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Cullen/Frost

NYQ:CFR · US2298991090
BanksSmall

360

39
Profit price41
Cash yield57
Price/Sales23
EV / Gross Profit85
Price/Book3
Returns on capital94
Profit margins—
Cash Conversion70
Accruals60
Owner Earnings Margin18
Sales growth8
Profit Growth94
Long-Term EPS Growth5
Owner Earnings Growth29
Reinvestment78
Price momentum12
Debt load86
Debt serviceability89
Liquidity89
Analyst ratings3
Opinion Changes66
Price Target Upside25
Market mood77
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Cullen/Frost generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded1966
Employees3,829
Websitefrostbank.com
ISINUS2298991090
Last UpdateApr 2, 2026
Indices
S&P MIDCAP (USA)D.J. US Regional Banks

Description

Cullen/Frost Bankers, Inc. operates as a bank holding company for Frost Bank that provides a broad array of banking and financial products and services throughout numerous Texas markets. The company offers commercial and consumer banking services, a…

Analysis

Beloved champion

Cullen/Frost Bankers, Inc. is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is fair. You pay 15.9× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone. At today's price, the market is assuming roughly 3% yearly growth; analysts expect 4%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is sturdy. The company scores 17/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
66
2023202420252026

All-time high

66

Jun 2026

All-time low

1

Sep 2025

Average rank

17

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
23
11
31
9
Price/Earnings
5
11
43
3
Price/Book
3
5
5
9
Dividend Yield
57
48
57
31
Value (overall)
12
16
23
1

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →