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Cullen/Frost Bankers, Inc. (CFR) Financial Metrics

Key metrics and charts across all fundamental categories.

Prices

Stock price and market valuation

Stock Price
$153.50
22.6%
Market Cap
$9.69B
20.4%

CFR trades at $153.5, a 22.6% increase year-over-year. Market capitalization stands at $9.69B, up 20.4% from the prior year. Track CFR price trends and market cap history to understand how the market values this company over time.

Stock Price
How the market values the company over time
Market Cap
Total equity value as determined by the market

Growth

Revenue and earnings growth across quarters

TTM Revenue
$2.92B
2.2%
Q. Revenue
$714.28M
TTM EBITDA
$415.80M
13.2%
Q. Op. Income
$66.09M
TTM Net Income
$668.62M
11.9%
Q. Net Income
$170.99M

$2.92B in TTM revenue grew 2.2% YoY, reaching $714.28M last quarter. TTM EBITDA of $415.80M on operating income of $66.09M shows growth is flowing through. Net income of $668.62M TTM confirms the company is converting revenue into profit. Revenue is growing modestly — monitor for acceleration or deceleration.

TTM Revenue
Reveals whether the core business is growing or shrinking
Quarterly Revenue
Highlights seasonal patterns and short-term momentum
TTM EBITDA
Shows if underlying operating profitability is improving
Quarterly EBITDA
Tracks near-term operating profitability trends
Quarterly Operating Income
Profit from core operations before financing costs
TTM Net Income
The bottom line — is the company making more money?
Quarterly Net Income
Short-term profit after all expenses and taxes

Balance Sheet

Assets, cash, debt, and leverage

Total Assets
$52.72B
Long-Term Debt
N/A
D/E
N/A
Equity
$4.53B
Total Assets
Expanding asset base can indicate business growth
Cash & Equivalents
Shows liquidity available for opportunities or downturns
Long-Term Debt
Declining debt trend is generally positive
Debt / Equity
Lower means less reliance on borrowed money
Debt / EBITDA
Below 2x is conservative; above 4x is high

Valuation

Price multiples and return ratios

Market Cap
$9.69B
P/E
14.5x
P/S
3.3x
P/B
2.1x

At 14.5x P/E, the stock trades below market averages — potentially undervalued. P/S of 3.3x and P/B of 2.1x provide additional context. Assess whether the current multiple is justified by the company's growth and profitability trajectory.

P/E Ratio
Higher suggests growth expectations; lower may signal undervaluation
P/S Ratio
Useful when earnings are volatile or negative
P/B Ratio
Below 1 means trading below accounting book value
EV / EBITDA
Lower multiple often signals better value
FCF Yield (%)
Cash return at current price — compare to bond yields
Earnings Yield (%)
Earnings return at current price — inverse of P/E
Return on Equity (ROE)
15%+ consistently signals a durable competitive advantage

Efficiency

Operating efficiency and return metrics

Op. Margin
9.3%
19.1%
Net Margin
23.9%
12.5%
ROE
14.8%
1.6%
Gross Margin
80.5%

Op. margin of 9.3% is up 1.5% YoY — cost efficiency is improving. Net margin at 23.9% and gross margin of 80.5%. ROE of 14.8% shows the company generates solid returns on shareholder equity.

Margins (%)
Operating vs Net Margin — how much of each dollar becomes profit
EBITDA Margin (%)
Operating profitability independent of capital structure
Asset Turnover
How efficiently assets generate each dollar of sales
Return on Assets (ROA)
How well management uses assets to generate profit
Revenue per Share
Per-share revenue growth adjusted for dilution

Cash & Capital

Free cash flow, earnings quality, and capital allocation

Free Cash Flow
$198.72M
159.0%
Op. Cash Flow
$237.32M
Shares Out.
63.10M
1.8%
Cash & Equiv.
$7.14B

FCF of $198.72M on $237.32M in operating cash flow. The FCF / Net Income ratio of 0.3x indicates partial cash conversion — earnings quality needs attention. Cash reserves of $7.14B provide financial flexibility.

Free Cash Flow
Cash the business generates after maintaining itself
FCF Margin (%)
10%+ signals a capital-efficient business model
FCF / Net Income
Above 1 means earnings are backed by real cash
Shares Outstanding
Declining means buybacks benefit remaining holders
Book Value (Equity)
Growing book value signals intrinsic value creation