Cullen/Frost Bankers (XTER:CFZ) Total Liabilities: €48,194 Mil (As of Mar. 2026)


XTER:CFZ Cullen/Frost Bankers Inc XTER:CFZ
20 GF Score
Price €133.00
GF Value €120.05
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Cullen/Frost Bankers Total Liabilities?

Cullen/Frost Bankers XTER:CFZ +0.76% 20 Total Liabilities is €48,194 Mil as of Mar. 2026. GuruFocus rates XTER:CFZ with a GF Score™ of 20/100 and a GF Value™ of €120.05 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Cullen/Frost Bankers's Total Liabilities for the quarter that ended in Mar. 2026 was €48,194 Mil.

Cullen/Frost Bankers's quarterly Total Liabilities increased from Sep. 2025 (€48,072.55 Mil) to Dec. 2025 (€48,468.39 Mil) but then declined from Dec. 2025 (€48,468.39 Mil) to Mar. 2026 (€48,193.89 Mil).

Cullen/Frost Bankers's annual Total Liabilities increased from Dec. 2023 (€47,128.59 Mil) to Dec. 2024 (€48,621.67 Mil) but then declined from Dec. 2024 (€48,621.67 Mil) to Dec. 2025 (€48,468.39 Mil).

Cullen/Frost Bankers Total Liabilities Historical Data

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The historical data trend for Cullen/Frost Bankers's Total Liabilities 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 Liabilities Chart

Cullen/Frost Bankers Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 46,438.94 49,755.15 47,128.59 48,621.67 48,468.39

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
Total Liabilities 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 47,890.58 47,209.05 48,072.55 48,468.39 48,193.89
XTER:CFZ
20GF Score
Cullen/Frost Bankers Inc XTER:CFZ
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullen/Frost Bankers Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

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

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=53041.424-4573.036
=48,468

Cullen/Frost Bankers's Total Liabilities for the quarter that ended in Mar. 2026 is calculated as

Total Liabilities=Total Assets (Q: Mar. 2026 )-Total Equity (Q: Mar. 2026 )
=52724.557-4530.669
=48,194

* 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 Liabilities →
What does a Total Liabilities of €48,194 Mil mean?
Cullen/Frost Bankers (XTER:CFZ) has a Total Liabilities of €48,194 Mil as of Mar. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Cullen/Frost Bankers and its competitors.
Is Cullen/Frost Bankers' Total Liabilities too high?
Cullen/Frost Bankers' current Total Liabilities is €48,194 Mil. 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' Total Liabilities compare to ?
Cullen/Frost Bankers' Total Liabilities of €48,194 Mil 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 Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities 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 Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Cullen/Frost Bankers and its competitors. Cullen/Frost Bankers's current Total Liabilities is €48,194 Mil. 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 €120.05, compared to a current price of €133.00 — trading 10.8% above its estimated fair value. The current Total Liabilities is €48,194 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Cullen/Frost Bankers (XTER:CFZ), the current Total Liabilities is €48,194 Mil 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 10.8% above its estimated GF Value™ of €120.05. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for XTER:CFZ:

  • Total Liabilities: €48,194 Mil
  • GF Value™: €120.05 vs. price of €133.00 (10.8% 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

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Other Exchanges CFRpB.PFD:USACFR:USA
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.
20GF Score

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

€133.00
Price
€120.05
GF Value