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163.88 USD
P/E
15.83
EPS
10.25
Yield
2.49%
Safety Score
85
P/B
2.32
ROE
15.47
Beta
0.53
Target Price
159.00 USD
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Key Metrics
Earnings dateJuly 30, 2026
P/E15.83
EPS10.25
Book Value69.83
Price to Book2.32
% Insiders6.079%
Growth
Revenue Growth0.08%
Earnings Growth0.15%
Estimates
Forward P/E14.62
Forward EPS11.10
Target Mean Price159.00
Dividend
Dividend Yield2.49%
Annual dividends4.03 USD
Ex-Div. DateMay 29, 2026
Payout39.54%
5y avg Yield2.96%

DCF Valuation

Tweak assumptions to recompute fair value for Cullen/Frost Bankers, Inc. (CFR)
Currency: USD
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Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
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Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result

Fair Value (DCF)
Current Price
Upside
WACC
Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Cullen/Frost Bankers, Inc. Logo Cullen/Frost Bankers, Inc. Analysis (CFR)

United States Financials Official Website Stock

Is Cullen/Frost Bankers, Inc. a good investment? Cullen/Frost Bankers, Inc. (CFR) is currently trading at 163.88 USD. Market analysts have a consensus price target of 159.00 USD. This suggests the asset is currently trading above analyst expectations.

In terms of valuation, the stock trades at a P/E ratio of 15.83. This valuation is generally in line with the broader market.

Earnings Schedule: Cullen/Frost Bankers, Inc. is expected to release its next earnings report on July 30, 2026. The market consensus estimate for Forward EPS is 11.10.

For income investors, Cullen/Frost Bankers, Inc. pays a dividend yield of 2.49%. With a payout ratio of 40%, the dividend appears sustainable.

Investor FAQ

Does Cullen/Frost Bankers, Inc. pay a dividend?

Yes, it pays an annual dividend of 4.03 USD (2.49% yield).

What asset class is Cullen/Frost Bankers, Inc.?

Cullen/Frost Bankers, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 30, 2026. The company currently has a trailing EPS of 10.25.

Company Profile

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, 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. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

Exchange Ticker
NYQ (United States) CFR
Trades
Dividend Yield
2.49%
5y avg 2.96%
Annual Dividends
4.03USD
Next Ex. Div Date
May 29, 2026
Payout Ratio
39.54%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
2027
2.17 USD
June 15, 2027 (estimated) 1.1004
March 15, 2027 (estimated) 1.0683
2026
4.18 USD
Dec. 15, 2026 (estimated) 1.0729
Sept. 15, 2026 (estimated) 1.0766
June 15, 2026 1.0300
March 13, 2026 1.0000
2025
3.95 USD
Dec. 15, 2025 1.0000
Sept. 15, 2025 1.0000
June 13, 2025 1.0000
March 14, 2025 0.9500
2024
3.74 USD
Dec. 13, 2024 0.9500
Sept. 13, 2024 0.9500
June 14, 2024 0.9200
March 15, 2024 0.9200
2023
3.58 USD
Dec. 15, 2023 0.9200
Sept. 15, 2023 0.9200
June 15, 2023 0.8700
March 15, 2023 0.8700
2022
3.24 USD
Dec. 15, 2022 0.8700
Sept. 15, 2022 0.8700
June 15, 2022 0.7500
March 15, 2022 0.7500
2021
2.94 USD
Dec. 15, 2021 0.7500
Sept. 15, 2021 0.7500
June 15, 2021 0.7200
March 15, 2021 0.7200
2020
2.85 USD
Dec. 15, 2020 0.7200
Sept. 15, 2020 0.7100
June 15, 2020 0.7100
March 13, 2020 0.7100
2019
2.80 USD
Dec. 13, 2019 0.7100
Sept. 13, 2019 0.7100
June 14, 2019 0.7100
March 15, 2019 0.6700
2018
2.58 USD
Dec. 14, 2018 0.6700
Sept. 14, 2018 0.6700
June 15, 2018 0.6700
March 15, 2018 0.5700
2017
2.25 USD
Dec. 15, 2017 0.5700
Sept. 15, 2017 0.5700
June 15, 2017 0.5700
March 15, 2017 0.5400
2016
2.15 USD
Dec. 15, 2016 0.5400
Sept. 15, 2016 0.5400
June 15, 2016 0.5400
March 15, 2016 0.5300
2015
2.10 USD
Dec. 15, 2015 0.5300
Sept. 15, 2015 0.5300
June 15, 2015 0.5300
March 13, 2015 0.5100
2014
2.03 USD
Dec. 15, 2014 0.5100
Sept. 15, 2014 0.5100
June 13, 2014 0.5100
March 14, 2014 0.5000
2013
1.98 USD
Dec. 13, 2013 0.5000
Sept. 13, 2013 0.5000
June 14, 2013 0.5000
March 15, 2013 0.4800
2012
1.90 USD
Dec. 14, 2012 0.4800
Sept. 14, 2012 0.4800
June 15, 2012 0.4800
March 15, 2012 0.4600
2011
1.83 USD
Dec. 15, 2011 0.4600
Sept. 15, 2011 0.4600
June 15, 2011 0.4600
March 15, 2011 0.4500
2010
1.78 USD
Dec. 15, 2010 0.4500
Sept. 15, 2010 0.4500
June 15, 2010 0.4500
March 15, 2010 0.4300
2009
1.71 USD
Dec. 15, 2009 0.4300
Sept. 15, 2009 0.4300
June 15, 2009 0.4300
March 13, 2009 0.4200
2008
1.66 USD
Dec. 15, 2008 0.4200
Sept. 15, 2008 0.4200
June 13, 2008 0.4200
March 14, 2008 0.4000
2007
1.54 USD
Dec. 14, 2007 0.4000
Sept. 14, 2007 0.4000
June 15, 2007 0.4000
March 15, 2007 0.3400
2006
1.32 USD
Dec. 15, 2006 0.3400
Sept. 15, 2006 0.3400
June 15, 2006 0.3400
March 15, 2006 0.3000
2005
1.17 USD
Dec. 15, 2005 0.3000
Sept. 15, 2005 0.3000
June 15, 2005 0.3000
March 15, 2005 0.2650
2004
1.04 USD
Dec. 15, 2004 0.2650
Sept. 15, 2004 0.2650
June 15, 2004 0.2650
March 15, 2004 0.2400
2003
0.94 USD
Dec. 15, 2003 0.2400
Sept. 15, 2003 0.2400
June 13, 2003 0.2400
March 14, 2003 0.2200
2002
0.88 USD
Dec. 13, 2002 0.2200
Sept. 13, 2002 0.2200
June 14, 2002 0.2200
March 15, 2002 0.2150
2001
0.84 USD
Dec. 14, 2001 0.2150
Sept. 14, 2001 0.2150
June 15, 2001 0.2150
March 15, 2001 0.1950
2000
0.76 USD
Dec. 15, 2000 0.1950
Sept. 15, 2000 0.1950
June 15, 2000 0.1950
March 15, 2000 0.1750
1999
0.67 USD
Dec. 15, 1999 0.1750
Sept. 15, 1999 0.1750
June 15, 1999 0.1750
March 15, 1999 0.1500
1998
0.58 USD
Dec. 15, 1998 0.1500
Sept. 15, 1998 0.1500
June 15, 1998 0.1500
March 13, 1998 0.1250
1997
0.48 USD
Dec. 15, 1997 0.1250
Sept. 15, 1997 0.1250
June 13, 1997 0.1250
March 14, 1997 0.1050
1996
0.40 USD
Dec. 13, 1996 0.1050
Sept. 13, 1996 0.1050
June 14, 1996 0.1050
March 15, 1996 0.0875
1995
0.29 USD
Dec. 15, 1995 0.0875
Sept. 15, 1995 0.0875
June 15, 1995 0.0550
March 15, 1995 0.0550
1994
0.17 USD
Dec. 15, 1994 0.0550
Sept. 15, 1994 0.0375
June 15, 1994 0.0375
March 15, 1994 0.0375
1993
0.15 USD
Dec. 15, 1993 0.1500
1987
0.20 USD
April 3, 1987 0.2006
1986
0.35 USD
Dec. 19, 1986 0.0456
Oct. 28, 1986 0.0456
July 29, 1986 0.0456
April 29, 1986 0.2136
1985
0.85 USD
Dec. 23, 1985 0.2136
Oct. 29, 1985 0.2136
July 30, 1985 0.2136
April 30, 1985 0.2136
1984
2.07 USD
Nov. 30, 1984 1.0340
Oct. 10, 1984 1.0340
Upcoming Dividends
Name Payment Date Status Amount
Cullen/Frost Bankers, Inc. Jun 15, 2026 1.03 USD
Cullen/Frost Bankers, Inc. Mar 13, 2026 1.0 USD
Cullen/Frost Bankers, Inc. Dec 15, 2025 1.0 USD
Cullen/Frost Bankers, Inc. Sep 15, 2025 1.0 USD
Stock Splits
Split Date Split Ratio to 1
Feb. 9, 1993 1.100000
June 24, 1996 2.000000
June 23, 1999 2.000000
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