Valuation dashboard for Cullen/Frost Bankers, Inc. (CFR) with P/E 14.66, P/B 2.48, EV/EBITDA 7.48 and dividend yield 2.57%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
Analysis Summary
Cullen/Frost Bankers, Inc. reported revenue of $2.92B in the most recent fiscal year, growing at a 5-year CAGR of 14.5%. Net income reached $648.6M, with a 14.4% 5-year CAGR.
Trailing-twelve-month margins: gross margin 81.9%, operating margin -5.0%, net margin 36.4%.
At $157.60 (closing price, October 30, 2026), CFR trades at a P/E of 14.66 and an ROE of 15.58%. Market capitalisation stands at $9.8B.
Balance sheet quality for CFR: current ratio of 0.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 14.66 |
| Price / Book | 2.48 |
| EV / EBITDA | 7.48 |
| Dividend Yield | 2.57% |
Valuation Models
| DCF Fair Value | $212.01 |
| vs Current Price | +34.5% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CFR | Cullen/Frost Bankers, Inc. | $9.8B | 14.66 | 2.48 | 15.6% |
| WTFC | Wintrust Financial Corporation | $10.3B | 11.55 | 1.41 | 12.5% |
| UMBF | UMB Financial Corporation | $10.2B | 10.18 | 1.30 | 13.2% |
| ONB | Old National Bancorp | $9.6B | 10.12 | 1.15 | 11.3% |
| ZION | Zions Bancorporation, National Association | $9.5B | 8.01 | 1.23 | 16.2% |
| BOKF | BOK Financial Corporation | $7.9B | 11.76 | 1.32 | 11.2% |
| CBSH | Commerce Bancshares, Inc. | $7.8B | 13.17 | 1.87 | 14.4% |
| PNFP | Pinnacle Financial Partners, Inc. | $15.4B | 12.19 | 1.05 | 8.0% |
Price
| Price | $157.60 (closing price, October 30, 2026) |
| Market Cap | $9.8B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 15.58% |
| Return on Invested Capital | -0.41% |
| Return on Assets | 1.26% |
| Gross Margin | 81.91% |
| Operating Margin | -5.00% |
| Net Margin | 36.40% |
Related companies: WTFC · UMBF · ONB · ZION · BOKF · CBSH · PNFP · FFIN
Explore sector: Financial Services · Banks - Regional
More sections of CFR: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Weekly Radar: the S&P 500 through the Buffett and Lynch methods · Companies that pass the Buffett method today · Companies that pass the Lynch method today · Stocks that pass Graham's defensive investor test today · Investment Academy — learn to analyze stocks