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Cullen/Frost Bankers CFR Free cash flow margin

Free cash flow margin at other companies

First Financial Bankshares logo
First Financial BanksharesFFIN
47.5%-4.4pp
International Bancshares logo
International BancsharesIBOC
52.7%-1.8pp
Southside Bancshares logo
Southside BancsharesSBSI
51%
Hancock Whitney Corporation logo
Hancock Whitney CorporationHWC
36.8%-1.0pp
Prosperity Bancshares logo
Prosperity BancsharesPB
42.4%
Texas Capital Bancshares logo
Texas Capital BancsharesTCBI
35.5%-2.9pp

Other financials

Income statement

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

Balance sheet

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Cash & equivalents$7.1B-9.0%
Total debt$296.4M
Total equity$4.5B+10.1%
Total assets$52.7B+1.4%

Cash flow

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

Valuation

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Market cap$10.32B+29.8%
P/E15.4×+2.4×
P/S4.6×+0.8×

Profitability

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Net margin29.5%+1.0pp

Returns & leverage

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Return on equity15.5%0.0pp
Debt / equity0.1×

Where this comes from

Calculated from Cullen/Frost Bankers’s reported figures.

Based on trailing twelve months.

The source filing: Cullen/Frost Bankers’s 10-Q, filed April 30, 2026. Open the filing →

Filed
Apr 30, 2026, 5:18 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0000039263-26-000035

FAQ

What is Cullen/Frost Bankers's free cash flow margin?
Cullen/Frost Bankers (CFR) reported free cash flow margin of 3.5% in Q1 2025.
What is the long-term trend for Cullen/Frost Bankers's free cash flow margin?
Over 2 years (2021 to 2024), Cullen/Frost Bankers's free cash flow margin has grown at a -0.8% compound annual growth rate (CAGR), from 42.5% to 41.8%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

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