Cullen/Frost Bankers is a banks - regional business based in the US. Cullen/Frost Bankers shares (CFR) are listed on the NYSE and all prices are listed in US Dollars. Cullen/Frost Bankers employs 5,854 staff and has a trailing 12-month revenue of around $2.1 billion.
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Cullen/Frost Bankers stock price (NYSE: CFR)
Use our graph to track the performance of CFR stocks over time.
Is it a good time to buy Cullen/Frost Bankers stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Is Cullen/Frost Bankers stock undervalued or overvalued?
Valuing Cullen/Frost Bankers stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Cullen/Frost Bankers's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Cullen/Frost Bankers's P/E ratio
Cullen/Frost Bankers's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, Cullen/Frost Bankers shares trade at around 13x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Cullen/Frost Bankers's PEG ratio
Cullen/Frost Bankers's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 3.8314. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Cullen/Frost Bankers's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
Cullen/Frost Bankers financials
Revenue TTM
$2.1 billion
Operating margin TTM
38.24%
Gross profit TTM
$2.1 billion
Return on assets TTM
1.23%
Return on equity TTM
14.83%
Profit margin
29.75%
Book value
$67.64
Market Capitalization
$8 billion
TTM: trailing 12 months
Cullen/Frost Bankers's environmental, social and governance track record
Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Cullen/Frost Bankers.
When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.
Cullen/Frost Bankers's total ESG risk score
Total ESG risk: 32.31
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Cullen/Frost Bankers's overall score of 32.31 (as at 12/31/2018) is nothing to write home about – landing it in it in the 46th percentile of companies rated in the same sector.
ESG scores are increasingly used to estimate the level of risk a company like Cullen/Frost Bankers is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).
Cullen/Frost Bankers's environmental score
Environmental score: 5.37/100
Cullen/Frost Bankers's environmental score of 5.37 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Cullen/Frost Bankers is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.
Cullen/Frost Bankers's social score
Social score: 17.22/100
Cullen/Frost Bankers's social score of 17.22 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Cullen/Frost Bankers is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.
Cullen/Frost Bankers's governance score
Governance score: 19.21/100
Cullen/Frost Bankers's governance score puts it squarely in the 7th percentile of companies rated in the same sector. That could suggest that Cullen/Frost Bankers is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.
Cullen/Frost Bankers's controversy score
Controversy score: 1/5
ESG scores also evaluate any incidences of controversy that a company has been involved in. Cullen/Frost Bankers scored a 1 out of 5 for controversy – the highest score possible, reflecting that Cullen/Frost Bankers has managed to keep its nose clean.
Environmental, social, and governance (ESG) summary
Cullen/Frost Bankers Inc was last rated for ESG on: 2019-01-01.
Total ESG score
32.31
Total ESG percentile
45.65
Environmental score
5.37
Environmental score percentile
7
Social score
17.22
Social score percentile
7
Governance score
19.21
Governance score percentile
7
Level of controversy
1
Cullen/Frost Bankers share dividends
Dividend payout ratio: 40.64% of net profits
Recently Cullen/Frost Bankers has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Cullen/Frost Bankers shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Cullen/Frost Bankers's case, that would currently equate to about $3.9 per share.
While Cullen/Frost Bankers's payout ratio might seem fairly standard, it's worth remembering that Cullen/Frost Bankers may be investing much of the rest of its net profits in future growth.
Cullen/Frost Bankers's most recent dividend payout was on 14 December 2025. The latest dividend was paid out to all shareholders who bought their shares by 27 November 2025 (the "ex-dividend date").
Have Cullen/Frost Bankers's shares ever split?
Cullen/Frost Bankers's shares were
split on a 2:1 basis on 22 June 1999
. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Cullen/Frost Bankers shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Cullen/Frost Bankers shares which in turn could have impacted Cullen/Frost Bankers's share price.
Cullen/Frost Bankers share price volatility
Over the last 12 months, Cullen/Frost Bankers's shares have ranged in value from as little as $98.7724 up to $143.1914. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Cullen/Frost Bankers's is 0.63. This would suggest that Cullen/Frost Bankers's shares are less volatile than average (for this exchange).
Cullen/Frost Bankers overview
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. 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.
Frequently asked questions
null What percentage of Cullen/Frost Bankers is owned by insiders or institutions? Currently 7.699% of Cullen/Frost Bankers shares are held by insiders and 92.43% by institutions.How many people work for Cullen/Frost Bankers? Latest data suggests 5,854 work at Cullen/Frost Bankers.When does the fiscal year end for Cullen/Frost Bankers? Cullen/Frost Bankers's fiscal year ends in December.Where is Cullen/Frost Bankers based? Cullen/Frost Bankers's address is: 111 West Houston Street, San Antonio, TX, United States, 78205What is Cullen/Frost Bankers's ISIN number? Cullen/Frost Bankers's international securities identification number is: US2298991090What is Cullen/Frost Bankers's CUSIP number? Cullen/Frost Bankers's Committee on Uniform Securities Identification Procedures number is: 229899109
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