CULLEN/FROST BANKERS, INC.
CFRNYSE
$161.65
↓ -1.1%Jul 17 close · end-of-day
Price
1Y↑ +22.8%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$10.2B
Enterprise Value
$10.2B
P/E
15.7
P/S
4.5
P/B
2.3
EV/EBITDA
—
PEG
3.9
FCF Yield
6.5%
Dividend Yield
2.5%
Revenue (TTM)
$2.3B
Net Income (TTM)
$668.6M
Free Cash Flow (TTM)
$663.1M
Gross Margin
—
Operating Margin
—
Net Margin
29.5%
ROE
14.8%
ROIC
—
Debt / Equity
—
Net Cash
—
Return 1Y
+20.3%
Company profile
Cullen/Frost Bankers, Inc. operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients. It operates approximately 157 financial centers and 1,650 ATMs.
- CEO
- Phillip D. Green
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 4,980
- Headquarters
- Texas
- Website
- frostbank.com
Management & directors
- Severyn Carol JeanGEVP and Chief Risk Officer
- Rhodes Coolidge E JrGroup EVP General Counsel/Sec
- Green Phillip DChairman and CEO
- Alonzo Annette MGEVP Chief HR Officer
- Berman BobbyGEVP Research & Strategy
- Bracher PaulPresident of CFR
- Kasanoff Howard L.GEVP Chief Credit Officer
- Stead JimmyGEVP Chief Consumer Banking
- Pullin Ericka LynnGEVP, Culture & People Dev.
- Geddes DanGEVP & Chief Financial Officer
- Henson Matthew BradleyChief Accounting Officer
Roles derived from SEC Form 4 filings.
Earnings
CFR Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$574.8M↑ +6.4%
Diluted EPS$2.65↑ +15.2%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $1.4B | $1.4B | $1.7B | $2.0B | $2.1B | $2.2B |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $331.2M | $443.1M | $579.1M | $598.0M | $582.5M | $648.6M |
| Diluted EPS | $5.10 | $6.76 | $8.81 | $9.10 | $8.87 | $9.92 |
| Operating cash flow | $524.2M | $648.3M | $722.6M | $478.8M | $989.5M | $274.0M |
| Free cash flow | $428.8M | $582.4M | $620.1M | $320.2M | $861.8M | $127.3M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 23.0% | 32.3% | 34.1% | 30.1% | 28.2% | 29.0% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $507.9M | $518.0M | $536.3M | $540.2M | $546.9M | $567.3M | $580.9M | $574.8M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $145.5M | $146.5M | $154.9M | $150.9M | $157.0M | $174.4M | $166.3M | $171.0M |
| Diluted EPS | $2.21 | $2.24 | $2.36 | $2.30 | $2.39 | $2.67 | $2.56 | $2.65 |
| Operating cash flow | $129.6M | $307.2M | $64.3M | -$296.1M | $140.8M | $248.6M | $180.7M | $237.3M |
| Free cash flow | $103.0M | $281.9M | $26.7M | -$337.1M | $114.5M | $211.7M | $138.2M | $198.7M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 28.6% | 28.3% | 28.9% | 27.9% | 28.7% | 30.7% | 28.6% | 29.7% |
Company news
Jul 13, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-12 | Severyn Carol Jean· GEVP and Chief Risk Officer | Sale | 837 | $148.29 | $124,119.57 | filing |
| 2026-03-09 | EDWARDS CRAWFORD H | Gift | 750 | $0.00 | $0.00 | filing |
| 2026-03-06 | Rhodes Coolidge E JR· Group EVP General Counsel/Sec | J | 700 | $127.00 | $88,900.00 | filing |
| 2026-03-06 | Rhodes Coolidge E JR· Group EVP General Counsel/Sec | J | 700 | — | — | filing |
| 2026-02-10 | GREEN PHILLIP D· Chairman and CEO | Gift | 912 | $0.00 | $0.00 | filing |
| 2026-02-05 | GREEN PHILLIP D· Chairman and CEO | D | 3,601 | $143.60 | $517,103.60 | filing |
| 2026-02-05 | Bracher Paul· President of CFR | D | 940 | $143.60 | $134,984.00 | filing |
| 2026-02-05 | Stead Jimmy· GEVP Chief Consumer Banking | D | 885 | $143.60 | $127,086.00 | filing |
| 2026-02-05 | Rhodes Coolidge E JR· Group EVP General Counsel/Sec | D | 716 | $143.60 | $102,817.60 | filing |
| 2026-02-05 | Severyn Carol Jean· GEVP and Chief Risk Officer | D | 700 | $143.60 | $100,520.00 | filing |
| 2026-02-05 | Alonzo Annette M· GEVP Chief HR Officer | D | 690 | $143.60 | $99,084.00 | filing |
| 2026-02-05 | Berman Bobby· GEVP Research & Strategy | D | 549 | $143.60 | $78,836.40 | filing |
| 2026-02-05 | Kasanoff Howard L.· GEVP Chief Credit Officer | D | 393 | $143.60 | $56,434.80 | filing |
| 2026-02-05 | Kasanoff Howard L.· GEVP Chief Credit Officer | Award | 882 | $0.00 | $0.00 | filing |
| 2026-02-05 | Alonzo Annette M· GEVP Chief HR Officer | Award | 1,638 | $0.00 | $0.00 | filing |
| 2026-02-05 | Berman Bobby· GEVP Research & Strategy | Award | 1,293 | $0.00 | $0.00 | filing |
| 2026-02-05 | Bracher Paul· President of CFR | Award | 2,299 | $0.00 | $0.00 | filing |
| 2026-02-05 | GREEN PHILLIP D· Chairman and CEO | Award | 9,124 | $0.00 | $0.00 | filing |
| 2026-02-05 | Rhodes Coolidge E JR· Group EVP General Counsel/Sec | Award | 1,724 | $0.00 | $0.00 | filing |
| 2026-02-05 | Severyn Carol Jean· GEVP and Chief Risk Officer | Award | 1,681 | $0.00 | $0.00 | filing |
| 2026-02-05 | Stead Jimmy· GEVP Chief Consumer Banking | Award | 2,155 | $0.00 | $0.00 | filing |
| 2026-01-30 | Berman Bobby· GEVP Research & Strategy | Sale | 1,000 | $137.07 | $137,070.00 | filing |
| 2025-12-12 | Pullin Ericka Lynn· GEVP, Culture & People Dev. | Sale | 0 | $129.73 | $43.46 | filing |
| 2025-12-09 | Rhodes Coolidge E JR· Group EVP General Counsel/Sec | Sale | 700 | $127.00 | $88,900.00 | filing |
| 2025-12-09 | Rhodes Coolidge E JR· Group EVP General Counsel/Sec | Gift | 495 | $0.00 | $0.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.