C

    Cullen/Frost Bankers Inc (CFR)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $160.94
    -0.75 (-0.46%)

    Market Cap: $10.00B

    Last updated: Sep 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    95%(38/40)
    Avg Surprise
    +8.59%
    Streak
    9 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$2.80
    Range$2.69 - $2.92
    11 analysts
    EPS Revisions
    11
    0
    7d
    10
    1
    30d
    EPS Estimate Drift
    90d ago$2.68-4.2%
    60d ago$2.68-4.1%
    30d ago$2.70-3.6%
    7d ago$2.80+0.0%
    Current$2.80
    Revenue Consensus
    $609M
    Range$591M - $622M
    9 analysts
    Period ending Dec 31, 2026
    EPS Consensus$3.13
    Range$2.94 - $3.39
    12 analysts
    Revenue Consensus
    $629M
    Range$577M - $676M
    11 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$3.13---
    Sep 26EST
    		-$2.80---
    Jun 26
    Reported Jul 30
    		$2.70$2.53+6.72%Beat+13.0%
    Mar 26
    Reported Apr 30
    		$2.65$2.49+6.43%Beat+15.2%
    Dec 25
    Reported Jan 29
    		$2.80$2.45+14.29%Beat+18.6%
    Sep 25
    Reported Oct 30
    		$2.67$2.38+12.18%Beat+19.2%
    Jun 25
    Reported Jul 31
    		$2.39$2.31+3.46%Beat+8.1%
    Mar 25
    Reported May 1
    		$2.30$2.17+5.99%Beat+11.7%
    Dec 24
    Reported Jan 30
    		$2.36$2.17+8.76%Beat+8.3%
    Sep 24
    Reported Oct 31
    		$2.24$2.17+3.23%Beat-5.9%
    Jun 24
    Reported Jul 25
    		$2.21$2.07+6.76%Beat-10.5%
    Mar 24
    Reported Apr 25
    		$2.06$2.14-3.74%Miss-23.7%
    Dec 23
    Reported Jan 25
    		$2.18$2.09+4.31%Beat-25.1%
    Sep 23
    Reported Oct 26
    		$2.38$2.15+10.70%Beat-8.1%
    Jun 23
    Reported Jul 27
    		$2.47$2.40+2.92%Beat+36.5%
    Mar 23
    Reported Apr 27
    		$2.70$2.55+5.88%Beat+80.0%
    Dec 22
    Reported Jan 26
    		$2.91$2.76+5.43%Beat+89.0%
    Sep 22
    Reported Oct 27
    		$2.59$2.23+16.14%Beat+57.0%
    Jun 22
    Reported Jul 28
    		$1.81$1.77+2.26%Beat+0.6%
    Mar 22
    Reported Apr 28
    		$1.50$1.48+1.35%Beat-15.3%
    Dec 21
    Reported Jan 27
    		$1.54$1.34+14.93%Beat+11.6%
    Sep 21
    Reported Oct 28
    		$1.65$1.52+8.55%Beat+10.0%
    Jun 21
    Reported Jul 29
    		$1.80$1.56+15.38%Beat+22.4%
    Mar 21
    Reported Apr 29
    		$1.77$1.44+22.92%Beat+48.7%
    Dec 20
    Reported Jan 28
    		$1.38$1.29+6.98%Beat-13.8%
    Sep 20
    Reported Oct 29
    		$1.50$1.20+25.00%Beat-13.3%
    Jun 20
    Reported Jul 30
    		$1.47$0.83+77.11%Beat-14.5%
    Mar 20
    Reported Apr 30
    		$1.19$1.23-3.25%Miss-33.5%
    Dec 19
    Reported Jan 30
    		$1.60$1.57+1.91%Beat-12.1%
    Sep 19
    Reported Oct 31
    		$1.73$1.69+2.37%Beat-2.8%
    Jun 19
    Reported Jul 25
    		$1.72$1.72+0.00%Beat+2.4%
    Mar 19
    Reported Apr 25
    		$1.79$1.75+2.29%Beat+11.2%
    Dec 18
    Reported Jan 31
    		$1.82$1.75+4.00%Beat+14.5%
    Sep 18
    Reported Oct 25
    		$1.78$1.72+3.49%Beat+26.2%
    Jun 18
    Reported Jul 26
    		$1.68$1.63+3.07%Beat+30.2%
    Mar 18
    Reported Apr 26
    		$1.61$1.49+8.05%Beat+25.8%
    Dec 17
    Reported Jan 25
    		$1.59$1.40+13.57%Beat+24.2%
    Sep 17
    Reported Oct 26
    		$1.41$1.31+7.63%Beat+13.7%
    Jun 17
    Reported Jul 27
    		$1.29$1.29+0.00%Beat-
    Mar 17
    Reported Apr 26
    		$1.28$1.22+4.92%Beat-
    Dec 16
    Reported Jan 25
    		$1.28$1.22+4.92%Beat-
    Sep 16
    Reported Oct 26
    		$1.24$1.16+6.90%Beat-

    Dividends

    Dividend Metrics

    Yield2.52%
    Annual/Share$4.06
    Payout Ratio36.91%
    Frequency4
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+6.83%
    5Y CAGR+6.75%
    View CFR's full dividend history

    Key Metrics

    Valuation
    P/E Ratio14.87EV/EBITDAN/A
    Price/FCF18.47xFCF Yield5.41%
    Profitability
    Profit Margin30.20%Operating Margin37.20%
    ROE15.50%ROIC7.02%
    Financial Health
    Debt/Equity1.11xInterest Coverage1.29x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.52Avg Volume500.23K
    52-Week High$169.7152-Week Low$115.60

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$163.61
    SMA 20$165.31
    SMA 50$161.45
    SMA 200$141.67
    EMA 10$163.29
    EMA 20$163.91
    EMA 50$160.14
    EMA 200$145.38

    MACD

    Line: 0.07Signal: 1.15Hist: -1.08

    ADX

    ADX: 19.5+DI: 12.6-DI: 26.9

    Aroon & PSAR

    Aroon Up60.0
    Aroon Down100.0
    PSAR$168.63

    Bollinger Bands

    Upper Band$170.37
    Lower Band$160.25
    %B Position612%(Upper)
    Band Width0.07

    RSI (14-Day)

    Neutral
    41.5

    Momentum Oscillators

    Stoch %K11.8
    Stoch %D11.5
    Williams %R-87.7
    ROC (10d)-4.2%
    Momentum-7.13
    CCI (20d)-162.9
    MFI (14d)38.8

    Volatility Measures

    ATR (14d)$2.98(1.9%)
    StdDev (20d)2.53
    Hist Vol11.7%(Low)

    Volume Flow

    VWAP$160.65
    OBV5.3M
    AD Line-164.4M
    CMF (20d)-0.185

    Volume Metrics

    Avg Vol (20d)487.1K
    Vol Ratio1.1x
    VWMA (20d)$165.37

    Pivot Points

    R3$163.63
    R2$163.11
    R1$162.40
    Pivot Point$161.88
    S1$161.16
    S2$160.64
    S3$159.93

    Advanced Oscillators

    TSI1.15
    Ultimate Osc33.4
    KST12.96

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$576.01M$574.84M$580.87M$567.26M$546.88M$540.23M$536.34M$518.04M$507.90M$501.43M$501.90M$491.42M
    Cost of RevenueN/A$6.75M$176.27M$185.08M$185.48M$181.97M$203.34M$223.21M$215.36M$209.10M$206.91M$186.83M
    Gross ProfitN/A$568.09M$569.65M$560.49M$533.75M$527.16M$520.18M$498.65M$492.12M$487.78M$485.92M$480.24M
    Operating Expenses$361.70M$365.69M$371.67M$352.48M$347.13M$348.07M$336.17M$323.41M$316.96M$326.22M$365.22M$293.26M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$202.41M$197.98M$208.01M$186.62M$179.09M$184.01M$175.24M$175.15M$161.56M$120.70M$186.98M
    Interest Income$594.76M$577.97M$613.57M$620.11M$601.96M$585.12M$600.69M$608.16M$596.28M$585.50M$579.08M$561.11M
    Interest Expense$147.03M$139.44M$164.86M$178.49M$172.35M$168.90M$187.18M$203.83M$199.57M$195.45M$190.93M$175.69M
    Income Before Tax$204.54M$202.41M$197.98M$208.01M$186.62M$179.09M$184.01M$175.24M$175.15M$161.56M$120.70M$186.98M
    Income Tax Expense$32.48M$31.42M$31.73M$33.63M$29.62M$28.17M$29.16M$28.74M$29.65M$25.87M$18.15M$31.33M
    Net Income$172.06M$170.99M$166.25M$174.38M$157.00M$150.92M$154.85M$146.50M$145.50M$135.69M$102.55M$155.65M
    EBITDA$226.40M$228.39M$230.49M$239.02M$218.64M$210.93M$215.05M$206.75M$207.15M$195.04M$154.16M$219.86M
    EBIT$204.54M$202.41M$197.98M$208.01M$186.62M$179.09M$184.01M$175.24M$175.15M$161.56M$120.70M$186.98M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Behavioral Patterns of CFR and Institutional Flows

    This article analyzes Cullen/Frost Bankers Inc. (NYSE: CFR) using AI models to provide insights into its behavioral patterns and institutional flows. It highlights a mid-channel oscillation pattern, a strong risk-reward setup, and divergent sentiment across different time horizons. The analysis includes specific trading strategies for various risk profiles, featuring entry zones, targets, and stop losses for long, breakout, and short positions.

    Stock Traders Daily•8/29/26•
    Neutral

    Frost Bank Teams with Blend to Speed Up Account Opening and Boost Completion Rates by 60%

    Frost Bank partnered with Blend to modernize its digital deposit account application process, resulting in a 60% increase in application completions and an 80% reduction in manual reviews. This collaboration, which began with lending products, has streamlined operations, improved customer experience, and boosted Net Promoter Scores for the bank. Frost Bank aims to continuously refine the customer journey using insights from Blend's platform.

    FinancialContent•8/18/26•
    Bullish

    Cullen/Frost posts Q2 2026 investor presentation highlighting Texas expansion, asset quality

    Cullen/Frost (CFR) released its Q2 2026 investor presentation, detailing significant expansion in Texas with 62% branch growth since 2018, leading to substantial increases in loans and deposits. The company reported a strong balance sheet with $53.9 billion in total assets and good asset quality, including a low non-accrual rate on CRE loans and strong reserve coverage. The presentation also highlighted a high-quality securities portfolio with a solid yield and manageable duration.

    TradingView•8/17/26•
    Bullish

    Form 8K Cullen/Frost Bankers Inc For: 17 August By Investing.com

    This article announces that Cullen/Frost Bankers Inc. filed a Form 8K on August 17. The Form 8K is a mandatory filing by public companies in the United States to announce major events that shareholders should know about. No specific details about the content of the 8K filing are provided within this brief notice.

    Investing.com South Africa•8/17/26•
    Neutral

    Cullen/Frost (NYSE: CFR) highlights 15-year return ahead of S&P

    Cullen/Frost Bankers, Inc. (NYSE: CFR) has released an investor presentation highlighting its strong financial position and growth strategy in Texas. The company reported $53.9 billion in total assets and a 15-year total return of 325.2%, significantly outperforming the S&P 500 and the S&P Regional Bank Index. CFR emphasizes its relationship-focused banking model, extensive branch network across Texas, and ongoing digital investments to drive organic growth.

    Stock Titan•8/17/26•
    Bullish

    Frequently Asked Questions About CFR

    What is CFR's current dividend yield?
    Cullen/Frost Bankers Inc (CFR) has a current dividend yield of 2.52%.
    Does CFR pay dividends?
    Yes, Cullen/Frost Bankers Inc pays dividends with a current yield of 2.52%.
    What is CFR's P/E ratio?
    Cullen/Frost Bankers Inc has a price-to-earnings (P/E) ratio of 14.87.
    What is CFR's market cap?
    Cullen/Frost Bankers Inc (CFR) has a market capitalization of $10.00B with a current stock price of $160.94.

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