CFR

Cullen Frost Bankers Inc

Jan 29 • 04:00PM ET

138.77

+3.58 2.65 %

Financial • Banks - Regional • USA • NYSE

Jan 29, 4:37 PMCullen Frost Bankers Inc reports fiscal Q4 2025 non-GAAP EPS of $2.56 (+8% YoY) and revenue of $603.4M (+8% YoY), beating EPS and revenue estimates; also reports full-year EPS of $9.92, declares a $1.00 quarterly dividend, and authorizes a new $300M share repurchase program.

Peers: CMA ZION HBAN WAL PB ONB EWBC BCBP BOKF FHN

| Held by: IJH VTI VB VBR VXF SDY SDVY KRE MDY VIG

Scroll to Statements

Index	-	P/E	14.00	EPS (ttm)	9.91	Insider Own	6.70%	Shs Outstand	63.29M	Perf Week	-2.34%
Market Cap	8.87B	Forward P/E	13.28	EPS next Y	10.45	Insider Trans	-0.02%	Shs Float	59.66M	Perf Month	7.77%
Enterprise Value	-	PEG	-	EPS next Q	2.40	Inst Own	88.82%	Short Float	3.41%	Perf Quarter	12.60%
Income	637.21M	P/S	3.23	EPS this Y	1.04%	Inst Trans	3.47%	Short Ratio	4.14	Perf Half Y	3.53%
Sales	2.75B	P/B	1.92	EPS next Y	4.23%	ROA	1.22%	Short Interest	2.03M	Perf YTD	9.59%
Book/sh	72.26	P/C	-	EPS next 5Y	-	ROE	15.20%	52W High	146.44 -5.24%	Perf Year	-1.05%
Cash/sh	-	P/FCF	420.13	EPS past 3/5Y	4.11% 14.29%	ROIC	12.78%	52W Low	100.31 38.34%	Perf 3Y	1.77%
Dividend Est.	4.11 (2.96%)	EV/EBITDA	-	Sales past 3/5Y	6.01% 8.66%	Gross Margin	-	Volatility	2.79% 2.43%	Perf 5Y	43.57%
Dividend TTM	3.95 (2.85%)	EV/Sales	-	EPS Y/Y TTM	12.00%	Oper. Margin	28.06%	ATR (14)	3.33	Perf 10Y	219.97%
Dividend Ex-Date	Feb 27, 2026	Quick Ratio	-	Sales Y/Y TTM	-3.28%	Profit Margin	23.17%	RSI (14)	59.08	Recom	2.94
Dividend Gr. 3/5Y	6.83% 6.75%	Current Ratio	0.27	EPS Q/Q	8.33%	SMA20	1.97%	Beta	0.64	Target Price	141.60
Payout	39.82%	Debt/Eq	1.12	Sales Q/Q	-19.52%	SMA50	6.56%	Rel Volume	1.72	Prev Close	135.19
Employees	5854	LT Debt/Eq	0.11	Earnings	Jan 29 BMO	SMA200	8.78%	Avg Volume	491.44K	Price	138.77
IPO	Nov 01, 1982	Option/Short	Yes / Yes	EPS/Sales Surpr.	4.35% 4.34%	Trades		Volume	837,222	Change	2.65%

Date	Action	Analyst	Rating Change	Price Target Change
Jan-05-26	Upgrade	Keefe Bruyette	Mkt Perform → Outperform	$150
Sep-10-25	Initiated	Cantor Fitzgerald	Neutral	$138
Jul-08-25	Upgrade	Raymond James	Mkt Perform → Outperform	$150
May-21-25	Initiated	Jefferies	Underperform	$105
May-02-25	Upgrade	Evercore ISI	Underperform → In-line	$132
Apr-01-25	Initiated	Barclays	Equal Weight	$130
Feb-03-25	Downgrade	DA Davidson	Buy → Neutral	$138 → $143
Nov-01-24	Reiterated	Maxim Group	Buy	$138 → $149
Aug-05-24	Downgrade	Morgan Stanley	Equal-Weight → Underweight	$112 → $121
Jul-26-24	Reiterated	Maxim Group	Buy	$132 → $138
Jan-08-24	Downgrade	Compass Point	Buy → Neutral
Jan-03-24	Downgrade	Evercore ISI	In-line → Underperform	$98 → $111
Dec-01-23	Initiated	Citigroup	Sell	$94
Aug-25-23	Upgrade	UBS	Sell → Neutral	$97 → $100
May-16-23	Downgrade	Morgan Stanley	Overweight → Equal-Weight	$127 → $121
Mar-15-23	Initiated	UBS	Sell	$107
Feb-21-23	Downgrade	Raymond James	Outperform → Mkt Perform
Jan-05-23	Upgrade	BofA Securities	Neutral → Buy	$155
Dec-21-22	Initiated	DA Davidson	Buy	$147
Dec-05-22	Initiated	Morgan Stanley	Overweight	$178

Show Previous Ratings

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09:26AM	Cullen/Frost: Q4 Earnings Snapshot (Associated Press Finance)
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09:23AM	Cullen/Frost Declares Cash Dividend Of $1.00/common Share; Approves $300 Mln Share Buyback - Update (RTT News)
09:17AM	Frost Bank (NYSE:CFR) Reports Q4 CY2025 In Line With Expectations (StockStory)
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Nov-04-25 10:34PM	Winners And Losers Of Q3: Frost Bank (NYSE:CFR) Vs The Rest Of The Regional Banks Stocks (StockStory)
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09:45AM	Frost Bank (NYSE:CFR) Delivers Strong Q3 Numbers (StockStory)
09:12AM	Cullen/Frost: Q3 Earnings Snapshot (Associated Press Finance)
09:00AM	CULLEN/FROST REPORTS THIRD QUARTER RESULTS (PR Newswire)
Oct-29-25 09:27AM	Cullen/Frost Bankers Inc (CFR) Q3 2025 Earnings Report Preview: What To Expect (GuruFocus.com)
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Oct-24-25 07:05AM	Southside Bancshares (SBSI) Surpasses Q3 Earnings and Revenue Estimates (Zacks)
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12:00AM	2 Reasons to Like CFR (and 1 Not So Much) (StockStory)
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Oct-06-25 11:56AM	Fifth Third Buys Comerica for $10.9B in Years Biggest Bank Deal. Which Firms Might Be Next. (Barrons.com)
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Sep-22-25 09:32AM	FinWise Bancorp (FINW) Soars 9.0%: Is Further Upside Left in the Stock? (Zacks)
Sep-17-25 09:21AM	Implied Volatility Surging for Cullen/Frost Bankers Stock Options (Zacks)
Sep-15-25 11:45AM	Cullen/Frost Bankers (CFR) Could Be a Great Choice (Zacks)
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Aug-13-25 11:45AM	Why Cullen/Frost Bankers (CFR) is a Great Dividend Stock Right Now (Zacks)
12:14AM	The Top 5 Analyst Questions From Frost Bank's Q2 Earnings Call (StockStory)
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Aug-12-25 08:53PM	Cullen/Frost Bankers CEO: There's a quiet bullishness happening around natural gas (CNBC TV)
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10:18AM	Frost Bank (NYSE:CFR) Beats Q2 Sales Targets (StockStory)
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Jul-07-25 12:00PM	What Makes Cullen/Frost Bankers (CFR) a Strong Momentum Stock: Buy Now? (Zacks)
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09:00AM	Cullen/Frost Bankers, Inc. Hosts Second Quarter 2025 Earnings Conference Call (PR Newswire)
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Cullen/Frost Bankers, Inc. is a financial holding company, which engages in the provision of commercial and consumer banking services. It operates through the Banking and Frost Wealth Advisors segments. The Banking segment involves the operation of commercial and consumer banking services. The Frost Wealth Advisors segment includes fee-based services within private trust, retirement services, and financial management services. The company was founded by Thomas Clayborne Frost in 1868 and is headquartered in San Antonio, TX.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Pullin Ericka Lynn	GEVP, Culture & People Dev.	Dec 12 '25	Sale	129.72	0	43	2,024	Dec 15 11:55 AM
Rhodes Coolidge E JR	Group EVP General Counsel/Sec	Dec 09 '25	Sale	127.00	700	88,900	3,795	Dec 10 01:47 PM
Stead Jimmy	GEVP Chief Consumer Banking	Oct 25 '25	Option Exercise	0.00	2,621	0	17,639	Oct 27 12:41 PM
Severyn Carol Jean	GEVP and Chief Risk Officer	Oct 25 '25	Option Exercise	0.00	2,045	0	13,146	Oct 27 12:40 PM
Rhodes Coolidge E JR	Group EVP General Counsel/Sec	Oct 25 '25	Option Exercise	0.00	2,097	0	5,320	Oct 27 12:40 PM
Pullin Ericka Lynn	GEVP, Culture & People Dev.	Oct 25 '25	Option Exercise	0.00	384	0	2,118	Oct 27 12:40 PM
Kasanoff Howard L.	GEVP Chief Credit Officer	Oct 25 '25	Option Exercise	0.00	1,073	0	4,043	Oct 27 12:39 PM
Henson Matthew Bradley	Chief Accounting Officer	Oct 25 '25	Option Exercise	0.00	419	0	419	Oct 27 12:39 PM
GREEN PHILLIP D	Chairman and CEO	Oct 25 '25	Option Exercise	0.00	11,097	0	112,554	Oct 27 12:38 PM
Geddes Dan	GEVP & Chief Financial Officer	Oct 25 '25	Option Exercise	0.00	1,049	0	3,413	Oct 27 12:38 PM
Bracher Paul	President of CFR	Oct 25 '25	Option Exercise	0.00	2,796	0	108,064	Oct 27 12:37 PM
Berman Bobby	GEVP Research & Strategy	Oct 25 '25	Option Exercise	0.00	1,573	0	29,856	Oct 27 12:32 PM
Alonzo Annette M	GEVP Chief HR Officer	Oct 25 '25	Option Exercise	0.00	1,992	0	19,832	Oct 27 12:31 PM
Wolfshohl Candace K	Officer	May 19 '25	Proposed Sale	131.11	7,670	1,005,635		May 19 05:40 PM
Henson Matthew Bradley	Chief Accounting Officer	May 02 '25	Buy	16.93	1,870	31,659	5,545	May 05 11:09 AM
Bracher Paul	President of CFR	Jan 31 '25	Option Exercise	65.11	11,500	748,765	114,446	Feb 03 01:02 PM
Bracher Paul	President of CFR	Jan 31 '25	Sale	139.45	11,500	1,603,675	102,946	Feb 03 01:02 PM
Bracher Paul	Officer	Jan 31 '25	Proposed Sale	139.35	11,500	1,602,533		Jan 31 04:27 PM

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CFR

Cullen Frost Bankers Inc

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