CFR Company Profile and Key Details

Q: Who are the executives of CFR?

Mr. Robert A. BermanChief Executive Officer & DirectorMs. Carole KilpatrickSenior Vice President of Private Client Services for Allen Financial CenterMr. William J. DiFilippoSenior Vice President of Management AccountingMs. Emily A. SkillmanGroup Executive Vice PresidentMr. Jimmy M. SteadGroup Executive Vice President and Chief Consumer Banking Officer & Technology OfficerMs. Annette AlonzoGroup Executive Vice President & Chief HR OfficerMr. Phillip D. GreenChairman & Chief Executive OfficerMr. Paul H. BracherPresMr. Jerry SalinasGroup Executive Vice President & Chief Financial OfficerMs. Candace WolfshohlGroup Executive Vice President of Culture & People Devel.Mr. William L. PerottiGroup Executive Vice President & Chief Credit Officer of Frost BankMr. Patrick B. FrostGroup Executive Vice President & DirectorMr. Coolidge E. Rhodes Jr.Group Executive Vice President, Gen. Counsel & Corporation Sec.Mr. A. B. Mendez C.F.A.Director of Investor Relations

NYSE : CFR

Cullen/Frost Bankers

$138.57

-0.08-0.06%

Open: 4:00 PM

54.8

B-ESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Cullen/Frost Bankers, Inc. (CFR) stock declined over -0.06%, trading at $138.57 on NYSE, down from the previous close of $138.65. The stock opened at $136.98, fluctuating between $136.76 and $139.78 in the recent session.

Stock Snapshot

138.65

Prev. Close

8.76B

Market Cap

136.76

Day Low

13.98

P/E Ratio

9.91

EPS (TTM)

4.99

Cash Flow per Share

136.98

Open

63.2M

Number of Shares

139.78

Day High

91.76%

Free Float in %

57.94

Book Value

386.38K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Apr 02, 2026	137.56	140.01	136.76	138.57	453.28K
Apr 01, 2026	137.86	139.68	137.86	138.65	486.77K
Mar 31, 2026	136.78	139.36	136.46	137.08	386.99K
Mar 30, 2026	134.77	136.23	134.00	135.32	619.9K
Mar 27, 2026	135.67	135.73	133.57	133.70	413.76K
Mar 25, 2026	135.44	137.06	134.12	135.33	366.01K
Mar 24, 2026	132.36	136.59	132.36	134.79	395.07K
Mar 23, 2026	135.16	136.21	133.06	133.60	545.47K
Mar 20, 2026	131.03	132.50	130.23	132.25	1M
Mar 19, 2026	129.27	131.95	128.65	130.98	482.38K
Mar 18, 2026	130.28	131.10	129.00	129.45	495.39K
Mar 17, 2026	133.26	133.53	130.20	130.36	370.46K
Mar 16, 2026	131.66	134.20	131.66	132.00	477.08K
Mar 13, 2026	133.83	134.84	131.69	132.13	428.82K
Mar 12, 2026	131.43	134.20	130.29	132.93	664.59K
Mar 11, 2026	133.30	134.30	132.26	133.40	596.55K
Mar 10, 2026	136.89	136.89	133.22	134.00	699.73K
Mar 09, 2026	134.22	135.79	132.50	134.46	826.77K
Mar 06, 2026	133.54	136.46	132.14	135.36	750.85K
Mar 03, 2026	141.84	142.12	136.37	140.47	712.24K

Contact Details

San Antonio, TX 78205

United States

https://www.frostbank.com 210 220 4011

About Company

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate 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, and foreign exchange services. Further, it acts as a correspondent for approximately 171 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; and holds securities for investment purposes, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 157 financial centers and 1,650 ATMs. The company serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

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Company Overview

Cullen/Frost Bankers, Inc. (NYSE:CFR) closed at $138.57 USD, losing -$0.08 (-0.06%) from the previous close of $138.65. The stock is currently mid-range between its 52-week high and low $100.31 and $148.97. With a market capitalization of about $8.76 billion, Cullen/Frost Bankers, Inc. is classified as a mid-cap and shows lower-than-market volatility (beta ~0.62). Key stats such as the average daily volume over the past year has been around 566.70 thousand shares, volume is running light vs its 52-week average. Headquartered in San Antonio, TX, Cullen/Frost Bankers, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Phillip D. Green, the company employs approximately 5,854 people and listed since March 17, 1980. Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 0.49%, SMA50 4.88%, SMA200 10.75%). The stock’s 14-day RSI is 57.94 (neutral), while the ATR of 3.46 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -3.3% below its high and over 43.6% above its low. Average 10-day trading volume of 445.97 thousand shares is below the 3-month average of 557.61 thousand, indicating normal recent market interest.

Valuation Metrics

Cullen/Frost Bankers, Inc. trades at a P/E ratio of 13.55, slightly below the S&P 500 average, with a price-to-sales ratio of 2.99 and a price-to-book ratio of 1.92 suggesting the stock is closer to book value. The P/FCF stands at 37.75, also below market averages.

Dividend & Fair Value

Cullen/Frost Bankers, Inc. last paid a dividend of 4 per share, this equals a trailing yield of roughly 3.3%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $219.05. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

Cullen/Frost Bankers, Inc. generated EPS of $9.92 over the past year. Five-year average earnings growth is 14.28%. Wall Street analysts project EPS growth of 2.91% annually over the next five years. The latest quarter delivered EPS of $nan. The next quarter is forecast at $2.47. Next year's EPS is expected at -$11.69. Analyst sentiment is neutral. Analyst rating data shows there are 4 Strong Buy ratings, 0 Buy ratings, 11 Hold ratings, 2 Sell rating and 3 Strong Sell ratings. Price targets range from $160.00 to $114.00. The high target offers 15.47% upside. The low target suggests -17.73% downside. The mean target is $143.55. This offers 3.59% upside.

Shareholding & Insider Activity

Cullen/Frost Bankers, Inc. has 64.33 million shares outstanding. The public float is 59.02 million shares, elevated short interest at 5.23% of float. This equals 2.93 million shares. The short ratio is 5.59 days. Institutional investors hold 95.4% of the float. Insiders own 7.64%. ALVAREZ CARLOS holds 294.00 thousand shares, FROST PATRICK B has 210.95 thousand shares and WESTON GRAHAM M has 149.69 thousand shares. Over the past six months, insider transactions show net selling. They sold 1.70 thousand shares across 3 transactions.

Financial & Profitability Overview

Over the trailing twelve months, Cullen/Frost Bankers generated $1.99B in revenue, or $30.85 per share. Gross margin was 111.60%, operating margin 35.85%, and net profit margin 30.09%. Returns are modest, with ROA at 1.18% and ROE at 16.09%.
On valuation metrics, Cullen/Frost Bankers trades at a P/E of 13.55, P/S of 2.99 and P/B of 1.92. Liquidity is tight, with a current ratio of 0.21 and quick ratio of 0.21. Debt-to-equity is 1.04, supported by a cash flow-to-debt ratio of 0.06.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Cullen/Frost Bankers posted revenue of $1.99B, down slightly from $220.38M in the prior quarter. Gross profit was $2.22B (margin 111.60%). Operating income was $712.37M (margin 35.8%). Net income was$597.97M (EPS $9.11).
The company ended the quarter with $17.20B in cash and short-term investments, a total debt of $222.62M, and net debt of - $8.38B. Total assets were $50.85B, with equity of $3.72B. Financials further reflected stability, with operating cash flow of $478.85M, free cash flow of $320.22M, and capital expenditures of - $158.63M.

Price Forecast & Outlook

Our AI price prediction model suggests that Cullen/Frost Bankers, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 4.51%, with price expected at $144.82 by April 16, 2026, within a range of $142.25 to $147.25 3-Month Outlook: Projected rise of 27.57%, reaching $176.78 by July 01, 2026, with a range of $173.73 to $179.99. 1-Year Outlook: Projected gain of 13.05%, with price at $156.65 by April 02, 2027, within a range of $152.93 to $161.01.

Key Takeaways

Cullen/Frost Bankers, Inc. (NYSE:CFR) shares are flat 8.47% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Cullen/Frost Bankers, Inc. trading at a premium to the broader market with a P/E of 13.55. Analyst sentiment is cautious, with the majority of ratings in Underweight territory and a mean price target of $129.79, suggesting -6.34% downside. Our AI forecast model points to short-term strength (4.51% over two weeks), a medium-term rise (27.57% over three months), and a longer-term gain (13.05% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Cullen/Frost Bankers, Inc. (CFR) stock price?

Cullen/Frost Bankers, Inc. (NYSE: CFR) stock price is $138.57 in the last trading session. During the trading session, CFR stock reached the peak price of $139.78 while $136.76 was the lowest point it dropped to. The percentage change in CFR stock occurred in the recent session was -0.06% while the dollar amount for the price change in CFR stock was - $0.08.

CFR's industry and sector of operation?

The NYSE listed CFR is part of Banks - Regional industry that operates in the broader Financial Services sector. Cullen/Frost Bankers, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of CFR?

Mr. Robert A. Berman
Chief Executive Officer & Director
Ms. Carole Kilpatrick
Senior Vice President of Private Client Services for Allen Financial Center
Mr. William J. DiFilippo
Senior Vice President of Management Accounting
Ms. Emily A. Skillman
Group Executive Vice President
Mr. Jimmy M. Stead
Group Executive Vice President and Chief Consumer Banking Officer & Technology Officer
Ms. Annette Alonzo
Group Executive Vice President & Chief HR Officer
Mr. Phillip D. Green
Chairman & Chief Executive Officer
Mr. Paul H. Bracher
Pres
Mr. Jerry Salinas
Group Executive Vice President & Chief Financial Officer
Ms. Candace Wolfshohl
Group Executive Vice President of Culture & People Devel.
Mr. William L. Perotti
Group Executive Vice President & Chief Credit Officer of Frost Bank
Mr. Patrick B. Frost
Group Executive Vice President & Director
Mr. Coolidge E. Rhodes Jr.
Group Executive Vice President, Gen. Counsel & Corporation Sec.
Mr. A. B. Mendez C.F.A.
Director of Investor Relations

How CFR did perform over past 52-week?

CFR's closing price is 38.14% higher than its 52-week low of $100.31 where as its distance from 52-week high of $148.97 is -6.98%.

How many employees does CFR have?

Number of CFR employees currently stands at 5,854.

Link for CFR official website?

Official Website of CFR is: https://www.frostbank.com

How do I contact CFR?

CFR could be contacted at phone 210 220 4011 and can also be accessed through its website. CFR operates from 111 West Houston Street, San Antonio, TX 78205, United States.

How many shares of CFR are traded daily?

CFR stock volume for the day was 386.38K shares. The average number of CFR shares traded daily for last 3 months was 566.7K.

What is the market cap of CFR currently?

The market value of CFR currently stands at $8.76B with its latest stock price at $138.57 and 63.2M of its shares outstanding.

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Employees	5854
Beta	0.62
Sales or Revenue	$1.99B
5Y Sales Change%	0.872%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

CFR Company Profile and Key Details

Cullen/Frost Bankers

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Stock Snapshot

Financial & Profitability Overview

Quarterly Financial Highlights

Technical Performance

Shareholding & Insider Activity

Dividend & Fair Value

Earnings & Analyst Outlook

Company Overview

Price Forecast & Outlook

Key Takeaways

Valuation Metrics