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Cullen/Frost Bankers, Inc. (CFR)

Financial Services | Banks - Regional | San Antonio, United States | NYSE
161.69 USD +0.30 (0.186%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 161.69

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★★☆
Hot Take | Aug. 22, 2026, 2:53 a.m. EDT

Cullen/Frost presents a compelling case for a core holding in a regional bank portfolio, backed by robust fundamentals and a consistent track record of profitability. The business generates a healthy 15.5% return on equity and maintains a conservative payout ratio of roughly 38%, allowing for steady dividend growth that has climbed from 0.75 to 1.03 over the last five years. While the stock is currently trading near its 52-week high, the technicals remain supportive as it sits above its 50-day and 200-day moving averages, and the multi-year price trajectory shows a strong cumulative gain without recent structural decline. Options flow confirms this bullish sentiment, with significant speculative positioning for upside over the next 12 months. The combination of solid earnings growth, a fortress-like balance sheet, and reliable income makes this a solid long-term buy, though the near-term price action suggests a brief consolidation before the next leg higher.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.053974
AutoTheta0.054541
AutoETS0.057637
AutoARIMA0.180409

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 54%
H-stat 8.34
Ljung-Box p 0.000
Jarque-Bera p 0.197
Excess Kurtosis -1.03
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-30
Last Dividend Date 2026-05-28
Revenue per Share 35.772
Market Cap 10,048,836,608
Trailing P/E 15.30
Forward P/E 13.81
Beta 0.52
Profit Margins 30.19%
Website https://www.frostbank.com

As of Aug. 22, 2026, 2:53 a.m. EDT: Speculators are positioning for upside over the coming year, evidenced by heavy open interest in January 2027 calls at strikes above the current price (180 and 185). Near-term call activity shows bullish flow at the 170 strike, while put volume remains significantly lighter than call volume across most expirations. Implied volatility is elevated in the immediate term but compresses for longer-dated contracts, suggesting a preference for directional gains over hedging against downside risk.


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 2.55
exDividendDate 2026-08-31
trailingAnnualDividendRate 4.03
trailingAnnualDividendYield 0.024970569
lastDividendValue 1.03
lastDividendDate 2026-05-29
dividendDate 2026-09-15

Info Dump

Attribute Value
52 Week Change 0.2482822
Address1 111 West Houston Street
All Time High 170.8
All Time Low 1.3125
Ask 260.7
Ask Size 100
Audit Risk 2
Average Analyst Rating 2.8 - Hold
Average Daily Volume10 Day 424,350
Average Daily Volume3 Month 594,482
Average Volume 594,482
Average Volume10Days 424,350
Beta 0.519
Bid 63.56
Bid Size 200
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 161.69
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 162.585
Day Low 161.3575
Display Name Cullen/Frost Bankers
Dividend Date 1,789,430,400
Dividend Rate 4.12
Dividend Yield 2.55
Earnings Call Timestamp End 1,785,434,400
Earnings Call Timestamp Start 1,785,434,400
Earnings Growth 0.128
Earnings Quarterly Growth 0.096
Earnings Timestamp 1,785,414,600
Earnings Timestamp End 1,793,277,000
Earnings Timestamp Start 1,793,277,000
Ebitda Margins 0.0
Enterprise To Revenue 4.023
Enterprise Value 9,110,556,672
Eps Current Year 10.98377
Eps Forward 11.70929
Eps Trailing Twelve Months 10.57
Esg Populated 0
Ex Dividend Date 1,788,134,400
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 161.1448
Fifty Day Average Change 0.54519653
Fifty Day Average Change Percent 0.003383271
Fifty Two Week Change Percent 24.82822
Fifty Two Week High 170.8
Fifty Two Week High Change -9.110001
Fifty Two Week High Change Percent -0.05333724
Fifty Two Week Low 119.0
Fifty Two Week Low Change 42.690002
Fifty Two Week Low Change Percent 0.35873953
Fifty Two Week Range 119.0 - 170.8
Financial Currency USD
First Trade Date Milliseconds 322,151,400,000
Five Year Avg Dividend Yield 2.89
Float Shares 61,277,459
Forward Eps 11.70929
Forward P E 13.808695
Full Exchange Name NYSE
Full Time Employees 6,008
Fullday Change 0.300003
Fullday Change Percent 0.185887
Fullday Price 161.69
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 2,264,466,944
Has Pre Post Market Data 1
Held Percent Insiders 0.06143
Held Percent Institutions 0.96276003
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 1
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 10,048,836,608
Market State CLOSED
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 10,030,192,411
Number Of Analyst Opinions 14
Open 162.18
Operating Cashflow 719,584,000
Operating Margins 0.37236
Overall Risk 2
Payout Ratio 0.3809
Peg Ratio 3.56
Phone 210 220 4011
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 161.69
Post Market Time 1,787,959,806
Previous Close 161.39
Price Eps Current Year 14.720811
Price Hint 2
Price To Book 2.2444475
Price To Sales Trailing12 Months 4.437617
Profit Margins 0.30192
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 2.8
Region US
Regular Market Change 0.300003
Regular Market Change Percent 0.185887
Regular Market Day High 162.585
Regular Market Day Low 161.3575
Regular Market Day Range 161.3575 - 162.585
Regular Market Open 162.18
Regular Market Previous Close 161.39
Regular Market Price 161.69
Regular Market Time 1,787,947,202
Regular Market Volume 382,187
Return On Assets 0.012990001
Return On Equity 0.15498
Revenue Growth 0.061
Revenue Per Share 35.772
Sand P52 Week Change 0.20204377
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 0.0004
Shares Short 22,121
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 19,122
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 195.0
Target Low Price 141.0
Target Mean Price 170.2143
Target Median Price 175.5
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 0.024970569
Trailing Eps 10.57
Trailing P E 15.297068
Trailing Peg Ratio 3.5525
Triggerable 1
Two Hundred Day Average 142.40794
Two Hundred Day Average Change 19.282059
Two Hundred Day Average Change Percent 0.13540016
Type Disp Equity
Volume 382,187
Website https://www.frostbank.com
Zip 78,205