- ISIN
- US2298991090
- CUSIP
- 229899109
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Mar 26, 1990
Highlights
- EPS (TTM)
- $13.92
- PE Ratio
- 10.73
- PEG Ratio
- 0.99
- Total Revenue (TTM)
- $2.79B
- Gross Profit (TTM)
- $1.66B
- EBITDA (TTM)
- $658.50M
- Year Range
- $119.00 - $149.47
- Target Price
- $153.33
- ROA (TTM)
- 1.27%
- ROE (TTM)
- 14.76%
Share Price Chart
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Performance
CFR Performance Chart
Cullen/Frost Bankers, Inc. (CFR) is up 19.7% since the beginning of the year. At $149 per share, CFR is currently trading at its 52-week high. Investors who bought $1,000 worth of CFR shares 5 years ago would now be looking at an investment worth $1,553.
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Returns By Period
Cullen/Frost Bankers, Inc. (CFR) has returned 19.70% so far this year and 23.62% over the past 12 months. Over the last ten years, CFR has returned 12.42% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Cullen/Frost Bankers, Inc.
- 1D
- 2.56%
- 1M
- 8.00%
- YTD
- 19.70%
- 6M
- 17.12%
- 1Y
- 23.62%
- 3Y*
- 16.69%
- 5Y*
- 9.20%
- 10Y*
- 12.42%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
CFR Monthly Returns History
Based on dividend-adjusted daily data since Mar 26, 1990, CFR's average daily return is +0.08%, while the average monthly return is +1.46%. At this rate, an investment would double in approximately 4.0 years.
Historically, 60% of months were positive and 40% were negative. The best month was Jan 1991 with a return of +33.2%, while the worst month was Mar 2020 at -28.8%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 5 months.
On a daily basis, CFR closed higher 49% of trading days. The best single day was Nov 21, 1990 with a return of +18.5%, while the worst single day was Mar 9, 2020 at -21.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 8.84% | 0.99% | -0.82% | 5.73% | -5.78% | 10.23% | 19.70% | ||||||
| 2025 | 3.84% | -1.01% | -8.63% | -6.97% | 9.87% | 1.23% | -0.88% | 2.05% | -1.75% | -2.86% | 1.28% | 2.35% | -2.76% |
| 2024 | -2.18% | 3.12% | 3.74% | -7.31% | -1.76% | 0.05% | 15.18% | -3.31% | -0.33% | 13.85% | 11.16% | -4.53% | 27.86% |
| 2023 | -2.56% | 1.86% | -20.09% | 4.66% | -8.36% | 7.32% | 0.98% | -12.10% | -3.51% | -0.24% | 9.04% | 10.38% | -16.06% |
| 2022 | 11.85% | 0.36% | -1.65% | -4.42% | -4.95% | -6.83% | 11.98% | 0.33% | 1.74% | 17.27% | -5.88% | -7.84% | 8.66% |
| 2021 | 5.74% | 13.94% | 4.18% | 10.39% | 1.15% | -7.22% | -4.18% | 7.12% | 3.85% | 9.17% | -2.22% | 0.14% | 48.17% |
Benchmark Metrics
Cullen/Frost Bankers, Inc. has an annualized alpha of 10.08%, beta of 0.94, and R2 of 0.28 versus S&P 500 Index. Calculated based on daily prices since March 26, 1990.
- This stock captured 100.75% of S&P 500 Index gains but only 71.52% of its losses - a favorable profile for investors.
- R2 of 0.28 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 10.08%
- Beta
- 0.94
- R²
- 0.28
- Upside Capture
- 100.75%
- Downside Capture
- 71.52%
Return for Risk
Risk / Return Rank
CFR ranks 71 for risk / return — better than 71% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Cullen/Frost Bankers, Inc. (CFR) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CFR | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.95 | ||
| Sortino ratioReturn per unit of downside risk | -1.18 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.37 | -0.17 |
| Calmar ratioReturn relative to maximum drawdown | 1.83 | 2.78 | -0.95 |
| Martin ratioReturn relative to average drawdown | 3.61 | 12.44 | -8.83 |
Dividends
Dividend History
Cullen/Frost Bankers, Inc. provided a 2.70% dividend yield over the last twelve months, with an annual payout of $4.03 per share. The company has been increasing its dividends for 24 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $4.03 | $3.95 | $3.74 | $3.58 | $3.24 | $2.94 | $2.85 | $2.80 | $2.58 | $2.25 | $2.15 | $2.10 |
Dividend yield | 2.70% | 3.12% | 2.79% | 3.30% | 2.42% | 2.33% | 3.27% | 2.86% | 2.93% | 2.38% | 2.44% | 3.50% |
Monthly Dividends
The table displays the monthly dividend distributions for Cullen/Frost Bankers, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $1.00 | $0.00 | $0.00 | $1.03 | $0.00 | $2.03 | ||||||
| 2025 | $0.00 | $0.95 | $0.00 | $0.00 | $1.00 | $0.00 | $0.00 | $1.00 | $0.00 | $0.00 | $1.00 | $0.00 | $3.95 |
| 2024 | $0.00 | $0.92 | $0.00 | $0.00 | $0.92 | $0.00 | $0.00 | $0.95 | $0.00 | $0.00 | $0.95 | $0.00 | $3.74 |
| 2023 | $0.00 | $0.87 | $0.00 | $0.00 | $0.87 | $0.00 | $0.00 | $0.92 | $0.00 | $0.00 | $0.92 | $0.00 | $3.58 |
| 2022 | $0.00 | $0.75 | $0.00 | $0.00 | $0.75 | $0.00 | $0.00 | $0.87 | $0.00 | $0.00 | $0.87 | $0.00 | $3.24 |
| 2021 | $0.00 | $0.72 | $0.00 | $0.00 | $0.72 | $0.00 | $0.00 | $0.75 | $0.00 | $0.00 | $0.75 | $0.00 | $2.94 |
Dividend Yield & Payout
Dividend Yield
Cullen/Frost Bankers, Inc. has a dividend yield of 2.70%, which is quite average when compared to the overall market.
Payout Ratio
Cullen/Frost Bankers, Inc. has a payout ratio of 29.97%, which is quite average when compared to the overall market. This suggests that Cullen/Frost Bankers, Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Cullen/Frost Bankers, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Cullen/Frost Bankers, Inc. was 56.86%, occurring on Mar 23, 2020. Recovery took 240 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -56.86%Mar 2020 | 1y 10mo | 11mo 17d | 2y 9moMay 2018 - Mar 2021 |
1990 bear market1990 | -53.19%Dec 1990 | 5mo 25d | 7mo 23d | 1y 1moJul 1990 - Aug 1991 |
2016 bear market2016 | -46.01%Jan 2016 | 7mo | 9mo 19d | 1y 4moJun 2015 - Nov 2016 |
2023 bear market2023 | -45.62%Oct 2023 | 11mo 20d | 2y 2mo | 3y 2moNov 2022 - Jan 2026 |
Dot-com crash2000–2002 | -43.82%Oct 2001 | 9mo 28d | 2y 1mo | 2y 11moDec 2000 - Nov 2003 |
Drawdown Indicators
| CFR | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -56.86% | -56.78% | -0.08% |
Max Drawdown (1Y)Largest decline over 1 year | -12.95% | -9.10% | -3.85% |
Max Drawdown (3Y)Largest decline over 3 years | -27.43% | -18.90% | -8.53% |
Max Drawdown (5Y)Largest decline over 5 years | -45.62% | -25.43% | -20.19% |
Max Drawdown (10Y)Largest decline over 10 years | -56.86% | -33.92% | -22.94% |
Current DrawdownCurrent decline from peak | 0.00% | -1.80% | +1.80% |
Average DrawdownAverage peak-to-trough decline | -11.81% | -10.71% | -1.10% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.56% | 2.03% | +4.53% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Cullen/Frost Bankers, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Cullen/Frost Bankers, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for CFR, comparing it with other companies in the Banks - Regional industry. Currently, CFR has a P/E ratio of 10.7. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for CFR compared to other companies in the Banks - Regional industry. CFR currently has a PEG ratio of 1.0. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for CFR relative to other companies in the Banks - Regional industry. Currently, CFR has a P/S ratio of 2.6. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
Income Statement
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EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
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Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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