Cullen/Frost Bankers Inc. (CFR) — Analysis Summary
Cullen/Frost Bankers Inc. (CFR) has a market cap of $10.05B with year-over-year revenue growth of +8.2%. Net margin stands at 37.4%. The stock trades at a P/E ratio of 14.7.
Key Takeaways
- Revenue changed +8.2% year-over-year
- Net margin of 37.4%
- P/E ratio of 14.7
Compared to other companies in the NATIONAL COMMERCIAL BANKS sector, CFR posted revenue growth of +8.2% and trades at a P/E of 14.7.
Cullen/Frost Bankers Inc. (CFR)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Interest coverage at 0.0x — earnings do not cover interest payments
Cullen/Frost is a regional US bank with around $54 billion in assets (as of June 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.
Sector
NATIONAL COMMERCIAL BANKS
Employees
6,008
Headquarters
SAN ANTONIO, TX
Exchange
XNYS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$4.12
Dividend Yield
2.55%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.