CULLEN/FROST BANKERS, INC. CFR

Latest FY: 2025 Financial Services Banks - Regional
Market Price $162.97
Market Cap $10.23B
P/E Ratio 16.43
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑8.3% YoY
$2.24B
3-Yr CAGR: 9.6%
Net Income ↑11.3% YoY
$648.56M
Net Margin: 29.0%
Free Cash Flow ↓-85.2% YoY
$127.33M
FCF Yield: 1.24%
EPS (Diluted) ↑11.8% YoY
$9.92
Basic: $9.92
Return on Equity Efficiency
14.2%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CFR)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,126.0M $1,114.0M $304.3M $4.70 $1.34 1.52% $437.8M $384.2M
FY 2017 $1,202.9M +6.8% $1,176.4M $364.1M +19.7% $5.51 +17.2% $1.34 1.42% $538.1M $504.0M +31.2%
FY 2018 $1,309.2M +8.8% $1,215.9M $454.9M +24.9% $6.90 +25.2% $1.34 1.52% $562.4M $483.1M -4.1%
FY 2019 $1,367.9M +4.5% $1,238.1M $443.6M -2.5% $6.84 -0.9% $1.34 1.37% $634.1M $427.4M -11.5%
FY 2020 $1,441.5M +5.4% $1,396.4M $331.2M -25.3% $5.10 -25.4% $0.34 0.39% $524.2M $428.8M +0.3%
FY 2021 $1,371.6M -4.8% $1,347.7M $443.1M +33.8% $6.76 +32.5% $2.95 2.34% $648.3M $582.4M +35.8%
FY 2022 $1,696.1M +23.7% $1,511.7M $579.1M +30.7% $8.81 +30.3% $3.25 2.43% $722.6M $620.1M +6.5%
FY 2023 $1,987.2M +17.2% $1,328.2M $598.0M +3.3% $9.10 +3.3% $3.61 3.32% $478.8M $320.2M -48.4%
FY 2024 $2,063.7M +3.8% $1,277.7M $582.5M -2.6% $8.87 -2.5% $3.77 2.81% $989.5M $861.8M +169.1%
FY 2025 $2,235.2M +8.3% $1,550.6M $648.6M +11.3% $9.92 +11.8% $3.98 3.15% $274.0M $127.3M -85.2%
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Valuation

Market Price $162.97
Market Cap $10.23B
Enterprise Value N/A
P/E Ratio 16.43
P/B Ratio 2.24
FCF Yield 1.24%
Dividend Yield 2.44%
Shares Outstanding 62,797,000
%

Profitability & Margins

Gross Margin 69.37%
Operating Margin 34.52%
Net Margin 29.02%
Return on Equity (ROE) 14.18%
Return on Assets (ROA) 1.22%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 9.64%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents N/A
Total Debt N/A
Book Value / Share $72.82
💧

Cash Flow Efficiency

Operating Cash Flow $273.98M
Capital Expenditures (CapEx) $146.65M
Free Cash Flow $127.33M
OCF / Revenue 12.26%
FCF / Revenue 5.70%
FCF 3-Yr CAGR -41.00%
🏷️

Per Share Metrics

EPS (Diluted) $9.92
EPS (Basic) $9.92
Dividends / Share $3.98
Book Value / Share $72.82
EPS YoY Growth 11.84%
🏛️

Balance Sheet (FY 2025)

Total Assets $53.04B
Total Liabilities $48.47B
Stockholders' Equity $4.57B
Current Assets N/A
Current Liabilities N/A