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Cullen/Frost Bankers CFR Free cash flow margin

Free cash flow margin at other companies

BOK Financial logo
BOK FinancialBOKF
64.7%+51.6pp
Commerce Bancshares logo
Commerce BancsharesCBSH
63.2%
Columbia Banking Systems logo
Columbia Banking SystemsCOLB
42.7%+13.6pp
Fifth Third Bank logo
Fifth Third BankFITB
16.1%
UMB Financial logo
UMB FinancialUMBF
34.7%
First Horizon logo
First HorizonFHN
30.4%

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$9.15B+7.3%
P/E13.7×-0.6×
P/S0.0×

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 official record: Cullen/Frost Bankers’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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?
How much real, spendable cash each sales dollar generates after reinvestment.
How do you interpret free cash flow margin?
A high and rising FCF margin is the hallmark of a cash-generative business. Persistent gaps between net margin and FCF margin warrant a look at working capital or capital intensity.
How does free cash flow margin compare across companies?
Strong cross-company quality signal; capital-light compounders post structurally higher FCF margins than asset-heavy peers.