CFR - NYSE

Cullen/Frost Bankers, Inc.

CFR·NYSE

$134.28

-0.58%

Financial ServicesBanks - Regional

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate 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, and foreign exchange services. Further, it acts as a correspondent for approximately 171 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; and holds securities for investment purposes, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 157 financial centers and 1,650 ATMs. The company 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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$8.43B

EPS10.0200

P/E Ratio13.40

Earnings Date07/30/2026

53.04B

Assets

3Y-

5Y+25.0%

10Y+76.0%

48.47B

Total Liabilities

3Y-3.0%

5Y+27.0%

10Y+78.0%

4.57B

Total Equity

17%

3Y+46.0%

5Y+7.0%

10Y+52.0%

Cullen/Frost Bankers, Inc. Funding & Solvency Profile

CFR · NYSE

Current Assets

Cash & Cash Equivalents8.86B

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets10 B

Non-Current Assets

Property, Plant & Equipment1.31B

Goodwill & Intangible Assets0.00

Long-Term Investments39.93B

Other Non-Current Assets1.81B

Total Non-Current Assets43 B

Total Assets

53.04B

Financial Health Analysis

Current Ratio

0.21x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

10.60x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-37479487000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

19% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Cullen/Frost Bankers, Inc. Balance Sheet

CFR • NYSE

Cullen/Frost Bankers, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	8.9B	10.2B	8.6B	11.8B	16.5B	10.3B	3.4B	3.3B	4.9B	4.1B	3.5B	4.3B	4.5B	3.4B	2.9B	2.8B	1.7B	1.2B	842.4M	709.4M
Short-Term Investments	1.1B	15B	16.6B	18.2B	13.9B	10.4B	11.3B	11.4B	10.5B	10.2B	9.2B	8.5B	5.9B	6.2B	7.8B	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	10B	25.3B	25.2B	30.1B	30.5B	20.7B	14.7B	14.7B	15.4B	14.3B	12.7B	12.8B	10.4B	9.6B	10.7B	2.8B	1.7B	1.2B	842.4M	709.4M
Net Receivables	0.0	0.0	0.0	1.1B	612.5M	584.6M	440.7M	457.7M	400.9M	396.7M	341.2M	341.5M	284.5M	292.3M	363.7M	360.4M	420.9M	547.9M	290.2M	258M
Accounts Receivables	0.0	0.0	0.0	1.1B	612.5M	584.6M	440.7M	457.7M	400.9M	396.7M	340M	341.5M	284.5M	292.3M	363.7M	360.4M	420.9M	547.9M	290.2M	258M
Total Current Assets	10B	25.3B	25.2B	31.1B	31.1B	21.3B	15.1B	15.2B	15.8B	14.7B	13.1B	13.1B	10.7B	9.9B	11B	3.1B	2.1B	1.7B	1.1B	967.3M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	1.3B	1.2B	1.2B	1.1B	1.1B	1B	1B	552.3M	521M	525.8M	559.1M	442.2M	313.3M	315.9M	319M	316.9M	324.1M	267M	219.6M	219.5M
Goodwill	0.0	0.0	0.0	655M	655M	655M	655M	655M	655M	655M	654.7M	654.7M	536.6M	535.5M	528.1M	527.7M	527.7M	526.6M	0.0	0.0
Intangible Assets	0.0	0.0	0.0	386K	866K	1.6M	2.5M	3.6M	5.1M	6.8M	8.8M	12.1M	6.3M	8.1M	10.6M	14.3M	19.5M	24.3M	290.2M	258M
Goodwill & Intangible Assets	0.0	0.0	0.0	655.3M	655.8M	656.5M	657.4M	658.6M	660M	661.7M	663.5M	666.8M	543M	543.7M	538.7M	542M	547.1M	550.8M	558.4M	562.6M
Long-Term Investments	39.9B	24B	22.2B	19.6B	17.8B	19.2B	16.6B	15.1B	14.4B	14.1B	14B	13.8B	12.6B	12.1B	8.3B	13.4B	13.1B	12.3B	11.1B	10.6B
Other Non-Current Assets	1.8B	2B	2.3B	425.9M	257.3M	215.2M	567.8M	842.6M	361.5M	213.3M	258.7M	218.3M	181.8M	252.5M	166.9M	206.3M	146.8M	220.9M	482.2M	856.4M
Total Non-Current Assets	43.1B	27.3B	25.7B	21.8B	19.8B	21.1B	18.9B	17.1B	16B	15.5B	15.5B	15.1B	13.6B	13.2B	9.3B	14.5B	14.2B	13.3B	12.4B	12.3B
Total Assets	53B	52.5B	50.8B	52.9B	50.9B	42.4B	34B	32.3B	31.7B	30.2B	28.6B	28.3B	24.3B	23.1B	20.3B	17.6B	16.3B	15B	13.5B	13.2B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	866.3M	754.3M	730.2M	545.7M	172.3M	195.1M	169.1M	202.5M	250.2M	218M	424.4M	331M	226.6M	205.6M	295.7M	144.9M	166.6M
Accounts Payable	0.0	0.0	0.0	866.3M	754.3M	730.2M	545.7M	172.3M	195.1M	169.1M	202.5M	250.2M	218M	424.4M	331M	226.6M	205.6M	295.7M	144.9M	166.6M
Short Term Debt	4.5B	4.4B	4.1B	4.7B	2.8B	2.1B	1.7B	1.4B	1.1B	977M	893.5M	803.1M	668.3M	561.1M	722.2M	475.7M	738.6M	1.3B	933.1M	864.2M
Other Current Liabilities	42.9B	42.7B	41.9B	44B	42.7B	35B	27.6B	27.1B	26.9B	25.8B	24.3B	24.1B	20.7B	19.5B	16.8B	14.5B	13.3B	11.5B	10.5B	10.4B
Total Current Liabilities	47.5B	47.1B	46.1B	49.5B	46.2B	37.9B	29.9B	28.7B	28.2B	27B	25.4B	25.2B	21.6B	20.5B	17.8B	15.2B	14.3B	13.1B	11.6B	11.4B
NON-CURRENT LIABILITIES
Long Term Debt	223M	222.8M	222.6M	222.4M	222.2M	235.4M	235.2M	235M	234.7M	236.1M	235.9M	237.1M	223.7M	223.7M	223.7M	373.8M	392.6M	136.1M	400.3M	428.6M
Other Non-Current Liabilities	782.8M	1.3B	844M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-256.6M	0.0	0.0	0.0
Total Non-Current Liabilities	1B	1.5B	1.1B	222.4M	222.2M	235.4M	235.2M	235M	234.7M	236.1M	235.9M	237.1M	223.7M	223.7M	223.7M	373.8M	136.1M	136.1M	400.3M	428.6M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	295.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	48.5B	48.6B	47.1B	49.8B	46.4B	38.1B	30.1B	28.9B	28.5B	27.2B	25.7B	25.4B	21.8B	20.7B	18B	15.6B	14.4B	13.3B	12B	11.8B
SHAREHOLDERS' EQUITY
Treasury Stock	-139.6M	-22.6M	-23.9M	0.0	-20.7M	-113.9M	-151.6M	-119.9M	-67.2M	-10.3M	-111.2M	-32.3M	-70.9M	0.0	-372K	0.0	-10.8M	-43.6M	-82.1M	0.0
Preferred Stock	145.5M	145.5M	145.5M	145.5M	145.5M	145.5M	144.5M	144.5M	144.5M	144.5M	144.5M	144.5M	144.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	644K	644K	644K	643K	642K	642K	642K	642K	642K	637K	637K	637K	617K	615K	613K	611K	602K	602K	602K	598K
Additional Paid-In Capital	1.1B	1.1B	1.1B	1B	1B	997.2M	983.3M	967.3M	953.4M	906.7M	897.4M	886.5M	724.2M	703M	680.8M	657.3M	600.4M	589.1M	573.8M	548.1M
Retained Earnings	4.3B	4B	3.7B	3.3B	3B	2.8B	2.7B	2.4B	2.2B	2B	1.8B	1.7B	1.6B	1.5B	1.4B	1.2B	1.2B	1.1B	992.1M	883.1M
Accumulated Other Comprehensive Income/Loss	-843M	-1.3B	-1.1B	-1.3B	347.3M	513M	267.4M	-63.6M	79.5M	-24.6M	113.9M	141.8M	140.4M	238M	247.7M	154.3M	154.2M	137.3M	-7.4M	-54.9M
Total Stockholders' Equity	4.6B	3.9B	3.7B	3.1B	4.4B	4.3B	3.9B	3.4B	3.3B	3B	2.9B	2.9B	2.5B	2.4B	2.3B	2.1B	1.9B	1.8B	1.5B	1.4B
Total Equity	4.6B	3.9B	3.7B	3.1B	4.4B	4.3B	3.9B	3.4B	3.3B	3B	2.9B	2.9B	2.5B	2.4B	2.3B	2.1B	1.9B	1.8B	1.5B	1.4B
SUMMARY
Total Liabilities & Equity	53B	52.5B	50.8B	52.9B	50.9B	42.4B	34B	32.3B	31.7B	30.2B	28.6B	28.3B	24.3B	23.1B	20.3B	17.6B	16.3B	15B	13.5B	13.2B
Total Investments	41B	39.1B	38.8B	37.8B	31.8B	29.6B	27.9B	26.5B	24.9B	24.3B	23.2B	22.3B	18.5B	18.3B	16B	13.4B	13.1B	12.3B	11.1B	10.6B
Total Debt	4.8B	4.6B	4.4B	4.9B	3B	2.4B	1.9B	1.6B	1.4B	1.2B	1.1B	1B	892M	784.8M	945.9M	849.4M	1.1B	1.5B	1.3B	1.3B
Net Debt	-4.1B	-5.6B	-4.2B	-6.9B	-13.6B	-7.9B	-1.5B	-1.7B	-3.5B	-2.9B	-2.4B	-3.3B	-3.6B	-2.7B	-1.9B	-1.9B	-584.9M	313.7M	491M	583.5M
Shares Outstanding	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198	64,188,198

SEC Filings

CFR - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	April 30, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 30, 2026	April 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 29, 2026	2026	View Filing
DEF 14A DEF 14A 2025 N/A	March 20, 2026	December 31, 2025	2025	View Filing
8-K/A 8-K/A 2026 (Amended) N/A	March 03, 2026	February 11, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 11, 2026	February 11, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 05, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 29, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	October 30, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 371 filings

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