Cullen/Frost Bankers, Inc.CFR
NYSE•Financial Services•Banks - Regional
Understand cash generation quality and how management allocates capital.
Free cash flow was $198.72M in the latest quarter (159.0% increase YoY). FCF margin is 6.8%. Shares outstanding declined by 1.8% year-over-year, indicating buybacks (returning capital to shareholders). Free cash flow is the lifeblood of a business — it funds dividends, buybacks, debt reduction, and reinvestment without relying on external capital.
Free cash flow, earnings quality, and capital allocation