Cullen/Frost Bankers, Inc. (CFR)
Company Info
Highlights
$8.03B
$9.11
13.70
4.64
$2.47B
$2.37B
$605.83M
$92.03 - $145.63
$131.64
3.84%
3.39
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Cullen/Frost Bankers, Inc. (CFR) returned -6.36% year-to-date (YTD) and 19.39% over the past 12 months. Over the past 10 years, CFR returned 8.42% annually, underperforming the S&P 500 benchmark at 10.46%.
CFR
-6.36%
16.81%
-9.07%
19.39%
16.86%
8.42%
^GSPC (Benchmark)
-3.77%
7.44%
-5.60%
8.37%
14.12%
10.46%
Monthly Returns
The table below presents the monthly returns of CFR, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 3.84% | -1.01% | -8.63% | -6.97% | 7.18% | -6.36% | |||||||
| 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% | -8.35% | 7.32% | 0.98% | -12.10% | -3.51% | -0.24% | 9.04% | 10.38% | -16.05% |
| 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% |
| 2020 | -8.82% | -11.36% | -28.83% | 28.80% | 6.68% | -1.66% | -3.55% | -2.65% | -7.93% | 9.88% | 20.40% | 3.96% | -7.58% |
| 2019 | 10.62% | 7.27% | -6.38% | 4.76% | -9.58% | 2.62% | 1.37% | -11.80% | 6.67% | 1.73% | 4.65% | 4.51% | 14.60% |
| 2018 | 12.42% | -1.75% | 2.00% | 7.90% | 0.40% | -5.24% | 2.08% | 0.96% | -5.82% | -6.24% | 3.14% | -12.34% | -4.84% |
| 2017 | 1.33% | 4.04% | -3.78% | 6.09% | -2.30% | 2.45% | -3.33% | -6.62% | 12.73% | 3.77% | 0.49% | -3.82% | 9.93% |
| 2016 | -20.23% | 1.25% | 14.98% | 16.11% | 5.40% | -4.74% | 6.53% | 8.19% | -1.32% | 5.63% | 9.03% | 7.19% | 51.99% |
| 2015 | -11.81% | 9.64% | 1.89% | 5.59% | 1.37% | 7.04% | -7.80% | -9.98% | -1.67% | 7.64% | 2.74% | -14.03% | -12.41% |
| 2014 | -0.55% | 1.52% | 3.87% | -1.44% | -1.36% | 6.09% | -1.83% | 1.46% | -2.66% | 5.62% | -7.01% | -5.38% | -2.55% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of CFR is 73, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Cullen/Frost Bankers, Inc. (CFR) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Cullen/Frost Bankers, Inc. provided a 3.02% dividend yield over the last twelve months, with an annual payout of $3.77 per share. The company has been increasing its dividends for 31 consecutive years, earning it the status of a dividend aristocrat.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $3.77 | $3.74 | $3.58 | $3.24 | $2.94 | $2.85 | $2.80 | $2.58 | $2.25 | $2.15 | $2.10 | $2.03 |
Dividend yield | 3.02% | 2.79% | 3.30% | 2.42% | 2.33% | 3.27% | 2.86% | 2.93% | 2.38% | 2.44% | 3.50% | 2.87% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.95 | $0.00 | $0.00 | $0.00 | $0.95 | |||||||
| 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 |
| 2020 | $0.00 | $0.71 | $0.00 | $0.00 | $0.71 | $0.00 | $0.00 | $0.71 | $0.00 | $0.00 | $0.72 | $0.00 | $2.85 |
| 2019 | $0.00 | $0.67 | $0.00 | $0.00 | $0.71 | $0.00 | $0.00 | $0.71 | $0.00 | $0.00 | $0.71 | $0.00 | $2.80 |
| 2018 | $0.00 | $0.57 | $0.00 | $0.00 | $0.67 | $0.00 | $0.00 | $0.67 | $0.00 | $0.00 | $0.67 | $0.00 | $2.58 |
| 2017 | $0.00 | $0.54 | $0.00 | $0.00 | $0.57 | $0.00 | $0.00 | $0.57 | $0.00 | $0.00 | $0.57 | $0.00 | $2.25 |
| 2016 | $0.00 | $0.53 | $0.00 | $0.00 | $0.54 | $0.00 | $0.00 | $0.54 | $0.00 | $0.00 | $0.54 | $0.00 | $2.15 |
| 2015 | $0.00 | $0.51 | $0.00 | $0.00 | $0.53 | $0.00 | $0.00 | $0.53 | $0.00 | $0.00 | $0.53 | $0.00 | $2.10 |
| 2014 | $0.50 | $0.00 | $0.00 | $0.51 | $0.00 | $0.00 | $0.51 | $0.00 | $0.00 | $0.51 | $0.00 | $2.03 |
Dividend Yield & Payout
Dividend Yield
Cullen/Frost Bankers, Inc. has a dividend yield of 3.02%, which is quite average when compared to the overall market.
Payout Ratio
Cullen/Frost Bankers, Inc. has a payout ratio of 41.38%, 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.
The current Cullen/Frost Bankers, Inc. drawdown is 14.76%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -56.86% | May 22, 2018 | 462 | Mar 23, 2020 | 240 | Mar 5, 2021 | 702 |
| -53.19% | Jul 2, 1990 | 122 | Dec 24, 1990 | 160 | Aug 14, 1991 | 282 |
| -46.01% | Jun 29, 2015 | 145 | Jan 25, 2016 | 202 | Nov 9, 2016 | 347 |
| -45.62% | Nov 9, 2022 | 241 | Oct 25, 2023 | — | — | — |
| -43.81% | Dec 29, 2000 | 202 | Oct 23, 2001 | 526 | Nov 24, 2003 | 728 |
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.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Cullen/Frost Bankers, Inc., comparing actual results with analytics estimates. The company has exceeded analyst expectations for EPS in the past quarter, achieving a 6.0% positive surprise.
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 13.7. 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 4.6. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
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 3.9. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for CFR in comparison with other companies in the Banks - Regional industry. Currently, CFR has a P/B value of 2.0. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
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