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Cullen/Frost Bankers, Inc. (CFR)

Financial Services | Banks - Regional | San Antonio, United States | NYSE
157.90 USD +1.04 (0.663%) ⇧ (July 13, 2026, 4 p.m. EDT)
After hours: 157.90

Short-term:★★★★☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take | July 11, 2026, 3:59 a.m. EDT

Cullen/Frost Bankers presents a compelling case for investors seeking stability combined with steady appreciation. The company's fundamentals are robust, evidenced by a 15.5% return on equity and a consistent nine-year price trajectory that has more than doubled in value. While the revenue growth of roughly 8% falls short of the explosive rates seen in technology leaders, it remains healthy for the banking sector, supporting a solid long-term buy rating. The recent price action is particularly noteworthy; the stock has climbed steadily over the last two weeks to trade near its 52-week high, creating a high-conviction short-term opportunity for momentum traders. On the income front, the dividend is reliable and well-covered with a payout ratio under 40%, ensuring sustainability even if earnings fluctuate. However, the valuation is not distressed; the forward P/E of 14x reflects the quality of the business rather than a bargain. Investors should expect a balanced portfolio contribution with moderate upside potential rather than a speculative turnaround play.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.038927
AutoETS0.039960
AutoARIMA0.039973
MSTL0.040417

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 61%
H-stat 0.56
Ljung-Box p 0.000
Jarque-Bera p 0.288
Excess Kurtosis -0.77
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-28
Last Dividend Date 2026-05-28
Revenue per Share 35.003
Market Cap 9,915,653,120
Trailing P/E 15.37
Forward P/E 14.19
Beta 0.53
Profit Margins 29.96%
Website https://www.frostbank.com

As of July 11, 2026, 3:59 a.m. EDT: Implied volatility sits in a moderate range between 23% and 32% across expirations. Open interest is heavily concentrated at the 155 strike, which acts as the current ATM anchor for both calls and puts, suggesting traders view the current price as a fair value pivot point. Call volume exceeds put volume in the near-term months, indicating a slight bullish bias among speculators, though significant put open interest at the October expiration suggests some hedging activity against a potential mid-term correction.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.76% 3.07% 3.25% 2.98%
Dividend History
Date Dividend Yield %
2026-05-29 1.0300 0.760035
2026-02-27 1.0000 0.723484
2025-11-28 1.0000 0.808277
2025-08-29 1.0000 0.775014
2025-05-30 1.0000 0.787526
2025-02-28 0.9500 0.693279
2024-11-29 0.9500 0.675580
2024-08-30 0.9500 0.846476
2024-05-31 0.9200 0.905690
2024-02-28 0.9200 0.862473
2023-11-29 0.9200 0.935435
2023-08-30 0.9200 0.970771
2023-05-30 0.8700 0.834132
2023-02-27 0.8700 0.660592
2022-11-29 0.8700 0.598514
2022-08-30 0.8700 0.666003
2022-05-27 0.7500 0.597467
2022-02-25 0.7500 0.535179
2021-11-29 0.7500 0.577101
2021-08-30 0.7500 0.662427
2021-05-27 0.7200 0.596965
2021-02-25 0.7200 0.675612
2020-11-27 0.7200 0.826636
2020-08-28 0.7100 1.001128
2020-05-28 0.7100 0.928712
2020-02-27 0.7100 0.858525
2019-11-27 0.7100 0.757414
2019-08-29 0.7100 0.864799
2019-05-30 0.7100 0.762621
2019-02-27 0.6700 0.645161
2018-11-29 0.6700 0.674587
2018-08-30 0.6700 0.600305
2018-05-30 0.6700 0.579685
2018-02-27 0.5700 0.540438
2017-11-29 0.5700 0.565308
2017-08-29 0.5700 0.681900
2017-05-26 0.5700 0.617017
2017-02-24 0.5400 0.581708
2016-11-28 0.5400 0.667986
2016-08-29 0.5400 0.747405
2016-05-26 0.5400 0.817315
2016-02-25 0.5300 1.097990
2015-11-25 0.5300 0.760729
2015-08-27 0.5300 0.832417
2015-05-27 0.5300 0.715443
2015-02-25 0.5100 0.743549
2014-11-25 0.5100 0.654349
2014-08-27 0.5100 0.649268
2014-05-28 0.5100 0.681818
2014-02-26 0.5000 0.677415
2013-11-26 0.5000 0.696961
2013-08-28 0.5000 0.693674
2013-05-29 0.5000 0.778695
2013-02-27 0.4800 0.796945
2012-11-28 0.4800 0.881057
2012-08-29 0.4800 0.856684
2012-05-30 0.4800 0.844476
2012-02-28 0.4600 0.811144
2011-11-29 0.4600 0.973751
2011-08-30 0.4600 0.915787
2011-05-27 0.4600 0.804618
2011-02-25 0.4500 0.757703
2010-11-29 0.4500 0.831332
2010-08-30 0.4500 0.885304
2010-05-27 0.4500 0.808335
2010-02-25 0.4300 0.797330
2009-11-27 0.4300 0.920574
2009-08-28 0.4300 0.875229
2009-05-28 0.4300 0.893599
2009-02-25 0.4200 0.988933
2008-11-26 0.4200 0.778210
2008-08-27 0.4200 0.772911
2008-05-28 0.4200 0.759219
2008-02-27 0.4000 0.726085
2007-11-28 0.4000 0.763504
2007-08-29 0.4000 0.773545
2007-05-30 0.4000 0.748643
2007-02-27 0.3400 0.628466
2006-11-29 0.3400 0.623968
2006-08-30 0.3400 0.577152
2006-05-30 0.3400 0.604122
2006-02-27 0.3000 0.543577
2005-11-29 0.3000 0.552486
2005-08-30 0.3000 0.623182
2005-05-27 0.3000 0.672797
2005-02-25 0.2650 0.572354
2004-11-29 0.2650 0.549793
2004-08-30 0.2650 0.588889
2004-05-27 0.2650 0.607798
2004-02-26 0.2400 0.578313
2003-11-26 0.2400 0.595534
2003-08-28 0.2400 0.642915
2003-05-29 0.2400 0.738234
2003-02-27 0.2200 0.707395
2002-12-04 0.2200 0.692042
2002-09-04 0.2200 0.607903
2002-06-05 0.2200 0.589023
2002-03-06 0.2150 0.609238
2001-12-05 0.2150 0.774496
2001-06-06 0.2150 0.636660
2001-03-07 0.1950 0.522088
2000-12-06 0.1950 0.571429
2000-09-06 0.1950 0.627767
2000-06-07 0.1950 0.705882
2000-02-28 0.1750 0.823529
1999-11-26 0.1750 0.636364
1999-08-30 0.1750 0.671463
1999-05-27 0.1750 0.629921
1999-02-24 0.1500 0.645161
1998-11-25 0.1500 0.558140
1998-08-28 0.1500 0.690647
1998-05-27 0.1500 0.551091
1998-02-25 0.1250 0.437158
1997-11-25 0.1250 0.475059
1997-08-27 0.1250 0.564972
1997-05-28 0.1250 0.636943
1997-02-26 0.1050 0.575342
1996-11-26 0.1050 0.619926
1996-08-28 0.1050 0.711864
1996-05-30 0.1050 0.811594
1996-03-07 0.0875 0.669856
1995-11-29 0.0875 0.696517
1995-08-30 0.0875 0.748663
1995-05-25 0.0550 0.553459
1995-02-23 0.0550 0.602740
1994-11-25 0.0550 0.736402
1994-08-26 0.0375 0.394737
1994-05-25 0.0375 0.410959
1994-02-23 0.0375 0.436364
Additional Data
dividendRate 4.12
dividendYield 2.63
exDividendDate 2026-05-29
trailingAnnualDividendRate 4.0
trailingAnnualDividendYield 0.025500447
lastDividendValue 1.03
lastDividendDate 2026-05-29
dividendDate 2026-06-15

Info Dump

Attribute Value
52 Week Change 0.14071703
Address1 111 West Houston Street
All Time High 160.6
All Time Low 1.3125
Ask 0.0
Ask Size 100
Audit Risk 2
Average Analyst Rating 2.9 - Hold
Average Daily Volume10 Day 557,870
Average Daily Volume3 Month 575,116
Average Volume 575,116
Average Volume10Days 557,870
Beta 0.527
Bid 0.0
Bid Size 100
Board Risk 3
Book Value 69.832
City San Antonio
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 157.9
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 158.2
Day Low 156.49
Display Name Cullen/Frost Bankers
Dividend Date 1,781,481,600
Dividend Rate 4.12
Dividend Yield 2.63
Earnings Call Timestamp End 1,785,441,600
Earnings Call Timestamp Start 1,785,441,600
Earnings Growth 0.152
Earnings Quarterly Growth 0.133
Earnings Timestamp 1,785,414,600
Earnings Timestamp End 1,785,414,600
Earnings Timestamp Start 1,785,414,600
Ebitda Margins 0.0
Enterprise To Revenue 3.37
Enterprise Value 7,521,085,952
Eps Current Year 10.68523
Eps Forward 11.12674
Eps Trailing Twelve Months 10.27
Esg Populated 0
Ex Dividend Date 1,780,012,800
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 143.8034
Fifty Day Average Change 14.096588
Fifty Day Average Change Percent 0.098026805
Fifty Two Week Change Percent 14.071703
Fifty Two Week High 158.2
Fifty Two Week High Change -0.30000305
Fifty Two Week High Change Percent -0.0018963531
Fifty Two Week Low 119.0
Fifty Two Week Low Change 38.899994
Fifty Two Week Low Change Percent 0.3268907
Fifty Two Week Range 119.0 - 158.2
Financial Currency USD
First Trade Date Milliseconds 322,151,400,000
Five Year Avg Dividend Yield 2.89
Float Shares 61,924,797
Forward Eps 11.12674
Forward P E 14.191038
Full Exchange Name NYSE
Full Time Employees 6,008
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 2,231,973,120
Has Pre Post Market Data 1
Held Percent Insiders 0.06079
Held Percent Institutions 0.92687
Implied Shares Outstanding 62,797,048
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website https://www.frostbank.com/Pages/Investor-Relations.aspx
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,780,012,800
Last Dividend Value 1.03
Last Fiscal Year End 1,767,139,200
Last Split Date 930,096,000
Last Split Factor 2:1
Long Business 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.
Long Name Cullen/Frost Bankers, Inc.
Market us_market
Market Cap 9,915,653,120
Market State PREPRE
Max Age 86,400
Message Board Id finmb_265176
Most Recent Quarter 1,774,915,200
Net Income To Common 654,872,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 9,850,344,949
Number Of Analyst Opinions 14
Open 157.78
Operating Cashflow 807,411,968
Operating Margins 0.36897
Overall Risk 2
Payout Ratio 0.38950002
Peg Ratio 4.38
Phone 210 220 4011
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 157.9
Post Market Time 1,783,980,945
Previous Close 156.86
Price Eps Current Year 14.777407
Price Hint 2
Price To Book 2.2611408
Price To Sales Trailing12 Months 4.44255
Profit Margins 0.29957
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 2.93333
Region US
Regular Market Change 1.03999
Regular Market Change Percent 0.663007
Regular Market Day High 158.2
Regular Market Day Low 156.49
Regular Market Day Range 156.49 - 158.2
Regular Market Open 157.78
Regular Market Previous Close 156.86
Regular Market Price 157.9
Regular Market Time 1,783,972,802
Regular Market Volume 399,335
Return On Assets 0.01277
Return On Equity 0.15469
Revenue Growth 0.078
Revenue Per Share 35.003
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 62,797,048
Shares Percent Shares Out 0.0004
Shares Short 23,807
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 13,547
Short Name Cullen/Frost Bankers, Inc.
Short Percent Of Float 0.0004
Short Ratio 0.04
Source Interval 15
State TX
Symbol CFR
Target High Price 169.0
Target Low Price 139.0
Target Mean Price 158.7143
Target Median Price 162.5
Total Cash 7,382,433,792
Total Cash Per Share 117.56
Total Debt 4,842,414,080
Total Revenue 2,231,973,120
Tradeable 0
Trailing Annual Dividend Rate 4.0
Trailing Annual Dividend Yield 0.025500447
Trailing Eps 10.27
Trailing P E 15.374877
Trailing Peg Ratio 4.3751
Triggerable 1
Two Hundred Day Average 135.5383
Two Hundred Day Average Change 22.361694
Two Hundred Day Average Change Percent 0.16498432
Type Disp Equity
Volume 399,335
Website https://www.frostbank.com
Zip 78,205