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Cullen/Frost Bankers, Inc. (CFR)

Financial Services | Banks - Regional | San Antonio, United States | NYSE
154.11 USD +2.54 (1.676%) ⇧ (Oct. 15, 2026, 4 p.m. EDT)
After hours: 154.50 +0.39 (0.253%) ⇧ (Oct. 15, 2026, 6:18 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★★★☆Dividends:★★★★☆
Hot Take ↕ | Oct. 10, 2026, 1:41 a.m. EDT

Cullen/Frost presents a compelling long-term case anchored by a fortress balance sheet and a robust return on equity of 15.5%, supported by a sustainable 38% dividend payout ratio and a five-year track record of increasing distributions. The stock trades at a reasonable multiple for its profitability profile, with analyst consensus pricing in roughly 15% upside. However, the short-term technical picture is mixed; the share price is currently trading below its 50-day moving average, reflecting recent weakness, while options market data reveals a distinct put skew that implies investors are prioritizing downside protection over aggressive speculation. While the fundamental business remains sound and the multi-year price trajectory is positive, the immediate momentum lacks the spark needed for a high-conviction near-term trade, making this a hold for income rather than a momentum play at this juncture.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.082142
AutoARIMA0.121937
AutoETS0.123597
MSTL0.130568

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 56%
H-stat 43.68
Ljung-Box p 0.000
Jarque-Bera p 0.298
Excess Kurtosis -0.96
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-30
Last Dividend Date 2026-08-30
Revenue per Share 35.772
Market Cap 9,577,749,504
Trailing P/E 14.57
Forward P/E 12.81
Beta 0.55
Profit Margins 30.19%
Website https://www.frostbank.com

As of Oct. 10, 2026, 1:41 a.m. EDT: Speculators are positioning defensively with elevated implied volatility and open interest on puts relative to calls in the near term, suggesting a hedge against downside risk. However, call open interest at higher strikes for 2027 expirations indicates some bullish positioning for a longer-term recovery or appreciation scenario.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.64% 2.93% 3.14% 2.97%
Dividend History
Date Dividend Yield %
2026-08-31 1.0300 0.640269
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
dividendYield 2.72
exDividendDate 2026-08-31
trailingAnnualDividendRate 4.03
trailingAnnualDividendYield 0.026588375
lastDividendValue 1.03
lastDividendDate 2026-08-31
dividendDate 2026-09-15

Info Dump

Attribute Value
52 Week Change 0.2580408
Address1 111 West Houston Street
All Time High 170.8
All Time Low 1.3125
Ask 0.0
Ask Size 100
Audit Risk 3
Average Analyst Rating 2.5 - Hold
Average Daily Volume10 Day 412,680
Average Daily Volume3 Month 536,481
Average Volume 536,481
Average Volume10Days 412,680
Beta 0.548
Bid 0.0
Bid Size 100
Board Risk 3
Book Value 72.04
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 154.11
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 154.63
Day Low 151.78
Display Name Cullen/Frost Bankers
Dividend Date 1,789,430,400
Dividend Yield 2.72
Earnings Call Timestamp End 1,793,304,000
Earnings Call Timestamp Start 1,793,304,000
Earnings Growth 0.128
Earnings Quarterly Growth 0.096
Earnings Timestamp 1,793,277,000
Earnings Timestamp End 1,793,277,000
Earnings Timestamp Start 1,793,277,000
Ebitda Margins 0.0
Enterprise To Revenue 3.815
Enterprise Value 8,639,469,568
Eps Current Year 11.01834
Eps Forward 12.03285
Eps Trailing Twelve Months 10.58
Esg Populated 0
Ex Dividend Date 1,788,134,400
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 159.9178
Fifty Day Average Change -5.8078003
Fifty Day Average Change Percent -0.036317408
Fifty Two Week Change Percent 25.80408
Fifty Two Week High 170.8
Fifty Two Week High Change -16.690002
Fifty Two Week High Change Percent -0.09771664
Fifty Two Week Low 119.15
Fifty Two Week Low Change 34.96
Fifty Two Week Low Change Percent 0.29341164
Fifty Two Week Range 119.15 - 170.8
Financial Currency USD
First Trade Date Milliseconds 322,151,400,000
Five Year Avg Dividend Yield 2.8
Float Shares 61,340,851
Forward Eps 12.03285
Forward P E 12.80744
Full Exchange Name NYSE
Full Time Employees 6,008
Fullday Change 2.9299927
Fullday Change Percent 1.9330953
Fullday Price 154.11
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 2,264,466,944
Has Pre Post Market Data 1
Held Percent Insiders 0.06143
Held Percent Institutions 0.96172
Implied Shares Outstanding 62,148,785
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 1,788,134,400
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 9,577,749,504
Market State PREPRE
Max Age 86,400
Message Board Id finmb_265176
Most Recent Quarter 1,782,777,600
Net Income To Common 669,441,984
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 9,587,071,574
Number Of Analyst Opinions 14
Open 152.48
Operating Cashflow 719,584,000
Operating Margins 0.37236
Overall Risk 2
Payout Ratio 0.3809
Peg Ratio 2.79
Phone 210 220 4011
Post Market Change 0.3899994
Post Market Change Percent 0.2530656
Post Market Price 154.5
Post Market Time 1,792,102,715
Previous Close 151.57
Price Eps Current Year 13.98668
Price Hint 2
Price To Book 2.139228
Price To Sales Trailing12 Months 4.2295823
Profit Margins 0.30192
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 2.53333
Region US
Regular Market Change 2.53999
Regular Market Change Percent 1.67579
Regular Market Day High 154.63
Regular Market Day Low 151.78
Regular Market Day Range 151.78 - 154.63
Regular Market Open 152.48
Regular Market Previous Close 151.57
Regular Market Price 154.11
Regular Market Time 1,792,094,402
Regular Market Volume 359,194
Return On Assets 0.012990001
Return On Equity 0.15498
Revenue Growth 0.061
Revenue Per Share 35.772
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 62,148,785
Shares Percent Shares Out 0.071100004
Shares Short 4,416,316
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 3,877,479
Short Name Cullen/Frost Bankers, Inc.
Short Percent Of Float 0.080299996
Short Ratio 8.33
Source Interval 15
State TX
Symbol CFR
Target High Price 201.0
Target Low Price 145.0
Target Mean Price 172.7143
Target Median Price 173.0
Total Cash 6,623,506,944
Total Cash Per Share 106.575
Total Debt 5,539,774,976
Total Revenue 2,264,466,944
Tradeable 0
Trailing Annual Dividend Rate 4.03
Trailing Annual Dividend Yield 0.026588375
Trailing Eps 10.58
Trailing P E 14.566163
Trailing Peg Ratio 3.2624
Triggerable 1
Two Hundred Day Average 147.55064
Two Hundred Day Average Change 6.5593567
Two Hundred Day Average Change Percent 0.04445495
Type Disp Equity
Volume 359,194
Website https://www.frostbank.com
Zip 78,205