What You Need to Know About Cullen/Frost Bankers, Inc.'s Q3 Earnings
Cullen/Frost Bankers, Inc.'s fiscal Q3 earnings report was released on Thursday, July 30. Let's dive in to see if (CFR) missed or beat analyst's expectations.Michael Rose
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COMPANY SUMMARY
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.
Commentary & Analysis
Is Cullen/Frost Bankers, Inc. (CFR) Overvalued?
We dive into why Cullen/Frost Bankers, Inc. (CFR) could be considered overvalued on 2026-07-23, based on AAII’s Value Score and Grade.Jenna Brashear
Which Is a Better Investment, Citizens Financial Group, Inc. or Cullen/Frost Bankers, Inc. Stock?
Learn more about whether Citizens Financial Group, Inc. or Cullen/Frost Bankers, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Which Is a Better Investment, Cullen/Frost Bankers, Inc. or Canadian Imperial Bank of Commerce Stock?
Learn more about whether Cullen/Frost Bankers, Inc. or Canadian Imperial Bank of Commerce is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Which Is a Better Investment, Cullen/Frost Bankers, Inc. or Huntington Bancshares Incorporated Stock?
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Financial Summary
| Share Statistics | CFR | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $10,242.7 | $751.0 | 78% |
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| Shares Out (Mil) | 62.5 | 15.4 | 53% |
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| Institutional Ownership | 98.6% | 83.2% | 80% |
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| Float (Mil) | 61.3 | 21.8 | 52% |
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| Beta | 0.53 | 0.43 | 30% |
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| Avg Daily Volume (000s) | 484 | 42 | 57% |
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| Price Change (52-week) |
31.4% | 94.6% | 70% |
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| Growth | CFR | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 12.8% | 7.7% | 67% |
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| Net Income (5yr) | 14.4% | 11.1% | 62% |
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| EPS (5yr) | 14.2% | 10.1% | 54 |
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| Dividends (5yr) | 6.7% | 3.6% | 96% |
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| Cash Flow (5yr) | (17.1%) | (17.1%) | 41% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 11 | 12 | 13 | |
| Current EPS | $2.797 | $10.991 | $11.698 | |
| Month Ago EPS | $2.696 | $10.695 | $11.100 | |
| # Rev Up | 0 | 0 | 0 | |
| # Rev Down | 0 | 1 | 1 | |
| Three Months Ago EPS | $2.680 | $10.616 | $11.008 | |
| Year/Year Chg | 3.7% | 10.8% | 17.3% | |
| Financials | CFR | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $2,265 | $196 | 62% |
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| Net Income (TTM) (Mil) | $684 | $55 | 82% |
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| EPS (TTM) | $10.575 | $2.600 | 95% |
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| Operating Cash Flow (TTM) (Mil) | $720 | $36 | 76% |
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| Net Cash Flow (TTM) (Mil) | ($649) | $2 | 5% |
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| Long-Term Debt (Q1) (Mil) | $513 | $101 | 59% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CFR | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.29 | 1.25 | 55% |
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| P/E | 15.6 | 12.5 | 39% |
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| Dividend Yield | 2.5% | 2.2% | 81% |
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| PEG (5yr hist) | 1.1 | 1.1 | 48% |
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| Ratios | CFR | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 30.2% | 29.1% | 89% |
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| ROA | 1.3% | 1.1% | 50% |
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| ROE | 16.0% | 11.3% | 73% |
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| Liabilities to Assets | 91.4% | 89.7% | 88% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
