Cullen/Frost Bankers, Inc. (New York Stock Exchange:CFR)

US · Delayed Price · Currency is USD

Financial Services · Banks - Regional

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160.30+2.70 (+1.71%)

Market cap

$9.97B

Insider Score

Not scored

Health Score

80 Strong

Analyst consensus

Hold

Listed since

Mar 17, 1980

Website

frostbank.com

Insider Score

––Not scored

CFR Insider Score

Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.

See stocks that are scored

Financial Health Score

Strong

From CFR’s reported statements · Q3 2026 (trailing 12 months)

Profitability20 / 20

Keeps a healthy share of every dollar it sells.

Revenue: $2.67B
Net income: $689.5M
Net margin: 25.9%

Leverage20 / 20

Little or no net debt.

Total debt: $5.36B
Cash: $7.10B
Net debt / EBITDA: -1.67x

Liquidity0 / 20

Owes more within a year than it holds to pay it.

Current assets: $962.6M
Current liabilities: $49.36B
Current ratio: 0.02

Cash generation20 / 20

The business funds itself from operations.

Operating cash flow: $763.6M
Free cash flow: $578.5M
FCF margin: 21.7%

Dilution & runway20 / 20

Not funding itself by issuing shares.

Shares outstanding: 62.1M
Share growth (1y): -3.1%

Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.

CFR Income Statement

Fiscal Period	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025
Revenue	767.74 M	576.97 M	574.84 M	745.92 M	745.56 M	719.23 M
Revenue Growth (YoY)	2.97 %	-19.78 %	-18.94 %	3.10 %	3.28 %	1.66 %
Cost of Revenue	176.00 M	6.75 M	6.75 M	176.27 M	185.08 M	185.48 M
Gross Profit	591.74 M	570.23 M	568.09 M	569.65 M	560.49 M	533.75 M
SG&A Expense	297.82 M	287.27 M	287.27 M	264.09 M	209.95 M	201.56 M
R&D Expense	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses	377.20 M	365.69 M	365.69 M	371.67 M	352.48 M	347.13 M
Operating Income	214.54 M	204.54 M	202.41 M	197.98 M	208.01 M	186.62 M
Pretax Income	214.54 M	204.54 M	202.41 M	197.98 M	208.01 M	186.62 M
Tax Provision	34.33 M	32.48 M	31.42 M	31.73 M	33.63 M	29.62 M
Net Income	180.21 M	172.06 M	170.99 M	166.25 M	174.38 M	157.00 M
EPS (Basic)	2.84	2.70	2.65	2.59	2.67	2.39
EPS (Diluted)	2.84	2.70	2.65	2.56	2.67	2.39
Shares Outstanding	62.12 M	62.78 M	63.59 M	63.59 M	64.08 M	64.28 M

Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.

Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.