Skip to content
Cullen/Frost Bankers logo

Cullen/Frost Bankers

CFR

Cullen/Frost Bankers Inc. is a financial holding company that provides a comprehensive suite of commercial and consumer banking, wealth management, and insurance services.

Market cap
$10.49B+21.7%
Revenue$2.3B+8.0%
Net income$668.6M+11.9%
Free cash flow$26.5M-97.5%
EPS (diluted)$10.27+12.7%
Trailing twelve months · change vs. prior year

Earnings

Next report

Jul 30, 2026 (Today)
Revenue estimate$589.7M
EPS estimate$2.55

Financials

Q1 2026

Income statement

See full
Revenue$574.8M+6.4%
Net income$171.0M+13.3%
EPS (diluted)$2.65+15.2%

Balance sheet

See full
Cash & equivalents$7.1B-9.0%
Total equity$4.5B+10.1%
Total assets$52.7B+1.4%

Cash flow

See full
Operating cash flow$237.3M+180%
CapEx$38.6M-5.7%
Free cash flow$198.7M+159%

Valuation & ratios

Valuation

See full
Market cap$10.49B+21.7%
P/E15.7×+1.4×
P/S4.6×+0.6×

Profitability

See full
Net margin29.5%+1.0pp

Returns & leverage

See full
Return on equity15.5%0.0pp

Segments

By segment

See full
Bank$520.9M+6.0%
Frost Wealth Advisors$57.0M+8.5%
Non-Banks-$3.0M+17.2%

Competitors

Profile

Cullen/Frost Bankers Inc. is a financial holding company that provides a comprehensive suite of commercial and consumer banking, wealth management, and insurance services. Operating primarily through Frost Bank, the company utilizes a community-based model to serve diverse industries across major Texas markets. Its core value proposition focuses on building long-term relationships through localized service and high ethical standards while offering products comparable to large money-center institutions.

Competitive position

One of the largest independent bank holding companies headquartered in Texas, competing through a localized community-banking approach combined with large-scale product capabilities.

GeographiesUnited States, Texas
Customer segmentsRetail, Commercial, Institutional, Public Sector
Business modelInterest-based lending, Fee-based services, Asset management, Commission-based brokerage
SuppliersFederal Reserve System, Technology and Software Providers, Retailers (for ATM placement), Capital Markets
CustomersEnergy Companies, Manufacturing Firms, Healthcare Providers, Retail Consumers, Real Estate Developers, Correspondent Banks
Listed1977
Employees5.5K
CEOPhillip D. Green
FilingsSEC EDGAR

Questions, answered.

What is Cullen/Frost Bankers's market cap?
Cullen/Frost Bankers (CFR) has a market capitalization of $10.5B and trades on NYSE.
What is Cullen/Frost Bankers's revenue and profitability?
Cullen/Frost Bankers generated $2.3B in trailing twelve-month revenue with net income of $668.6M, representing a net margin of 29.5%, with free cash flow of $26.5M. These figures are based on the Q1 2026 filing.
Who are Cullen/Frost Bankers's competitors?
Cullen/Frost Bankers's key competitors include JPMorgan Chase & Co., Bank of America Corp., Wells Fargo & Co., and others. These companies compete in similar markets and product categories.
Who does Cullen/Frost Bankers partner with?
Cullen/Frost Bankers's notable partners include New York Stock Exchange, Federal Reserve Bank.
What subsidiaries does Cullen/Frost Bankers have?
Cullen/Frost Bankers's subsidiaries include Frost Bank, Frost Insurance Agency, Inc., Frost Brokerage Services, Inc., and others.
Where is Cullen/Frost Bankers headquartered?
Cullen/Frost Bankers is headquartered in United States of America and employs approximately 5,495 people. It has been publicly traded since 1977.