Cullen/Frost BankersCFR +1.10%72 5-Year Yield-on-Cost % is 3.66 as of Jul. 12, 2026, which is 7% below its 10-year median of 3.95. GuruFocus rates CFR with a GF Score™ of 72/100 and a GF Value™ of $136.84 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,253 Banks companies, Cullen/Frost Bankers ranks worse than 53.71% on this metric.
Cullen/Frost Bankers's yield on cost for the quarter that ended in Mar. 2026 was 3.66.
The historical rank and industry rank for Cullen/Frost Bankers's 5-Year Yield-on-Cost % or its related term are showing as below:
CFR'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.73 Med: 3.95 Max: 7.51
Current: 3.66
During the past 13 years, Cullen/Frost Bankers's highest Yield on Cost was 7.51. The lowest was 2.73. And the median was 3.95.
CFR's 5-Year Yield-on-Cost % is ranked worse than 53.71% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs CFR: 3.66
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Cullen/Frost Bankers 5-Year Yield-on-Cost % Related Terms
CFR vs SSB, ONB, ZION: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Cullen/Frost Bankers's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Cullen/Frost Bankers's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Cullen/Frost Bankers's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Cullen/Frost Bankers (CFR) has a 5-Year Yield-on-Cost % of 3.66 as of Jul. 12, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Cullen/Frost Bankers and its competitors. This is near median its historical median of 3.95. Over the past decade, Cullen/Frost Bankers' 5-Year Yield-on-Cost % has ranged from 2.73 to 7.51. According to the industry distribution chart, Cullen/Frost Bankers ranks #673 out of 1253 companies in the Banks industry, placing it in the top 53.7%.
Is Cullen/Frost Bankers' 5-Year Yield-on-Cost % too high?
Cullen/Frost Bankers' current 5-Year Yield-on-Cost % of 3.66 is near median its 10-year median of 3.95. Over the past 10 years, this metric has ranged from a low of 2.73 to a high of 7.51. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Cullen/Frost Bankers' value of 3.66 is 5.9% below this industry median. Based on the distribution chart, Cullen/Frost Bankers ranks #673 out of 1253 companies in the Banks industry, which is below the industry midpoint. Overall, Cullen/Frost Bankers has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cullen/Frost Bankers' 5-Year Yield-on-Cost % compare to SSB and ONB?
According to the Banks industry distribution chart, Cullen/Frost Bankers ranks #673 out of 1253 companies for 5-Year Yield-on-Cost %. This places Cullen/Frost Bankers in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Cullen/Frost Bankers' value of 3.66 is 5.9% below this benchmark. Historically, Cullen/Frost Bankers' own 5-Year Yield-on-Cost % has ranged from 2.73 to 7.51 over the past decade. While the company's 10-year median is 3.95 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,253 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cullen/Frost Bankers's current 5-Year Yield-on-Cost % of 3.66 is 5.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Cullen/Frost Bankers and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullen/Frost Bankers's current 5-Year Yield-on-Cost % is 3.66, which is near median its own 10-year median of 3.95. 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 $136.84, compared to a current price of $156.86 — trading 14.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.66, which is near median its 10-year median of 3.95 and 5.9% below the Banks industry median of 3.89. Cullen/Frost Bankers' overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Cullen/Frost Bankers (CFR), the current 5-Year Yield-on-Cost % is 3.66 as of Jul. 12, 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 $156.86 is trading 14.6% above its estimated GF Value™ of $136.84.
GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.
Key valuation signals for CFR:
5-Year Yield-on-Cost %: 3.66 (near median its 10-year median of 3.95)
GF Value™: $136.84 vs. price of $156.86 (14.6% above fair value)
Industry Position: 5.9% below the Banks median (#673 of 1253)
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.
72GF Score
Get the complete analysis for CFR
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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