Cullen/Frost Bankers, Inc. (CFR) stock
CFRTXSENational Commercial BanksFiscal year ends December 31Also trades as CFR.PB
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 10/3028% above fair value
$157.81−0.04 (-0.03%)
Close on Nov 12, 2026Market cap $9.81BP/E 14.6Yield 2.50%
Cullen/Frost Bankers statistics
92 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 28, 2027 (estimated, before the open)
- Last ex-dividend date
- Aug 31, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.47
- 1.52
- P/OCF Ratio
- 12.85
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 1.16
- 2.95
- EV / FCF
- 4.69
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -2.25%
- 0.33%
- Float
- 61M
- 17M
- Shares Held by Insiders
- 1.31%
- 6.05%
- Shares Held by Institutions
- 96.3%
- 61.3%
Short sellingIndustry
- Short Interest
- 4M
- –
- Short Interest Change
- -4.34%
- -4.13%
- Short % of Float
- 6.90%
- 3.58%
- Short % of Shares Outstanding
- 6.81%
- 3.18%
- Days to Cover
- 9.27
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $170.80
- –
- 52-Week Low
- $119.14
- –
- 20-Day Moving Average
- $157.31
- –
- 50-Day Moving Average
- $157.01
- –
- 200-Day Moving Average
- $149.72
- –
- Average True Range (14)
- $3.40
- –
- Price Change (1 Week)
- 0.72%
- 0.69%
- Price Change (1 Month)
- 4.12%
- 3.79%
- Price Change (3 Months)
- -7.21%
- -2.72%
- Price Change (6 Months)
- 16.7%
- 12.2%
- Price Change (YTD)
- 24.6%
- 19.9%
- Price Change (1 Year)
- 26.3%
- 25.7%
- Price Change (3 Years)
- 61.8%
- 65.1%
- Price Change (5 Years)
- 18.8%
- 26.9%
- Price Change (10 Years)
- 88.4%
- 66.8%
- Average Volume (10 Days)
- 471,437
- –
- Average Volume (20 Days)
- 460,930
- –
- Average Volume (90 Days)
- 513,660
- –
- Relative Volume
- 0.78
- 0.68
- Relative Strength Index (14)
- 52.3
- 53.1
- Volatility (1 Year)
- 19.5%
- 24.4%
- Beta (5 Years)
- 0.69
- 0.63
MarginsIndustry
- Pretax Margin
- 35.1%
- 37.0%
- FCF Margin
- 24.8%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 16.3%
- 10.7%
- Return on Assets (ROA)
- 1.29%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 6.61%
- 11.7%
- Net Income Growth (YoY)
- 8.22%
- 22.6%
- EPS Growth (YoY)
- 10.7%
- 21.6%
- FCF Growth (YoY)
- 3569.7%
- 27.2%
- Revenue Growth (3Y CAGR)
- 9.64%
- 5.82%
- Revenue Growth (5Y CAGR)
- 9.17%
- 6.17%
- EPS Growth (3Y CAGR)
- 4.03%
- 1.31%
- EPS Growth (5Y CAGR)
- 14.2%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $388.74K
- $358.92K
- Profits Per Employee
- $114.77K
- $110.51K
- Employee Count
- 6,008
- 492
- WACC
- 8.55%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $819.47M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $7.10B
- $165.09M
- Net Cash Per Share
- $114.22
- $8.07
- Equity (Book Value)
- $3.97B
- $570.13M
- Book Value Per Share
- $63.91
- $28.12
- Tangible Book Value
- $3.97B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$185.19M
- -$4.24M
- FCF Per Share
- $9.30
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 7.03%
- 8.29%
- FCF Yield
- 5.89%
- 9.18%
- Dividend Yield
- 2.50%
- 2.44%
- Buyback Yield
- 2.69%
- 1.82%
- Shareholder Yield
- 5.19%
- 3.26%
- Dividend Per Share
- $3.95
- $0.92
- Dividend Growth (YoY)
- 5.61%
- 4.26%
- Years of Dividend Growth
- 17
- 2
- Payout Ratio
- 37.4%
- 28.5%
- FCF Payout Ratio
- 44.6%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $129.96M
- $16.14M
- Effective Tax Rate
- 15.9%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $124.51
- $45.07
- Graham Upside
- -21.1%
- 18.8%
- Altman Z-Score
- 0.28
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $153.42
- –
- Lynch Upside
- -2.78%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | CFR | S&P 500 | Difference | CFR per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +4.0% | -2.7% | +6.7 pts | ||
| 3 months | -5.5% | -1.7% | −3.7 pts | ||
| Year to date | +27.3% | +11.9% | +15.4 pts | ||
| 1 year | +30.7% | +12.0% | +18.7 pts | ||
| 3 years | +86.4% | +78.2% | +8.2 pts | +23.1% | +21.2% |
| 5 years | +37.8% | +73.2% | −35.4 pts | +6.6% | +11.6% |
| 10 years | +150.9% | +309.6% | −158.7 pts | +9.6% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
4M CFR shares were sold short on Oct 30, 2026, down 4.3% from the previous report, or 6.90% of the shares available to trade. At recent volumes it would take 9.3 days to buy them back. Over the last 20 sessions, 70.7% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 4,234,962 | -4.3% | 457,092 | 9.3 |
| Oct 15, 2026 | 4,426,965 | +0.2% | 413,683 | 10.7 |
| Sep 30, 2026 | 4,416,316 | +9.4% | 555,878 | 7.9 |
| Sep 15, 2026 | 4,036,885 | +4.1% | 493,274 | 8.2 |
| Aug 31, 2026 | 3,877,479 | +17.6% | 441,437 | 8.8 |
| Aug 14, 2026 | 3,297,288 | -17.3% | 571,162 | 5.8 |
| Jul 31, 2026 | 3,986,434 | +5.8% | 713,989 | 5.6 |
| Jul 15, 2026 | 3,767,310 | +4.6% | 509,038 | 7.4 |
| Jun 30, 2026 | 3,602,022 | +1.8% | 678,790 | 5.3 |
| Jun 15, 2026 | 3,538,702 | +14.0% | 641,001 | 5.5 |
| May 29, 2026 | 3,105,144 | +10.2% | 462,581 | 6.7 |
| May 15, 2026 | 2,818,655 | +22.2% | 617,938 | 4.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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