PortfoliosLab logoPortfoliosLab logo
ISIN
US2298991090
CUSIP
229899109
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


Loading charts...

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


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.


Loading charts...

S&P 500 Index

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%
*Multi-year figures are annualized to reflect compound growth (CAGR)

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%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20268.84%0.99%-0.82%5.73%-5.78%10.23%19.70%
20253.84%-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%
202211.85%0.36%-1.65%-4.42%-4.95%-6.83%11.98%0.33%1.74%17.27%-5.88%-7.84%8.66%
20215.74%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
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.


CFR Risk / Return Rank: 7171
Overall Rank
CFR Sharpe Ratio Rank: 7474
Sharpe Ratio Rank
CFR Sortino Ratio Rank: 6868
Sortino Ratio Rank
CFR Omega Ratio Rank: 6767
Omega Ratio Rank
CFR Calmar Ratio Rank: 7474
Calmar Ratio Rank
CFR Martin Ratio Rank: 7171
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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.


CFRBenchmarkDifference
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.


2.40%2.60%2.80%3.00%3.20%3.40%$0.00$1.00$2.00$3.00$4.0020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
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.


Loading charts...

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 10mo11mo 17d
2y 9moMay 2018 - Mar 2021
1990 bear market1990
-53.19%Dec 1990
5mo 25d7mo 23d
1y 1moJul 1990 - Aug 1991
2016 bear market2016
-46.01%Jan 2016
7mo9mo 19d
1y 4moJun 2015 - Nov 2016
2023 bear market2023
-45.62%Oct 2023
11mo 20d2y 2mo
3y 2moNov 2022 - Jan 2026
Dot-com crash2000–2002
-43.82%Oct 2001
9mo 28d2y 1mo
2y 11moDec 2000 - Nov 2003

Drawdown Indicators


CFRBenchmarkDifference

Max Drawdown

Largest 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 Drawdown

Current decline from peak

0.00%

-1.80%

+1.80%

Average Drawdown

Average peak-to-trough decline

-11.81%

-10.71%

-1.10%

Ulcer Index

Depth 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.


Loading charts...

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.


Annual
Quarterly

0.0

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



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

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

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
Portfolio Analyzer

Build a portfolio with CFR

Add Cullen/Frost Bankers, Inc. to a portfolio and analyze allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.

Open Portfolio Analyzer with CFR