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Last update at 2026-06-08T20:00:00Z
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Cullen/Frost Bankers, Inc. (CFR): Among the Best Mid-Cap Dividend Aristocrats to Invest in Now
Fri 09 May 25, 07:21 AMCullen/Frost Bankers, Inc. (CFR): A Bull Case Theory
Wed 07 May 25, 08:13 PMWhy Cullen/Frost Bankers (CFR) is a Great Dividend Stock Right Now
Tue 06 May 25, 03:45 PMImplied Volatility Surging for Cullen/Frost Stock Options
Mon 05 May 25, 02:53 PMCullen/Frost Bankers' (NYSE:CFR) Dividend Will Be Increased To $1.00
Mon 05 May 25, 10:27 AMCullen/Frost Bankers First Quarter 2025 Earnings: Beats Expectations
Sat 03 May 25, 02:16 PMCullen/Frost Q1 Earnings Beat on Y/Y Rise in NII & Non-Interest Income
Fri 02 May 25, 04:34 PMQ1 2025 Cullen/Frost Bankers Inc Earnings Call
Fri 02 May 25, 10:06 AMCullen/Frost Bankers Inc (CFR) Q1 2025 Earnings Call Highlights: Strong Earnings Growth and ...
Fri 02 May 25, 07:16 AMCompared to Estimates, Cullen/Frost (CFR) Q1 Earnings: A Look at Key Metrics
Thu 01 May 25, 03:00 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 668.83M | 489.54M | 351.32M | 499.47M | 508.68M |
| Minority interest | - | - | - | - | - |
| Net income | 579.15M | 443.08M | 331.15M | 443.60M | 454.92M |
| Selling general administrative | 596.31M | 489.76M | 473.51M | 471.38M | 444.03M |
| Selling and marketing expenses | 39.99M | 34.54M | 34.39M | 38.00M | 32.51M |
| Gross profit | 220.38M | 1371.60M | 1441.45M | 1367.91M | 1309.18M |
| Reconciled depreciation | 0.48M | 0.70M | 64.37M | 54.09M | 50.17M |
| Ebit | 1014.85M | 489.54M | 351.32M | 499.47M | 650.74M |
| Ebitda | 1015.33M | 490.24M | 352.24M | 500.64M | 652.16M |
| Depreciation and amortization | 0.48M | 0.70M | 0.92M | 1.17M | 1.42M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 1014.85M | 489.54M | 351.32M | 499.47M | 601.99M |
| Other operating expenses | 88.61M | -882.05700M | -1090.13400M | -868.43800M | 707.19M |
| Interest expense | 184.44M | 23.90M | 45.03M | 129.78M | 93.31M |
| Tax provision | 89.68M | 46.46M | 20.17M | 55.87M | 53.76M |
| Interest income | 1291.28M | 984.87M | 976.00M | 1133.79M | 1051.20M |
| Net interest income | 1291.28M | 984.87M | 976.00M | 1004.00M | 957.89M |
| Extraordinary items | - | - | - | 0.00000M | 0.23M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 89.68M | 46.46M | 20.17M | 55.87M | 53.76M |
| Total revenue | 220.38M | 1371.60M | 1441.45M | 1367.91M | 1309.18M |
| Total operating expenses | 88.61M | -882.05700M | -1090.13400M | -868.43800M | -707.19100M |
| Cost of revenue | - | - | - | - | 0.00000M |
| Total other income expense net | -346.02700M | -23.90200M | -45.03400M | -129.78000M | -93.30600M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 579.15M | 443.08M | 331.15M | 555.34M | 562.44M |
| Net income applicable to common shares | 572.48M | 435.92M | 323.62M | 435.54M | 446.86M |
| Preferred stock and other adjustments | 6.67M | 7.16M | 2.02M | 8.06M | 8.06M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 50845.04M | 52892.00M | 48897.00M | 40963.00M | 33314.00M |
| Intangible assets | - | 0.39M | 0.87M | 1.56M | 2.48M |
| Earning assets | - | - | 31726.19M | 22167.09M | 16530.22M |
| Other current assets | 8971.10M | 120.53M | 2395.22M | 6971.33M | 3892.10M |
| Total liab | 47128.59M | 49755.00M | 44457.00M | 36670.00M | 29402.00M |
| Total stockholder equity | 3716.45M | 3137.00M | 4440.00M | 4293.00M | 3912.00M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 25984.60M | -866.25700M | -754.32600M | -730.16500M | -545.69000M |
| Common stock | 0.64M | 0.64M | 0.64M | 0.64M | 0.64M |
| Capital stock | 146.10M | 146.09M | 146.09M | 146.09M | 145.13M |
| Retained earnings | 3657.69M | 3309.67M | 2956.97M | 2750.72M | 2667.53M |
| Other liab | - | 324.99M | 299.37M | 318.71M | 177.70M |
| Good will | - | 654.95M | 654.95M | 654.95M | 654.95M |
| Other assets | 32459.06M | 31120.87M | 413.55M | 5542.52M | 3179.11M |
| Cash | 8602.63M | 11820.45M | 16541.02M | 10288.08M | 3431.81M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 30160.69M | 866.26M | 754.33M | 730.16M | 545.69M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -8380.00800M | -11598.05100M | -16318.83300M | -10052.70000M | -3196.64300M |
| Short term debt | 4176.10M | - | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 222.62M | 222.40M | 222.19M | 235.38M | 235.16M |
| Other stockholder equity | 1031.88M | 1029.53M | 989.62M | 883.21M | 831.97M |
| Property plant equipment | - | 1102.69M | 1050.33M | 1045.58M | 1011.95M |
| Total current assets | 17195.94M | 20013.10M | 31078.15M | 21310.20M | 15142.05M |
| Long term investments | 20229.52M | 35199.00M | 30037.52M | 17242.59M | 16672.47M |
| Net tangible assets | - | 2336.44M | 3570.94M | 3491.05M | 3109.75M |
| Short term investments | 16578.37M | 18243.60M | 13924.63M | 10437.57M | 11269.59M |
| Net receivables | - | 1077.94M | 612.50M | 584.56M | 440.65M |
| Long term debt | 222.62M | 222.40M | 222.19M | 235.38M | 235.16M |
| Inventory | - | 0.96M | 3.40M | 0.85M | 1.08M |
| Accounts payable | - | 866.26M | 754.33M | 730.16M | 545.69M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -1119.21900M | -1348.29400M | 347.32M | 512.97M | 267.37M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 0.64M | 0.64M | 0.64M | 0.64M |
| Preferred stock total equity | - | 145.45M | 145.45M | 145.45M | 144.49M |
| Retained earnings total equity | - | 3309.67M | 2956.97M | 2750.72M | 2667.53M |
| Treasury stock | - | - | -20.74400M | -113.93900M | -151.61400M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -20229.51600M | -20910.39500M | -17405.30000M | -14110.27200M | -14992.84100M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1190.03M | 1758.03M | 17405.30M | 14110.27M | 14992.84M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | 222.40M | 222.19M | 235.38M | 235.16M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | -942.75100M | -8179.52400M | -2469.32500M | -1542.58900M | -1188.73500M |
| Change to liabilities | - | 61.14M | 38.82M | 27.15M | -18.38100M |
| Total cashflows from investing activities | - | -8277.33000M | -2525.01500M | -1631.04700M | -1386.75000M |
| Net borrowings | - | 1945.57M | 649.73M | 421.65M | 327.79M |
| Total cash from financing activities | -2876.95000M | 2999.88M | 8170.87M | 7607.48M | 585.06M |
| Change to operating activities | - | 85.55M | 62.33M | 51.08M | 1.74M |
| Net income | 597.97M | 579.15M | 443.08M | 331.15M | 443.60M |
| Change in cash | -3340.85600M | -4554.86800M | 6294.15M | 6500.67M | -167.59800M |
| Begin period cash flow | 12028.13M | 16583.00M | 10288.85M | 3788.18M | 3955.78M |
| End period cash flow | 8687.28M | 12028.13M | 16583.00M | 10288.85M | 3788.18M |
| Total cash from operating activities | 478.85M | 722.58M | 648.29M | 524.24M | 634.09M |
| Issuance of capital stock | - | 0.00000M | 0.00000M | 145.45M | - |
| Depreciation | 76.44M | 71.34M | 69.29M | 64.37M | 54.09M |
| Other cashflows from investing activities | - | 4.70M | 10.16M | 6.96M | 8.70M |
| Dividends paid | 239.00M | 216.46M | 195.94M | 182.60M | 185.07M |
| Change to inventory | 23.57M | - | 23.50M | 23.93M | 20.12M |
| Change to account receivables | -232.66500M | -116.24300M | -46.56000M | -158.26400M | -15.57000M |
| Sale purchase of stock | -42.72000M | -4.39100M | -3.86400M | -165.78500M | -68.79300M |
| Other cashflows from financing activities | -2024.32900M | 3220.73M | 8384.08M | 9060.41M | 838.92M |
| Change to netincome | - | 13.70M | 13.88M | 236.80M | 50.16M |
| Capital expenditures | 158.63M | 102.50M | 65.85M | 95.42M | 206.72M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | -87.23200M | -23.12500M | -243.32000M | 4.26M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | -4554.86800M | 6294.15M | 6500.67M | -167.59800M |
| Change in working capital | -294.08500M | -31.41000M | 15.21M | -107.34300M | -14.03900M |
| Stock based compensation | 24.59M | 18.32M | 12.75M | 13.92M | 15.95M |
| Other non cash items | 88.75M | 90.09M | 100.18M | 237.98M | 126.88M |
| Free cash flow | 320.21M | 620.08M | 582.44M | 428.82M | 427.37M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CFR Cullen/Frost Bankers Inc |
0.69 0.49% | 140.85 | 16.99 | 16.37 | 4.48 | 2.22 | 4.55 |
| HDB HDFC Bank Limited ADR |
-0.4 1.71% | 23.01 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.24 0.79% | 30.71 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
-0.03 0.06% | 50.45 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services, as well as originates commercial leasing services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. The company was founded in 1868 and is headquartered in San Antonio, Texas.
111 West Houston Street, San Antonio, TX, United States, 78205
| Name | Title | Year Born |
|---|---|---|
| Mr. Phillip D. Green | Chairman & CEO | 1955 |
| Mr. Paul H. Bracher | Pres | 1957 |
| Mr. Jerry Salinas | Group Exec. VP & CFO | 1959 |
| Mr. Jimmy M. Stead | Group Exec. VP and Chief Consumer Banking Officer & Technology Officer of Frost Bank | 1976 |
| Mr. A. B. Mendez C.F.A. | Director of Investor Relations | NA |
| Mr. Coolidge E. Rhodes Jr. | Group Exec. VP, Gen. Counsel & Corp. Sec. | NA |
| Ms. Carole Kilpatrick | Sr. VP of Private Client Services for Allen Financial Center | NA |
| Mr. William J. DiFilippo | Sr. VP of Management Accounting | NA |
| Ms. Emily A. Skillman | Group Exec. VP | 1945 |
| Mr. William L. Perotti | Group Exec. VP & Chief Credit Officer of Frost Bank | 1958 |
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