Stock Scorecard
Stock Summary for Cullen Frost Bankers Inc (CFR) - $128.78 as of 9/3/2025 8:32:03 PM EST
Total Score
15 out of 30
Safety Score
70 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for CFR
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CFR
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CFR
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CFR
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CFR (70 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 10 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CFR
Financial Details for CFR
Company Overview |
|
|---|---|
| Ticker | CFR |
| Company Name | Cullen Frost Bankers Inc |
| Country | USA |
| Description | Cullen / Frost Bankers, Inc. is the banking holding company for Frost Bank offering commercial and consumer banking services in Texas. The company is headquartered in San Antonio, Texas. |
| Sector Name | FINANCE |
| Industry Name | NATIONAL COMMERCIAL BANKS |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/30/2025 |
Stock Price History |
|
| Last Day Price | 128.78 |
| Price 4 Years Ago | 112.60 |
| Last Day Price Updated | 9/3/2025 8:32:03 PM EST |
| Last Day Volume | 315,179 |
| Average Daily Volume | 472,198 |
| 52-Week High | 143.40 |
| 52-Week Low | 98.77 |
| Last Price to 52 Week Low | 30.38% |
Valuation Measures |
|
| Trailing PE | 13.94 |
| Industry PE | 21.19 |
| Sector PE | 22.28 |
| 5-Year Average PE | 16.62 |
| Free Cash Flow Ratio | 1.17 |
| Industry Free Cash Flow Ratio | 9.44 |
| Sector Free Cash Flow Ratio | 28.45 |
| Current Ratio Most Recent Quarter | 0.38 |
| Total Cash Per Share | 110.45 |
| Book Value Per Share Most Recent Quarter | 63.04 |
| Price to Book Ratio | 2.06 |
| Industry Price to Book Ratio | 1.09 |
| Sector Price to Book Ratio | 2.23 |
| Price to Sales Ratio Twelve Trailing Months | 4.01 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.12 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.41 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 64,325,000 |
| Market Capitalization | 8,283,773,500 |
| Institutional Ownership | 88.08% |
Dividends |
|
| Ex-Dividend Date | 8/29/2025 |
| Previous Dividend Amount | 1.0000 |
| Current Dividend Amount | 1.0000 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 3.90 |
| Trailing Annual Dividend Yield | 3.02% |
| Forward Annual Dividend Rate | 4.00 |
| Forward Annual Dividend Yield | 3.10% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.85% |
| 5-Year Average Dividend Yield | 2.90% |
| 1-Year Dividend Growth Rate Percentage | 6.95% |
| 3-Year Dividend Growth Rate Percentage | 3.42% |
| 5-Year Dividend Growth Rate Percentage | 8.00% |
| All-Time Dividend Growth Rate Percentage | 9.36% |
| Dividend Payout Ratio | 41.98% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 8.10% |
| Annual Earnings Growth | -2.58% |
| Reported EPS 12 Trailing Months | 9.29 |
| Reported EPS Past Year | 4.69 |
| Reported EPS Prior Year | 8.87 |
| Net Income Twelve Trailing Months | 609,278,000 |
| Net Income Past Year | 582,542,000 |
| Net Income Prior Year | 597,973,000 |
| Quarterly Revenue Growth YOY | 8.50% |
| 5-Year Revenue Growth | 13.73% |
| Operating Margin Twelve Trailing Months | 36.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 7,104,537,000 |
| Total Cash Past Year | 10,218,683,000 |
| Total Cash Prior Year | 8,602,626,000 |
| Net Cash Position Most Recent Quarter | 6,881,598,000 |
| Net Cash Position Past Year | 9,995,851,000 |
| Long Term Debt Past Year | 222,832,000 |
| Long Term Debt Prior Year | 222,618,000 |
| Total Debt Most Recent Quarter | 222,939,000 |
| Equity to Debt Ratio Past Year | 0.95 |
| Equity to Debt Ratio Most Recent Quarter | 0.95 |
| Total Stockholder Equity Past Year | 3,898,588,000 |
| Total Stockholder Equity Prior Year | 3,716,447,000 |
| Total Stockholder Equity Most Recent Quarter | 4,200,310,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -251,078,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -3.90 |
| Free Cash Flow Past Year | 861,756,000 |
| Free Cash Flow Prior Year | 320,215,000 |
Options |
|
| Put/Call Ratio | 0.40 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.21 |
| MACD Signal | -0.80 |
| 20-Day Bollinger Lower Band | 112.72 |
| 20-Day Bollinger Middle Band | 126.08 |
| 20-Day Bollinger Upper Band | 139.44 |
| Beta | 0.68 |
| RSI | 57.34 |
| 50-Day SMA | 126.45 |
| 150-Day SMA | 111.39 |
| 200-Day SMA | 113.22 |
System |
|
| Modified | 9/3/2025 8:15:20 PM EST |