Stock Fundamentals

Company Information

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
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

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. Daniel J. Geddes Group Executive VP & CFO 1975
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. Matthew B. Henson Executive VP & Chief Accounting Officer 1972
Mr. A. B. Mendez C.F.A. Director of Investor Relations NA
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

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

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 7.08M Mar 31, 2026 11.27% $0.02 0.50%
Vanguard Group Inc 6.40M Dec 31, 2025 10.20% $0.01 -1.33%
Aristotle Capital Management LLC 4.77M Mar 31, 2026 7.59% $1.37 -4.89%
State Street Corp 3.10M Mar 31, 2026 4.94% $0.01 -7.51%
Arnhold & S. Bleichroeder Advisers, LLC 2.27M Mar 31, 2026 3.61% $0.53 0.00%
Dimensional Fund Advisors, Inc. 1.53M Mar 31, 2026 2.44% $0.04 18.30%
Geode Capital Management, LLC 1.33M Mar 31, 2026 2.12% $0.01 8.68%
King Luther Capital Management Corp 1.33M Mar 31, 2026 2.11% $0.79 -0.48%
Bank of America Corp 1.21M Mar 31, 2026 1.93% $0.01 11.77%
BTIM Corp 967.85K Mar 31, 2026 1.54% $1.09 -7.27%
Northern Trust Corp 945.98K Mar 31, 2026 1.51% $0.02 -0.32%
Champlain Investment Partners, LLC 855.19K Mar 31, 2026 1.36% $1.49 -26.79%
Morgan Stanley - Brokerage Accounts 852.04K Mar 31, 2026 1.36% $0.01 32.74%
First Trust Advisors L.P. 789.93K Mar 31, 2026 1.26% $0.08 6.17%
Westwood Holdings Group Inc 743.73K Mar 31, 2026 1.18% $0.74 -4.46%
NORGES BANK 733.67K Dec 31, 2025 1.17% $0.01 4.22%
The Goldman Sachs Group Inc 701.67K Mar 31, 2026 1.12% $0.01 -4.63%
Principal Financial Group Inc 662.33K Mar 31, 2026 1.05% $0.05 -3.82%
Two Sigma Investments LLC 659.94K Mar 31, 2026 1.05% $0.07 104.40%
HHG PLC 647.24K Mar 31, 2026 1.03% $0.04 -32.92%

Shares Statistics

Shares Outstanding: 62.80M
Shares Float: 61.92M
% Insiders: 607.90%
% Institutions: 9,038.30%
Short % Float: 0.03%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares Core S&P Mid-Cap ETF 2.14M 3.40% ▼ 0.05% Apr 30, 2026
2 Vanguard Total Stock Mkt Idx Inv 1.90M 3.03% ▲ 0.16% Apr 30, 2026
3 First Eagle Global A 1.74M 2.77% ▲ 8.90% Apr 30, 2026
4 Vanguard Windsor II Inv 1.58M 2.51% ▲ 0.00% Mar 31, 2026
5 Vanguard Small Cap Index 1.38M 2.20% ▼ 0.18% Apr 30, 2026
6 Vanguard Small Cap Value Index Inv 888.66K 1.42% ▲ 0.74% Apr 30, 2026
7 Vanguard Institutional Extnd Mkt Idx Tr 713.88K 1.14% ▲ 1.08% Apr 30, 2026
8 First Trust SMID Cp Rising Div Achv ETF 676.49K 1.08% ▲ 0.13% Apr 30, 2026
9 Janus Henderson Contrarian D 619.84K 0.99% ▼ 7.14% Mar 31, 2026
10 Janus Henderson US Opportunistic Alpha 619.84K 0.99% ▼ 21.99% Mar 31, 2026

Valuation Metrics

Enterprise Value: $6.04B
Trailing P/E: 13.08
Forward P/E: 12.89

Financial Highlights

Market Cap: $8.43B
P/E Ratio: $13.08
PEG Ratio: $3.79
Book Value: $69.83
Dividend/Share: $4.00
Dividend Yield: 2.95%
Earnings/Share: $10.27
Profit Margin: 29.96%
Operating Margin: 36.90%
ROA (TTM): 1.28%
ROE (TTM): 15.47%
Revenue (TTM): $2.23B
Revenue/Share (TTM): $35.00
Earnings Growth (YOY): 15.20%
Revenue Growth (YOY): 7.80%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

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

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

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

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