← CULLEN/FROST BANKERS, INC. CFR
Market Price
$170.13
Market Cap
$10.59B
P/E Ratio
17.15
Revenue (FY 2025)
↑14.4% YoY
$121.57M
3-Yr CAGR: 9.8%
Net Income
↑11.3% YoY
$648.56M
Net Margin: 533.5%
Free Cash Flow
↓-85.2% YoY
$127.33M
FCF Yield: 1.20%
EPS (Diluted)
↑11.8% YoY
$9.92
Basic: $9.92
Return on Equity
Efficiency
14.2%
ROA: 1.2%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CFR)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2023: Revenue YoY (+1.8%) is identical to Gross Profit YoY (+1.8%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+13.6%) is identical to Gross Profit YoY (+13.6%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+14.4%) is identical to Gross Profit YoY (+14.4%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $1,126.0M | — | $1,114.0M | $304.3M | — | $4.70 | — | $437.8M | $384.2M | — |
| FY 2017 | $1,202.9M | +6.8% | $1,176.4M | $364.1M | +19.7% | $5.51 | +17.2% | $538.1M | $504.0M | +31.2% |
| FY 2018 | $1,309.2M | +8.8% | $1,215.9M | $454.9M | +24.9% | $6.90 | +25.2% | $562.4M | $483.1M | -4.1% |
| FY 2019 | $1,367.9M | +4.5% | $1,238.1M | $443.6M | -2.5% | $6.84 | -0.9% | $634.1M | $427.4M | -11.5% |
| FY 2020 | $80.9M | -94.1% | $35.8M | $331.2M | -25.3% | $5.10 | -25.4% | $524.2M | $428.8M | +0.3% |
| FY 2021 | $83.3M | +3.0% | $59.4M | $443.1M | +33.8% | $6.76 | +32.5% | $648.3M | $582.4M | +35.8% |
| FY 2022 | $91.9M | +10.3% | $91.9M | $579.1M | +30.7% | $8.81 | +30.3% | $722.6M | $620.1M | +6.5% |
| FY 2023 | $93.5M | +1.8% | $93.5M | $598.0M | +3.3% | $9.10 | +3.3% | $478.8M | $320.2M | -48.4% |
| FY 2024 | $106.2M | +13.6% | $106.2M | $582.5M | -2.6% | $8.87 | -2.5% | $989.5M | $861.8M | +169.1% |
| FY 2025 | $121.6M | +14.4% | $121.6M | $648.6M | +11.3% | $9.92 | +11.8% | $274.0M | $127.3M | -85.2% |
Valuation
Market Price
$170.13
Market Cap
$10.59B
Enterprise Value
N/A
P/E Ratio
17.15
P/B Ratio
2.34
FCF Yield
1.20%
Dividend Yield
26.16%
Shares Outstanding
Profitability & Margins
Gross Margin
15.08%
Operating Margin
634.77%
Net Margin
533.48%
Return on Equity (ROE)
14.18%
Return on Assets (ROA)
1.22%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
9.78%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
N/A
Total Debt
N/A
Book Value / Share
$72.82
Cash Flow Efficiency
Operating Cash Flow
$273.98M
Capital Expenditures (CapEx)
$146.65M
Free Cash Flow
$127.33M
OCF / Revenue
225.36%
FCF / Revenue
104.73%
FCF 3-Yr CAGR
-41.00%
Per Share Metrics
EPS (Diluted)
$9.92
EPS (Basic)
$9.92
Dividends / Share
$44.50
Book Value / Share
$72.82
EPS YoY Growth
11.84%
Balance Sheet (FY 2025)
Total Assets
$53.04B
Total Liabilities
$48.47B
Stockholders' Equity
$4.57B
Current Assets
N/A
Current Liabilities
N/A