is calculated from a company's financial statements. For Cullen/Frost Bankers (CFR), the current Total Debt per Share is $3.55 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 (CFR) Overvalued in 2026?

Based on GuruFocus' analysis, Cullen/Frost Bankers stock appears to be overvalued. The current stock price of $163.49 is trading 19% above its estimated GF Value™ of $137.40. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for CFR:

  • Total Debt per Share: $3.55
  • GF Value™: $137.40 vs. price of $163.49 (19% above fair value)
  • GF Score™: 73/100 with 7 warning signs

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 Bankers Business Description

Other Exchanges CFRpB.PFD:USACFZ:Germany
Address 111 W. Houston Street, San Antonio, TX, USA, 78205
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

Get the complete analysis for CFR

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

$163.49
Price
$137.40
GF Value