Stock Fundamentals

Company Information

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Company Name
Cullen/Frost Bankers Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NYSE
ISIN: US2298991090
CIK: 0000039263
CUSIP: 229899109
Currency: USD
Full Time Employees: 6,008
Phone: 210 220 4011
Website: https://www.frostbank.com
Fiscal Year End: December
IPO Date: Mar 26, 1990
Description:

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.

Address:

111 West Houston Street, San Antonio, TX, United States, 78205

Directors & Officers

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Name Title Year Born
Mr. Phillip D. Green J.D. Chairman of the Board & CEO 1955
Mr. Paul H. Bracher President, Group Executive VP & Chief Banking Officer 1957
Mr. Jimmy M. Stead Group Executive VP and Chief Consumer Banking Officer & Technology Officer 1976
Mr. Coolidge E. Rhodes Jr. Group Executive VP, General Counsel & Corporate Secretary 1976
Mr. Daniel J. Geddes Group Executive VP & CFO 1975
Mr. Matthew B. Henson Executive VP & Chief Accounting Officer 1972
Ms. Annette Alonzo Group Executive VP & Chief Human Resources Officer 1969
Ms. Carole Kilpatrick Senior Vice President of Private Client Services for Allen Financial Center NA
Mr. Robert A. Berman Group Executive Vice President of Research & Strategy 1963
Ms. Carol Jean Severyn Group Executive VP & Chief Risk Officer 1965

Institutional Holders

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Holder Name Shares Date Reported % Out Value % Change
Vanguard Group Inc 6.40M Dec 31, 2025 10.13% $0.01 -1.33%
BlackRock Inc 6.20M Sep 30, 2025 9.80% $0.01 3.09%
Aristotle Capital Management LLC 5.01M Dec 31, 2025 7.93% $1.27 -5.12%
State Street Corp 3.37M Sep 30, 2025 5.34% $0.01 -1.82%
Neuberger Berman Group LLC 1.42M Sep 30, 2025 2.25% $0.13 7.16%
JPMorgan Chase & Co 1.35M Sep 30, 2025 2.13% $0.01 77.67%
King Luther Capital Management Corp 1.33M Dec 31, 2025 2.11% $0.69 -1.62%
Dimensional Fund Advisors, Inc. 1.29M Dec 31, 2025 2.05% $0.03 8.97%
Geode Capital Management, LLC 1.21M Sep 30, 2025 1.92% $0.01 5.15%
Champlain Investment Partners, LLC 1.17M Dec 31, 2025 1.85% $1.50 -30.87%
Bank of America Corp 1.13M Sep 30, 2025 1.79% $0.01 8.46%
HHG PLC 1.06M Sep 30, 2025 1.67% $0.06 0.10%
BTIM Corp 1.04M Dec 31, 2025 1.65% $1.00 -4.41%
Westwood Holdings Group Inc 996.40K Sep 30, 2025 1.58% $0.90 126.51%
Northern Trust Corp 965.82K Sep 30, 2025 1.53% $0.02 2.31%
Impax Asset Management Group PLC 915.93K Dec 31, 2025 1.45% $0.73 -0.53%
Vaughan Nelson Scarbrgh & Mccullough LP 739.40K Dec 31, 2025 1.17% $0.92 -11.10%
NORGES BANK 733.67K Dec 31, 2025 1.16% $0.01 4.22%
First Trust Advisors L.P. 705.10K Sep 30, 2025 1.12% $0.07 7.98%
Principal Financial Group Inc 701.96K Sep 30, 2025 1.11% $0.04 -9.29%

Shares Statistics

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Shares Outstanding: 63.20M
Shares Float: 62.33M
% Insiders: 664.70%
% Institutions: 8,863.50%
Short % Float: 3.46%

🏆 Top 10 Institutional Holders

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Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Group Inc 6.40M 10.13% ▼ 1.33% Dec 31, 2025
2 BlackRock Inc 6.20M 9.80% ▲ 3.09% Sep 30, 2025
3 Aristotle Capital Management LLC 5.01M 7.93% ▼ 5.12% Dec 31, 2025
4 State Street Corp 3.37M 5.34% ▼ 1.82% Sep 30, 2025
5 Neuberger Berman Group LLC 1.42M 2.25% ▲ 7.16% Sep 30, 2025
6 JPMorgan Chase & Co 1.35M 2.13% ▲ 77.67% Sep 30, 2025
7 King Luther Capital Management Corp 1.33M 2.11% ▼ 1.62% Dec 31, 2025
8 Dimensional Fund Advisors, Inc. 1.29M 2.05% ▲ 8.97% Dec 31, 2025
9 Geode Capital Management, LLC 1.21M 1.92% ▲ 5.15% Sep 30, 2025
10 Champlain Investment Partners, LLC 1.17M 1.85% ▼ 30.87% Dec 31, 2025

Valuation Metrics

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Enterprise Value: $4.66B
Trailing P/E: 13.32
Forward P/E: 13.12

Financial Highlights

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Market Cap: $8.35B
P/E Ratio: $13.32
PEG Ratio: $2.20
Book Value: $69.96
Dividend/Share: $3.95
Dividend Yield: 2.97%
Earnings/Share: $9.92
Profit Margin: 29.60%
Operating Margin: 34.52%
ROA (TTM): 1.23%
ROE (TTM): 15.31%
Revenue (TTM): $2.19B
Revenue/Share (TTM): $34.21
Earnings Growth (YOY): 8.50%
Revenue Growth (YOY): 9.50%

Stock Price History

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1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

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Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

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Financial Ratios

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Earnings History

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Balance Sheet (Yearly)

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Financial Ratios

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Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.21x 1.04x 0.91x 1.13x 5.55x
2024-12-31 0.54x 1.18x 0.93x 0.89x 5.89x
2023-12-31 0.57x 1.18x 0.93x 1.08x 6.17x
2022-12-31 23.10x 1.58x 0.94x 3.63x 6.71x
2021-12-31 41.20x 0.68x 0.91x 20.48x 5.41x
2020-12-31 29.19x 0.56x 0.90x 7.80x 5.74x
2019-12-31 27.75x 0.50x 0.88x 3.85x 3.54x
2018-12-31 107.72x 0.48x 0.90x 5.45x 2.87x
2017-12-31 95.48x 0.42x 0.90x 15.40x 3.03x
2016-12-31 97.80x 0.40x 0.90x 28.27x 3.11x
2015-12-31 76.32x 0.49x 0.90x 24.86x 3.93x
2014-12-31 63.01x 0.48x 0.90x 23.12x 3.60x
2013-12-31 0.50x 0.35x 0.90x 13.26x 2.71x
2012-12-31 0.49x 0.32x 0.90x 11.53x 2.27x
2011-12-31 0.62x 0.41x 0.89x 6.94x 2.92x
2010-12-31 0.21x 0.41x 0.88x 4.94x 2.79x
2009-12-31 0.15x 0.59x 0.88x 2.70x 4.18x
2008-12-31 0.13x 0.98x 0.88x 2.10x 5.21x
2007-12-31 0.10x 0.90x 0.89x 1.24x 3.89x
2006-12-31 0.08x 0.92x 0.90x 1.33x 4.08x
2005-12-31 0.11x 1.16x 0.92x 2.06x 4.20x
2004-12-31 0.09x 1.07x 0.92x 3.37x 3.76x
2003-12-31 0.14x 0.88x 0.92x 3.49x 3.07x
2002-12-31 0.18x 1.50x 0.93x 2.37x 4.99x
2001-12-31 0.20x 0.90x 0.93x 0.83x 3.38x
2000-12-31 0.17x 0.81x 0.93x 0.90x 2.25x
1999-12-31 0.17x 0.65x 0.93x 0.99x 1.79x
1998-12-31 0.17x 0.60x 0.93x 0.74x 2.08x
1997-12-31 0.20x 0.43x 0.92x 0.76x 1.55x
1996-12-31 0.24x 0.46x 0.92x 0.76x 1.61x
1995-12-31 0.20x 0.33x 0.92x 0.69x 1.21x
1994-12-31 0.19x 1.25x 0.92x 0.83x 5.86x
1993-12-31 0.17x 0.61x 0.92x 0.61x 3.38x
1992-12-31 0.23x 0.59x 0.93x 0.35x 3.53x
1991-12-31 0.18x 0.50x 0.94x 0.01x 10.61x
1990-12-31 0.24x 0.81x 0.95x -0.05x 703.00x
1989-12-31 0.26x 1.60x 0.95x 0.02x 29.06x
1988-12-31 N/A N/A N/A N/A 0.00x
1987-12-31 N/A N/A N/A N/A 0.00x
1986-12-31 N/A N/A N/A N/A 0.00x
1985-12-31 N/A N/A N/A N/A 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Jan 30, 2026 Bobby Berman N/A Sale 1.00K $137.07 $137.07K
Dec 12, 2025 Ericka Lynn Pullin N/A Sale N/A $129.72 N/A
Dec 09, 2025 Coolidge E Rhodes Jr N/A Sale 700.00 $127.00 $88.90K
May 02, 2025 Matthew Bradley Henson N/A Purchase 1.87K $16.93 $31.66K

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