Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CFR
HoldPremium GrowerCullen/Frost Bankers, Inc. · Financial Services · United States · $10.0B · Avg Vol: $86M/d
COMPANY DESCRIPTION
Cullen/Frost Bankers, Inc. is a financial holding company offering a comprehensive range of commercial and consumer banking services through its subsidiary, Frost Bank, primarily operating across Texas. The company's competitive moat is underpinned by its deeply established brand reputation, conservative lending philosophy, and exceptional customer loyalty within Texas's robust and growing economy. Cullen/Frost is a highly respected regional bank recognized for its consistent financial performance and strong credit quality.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 1.7B | 2.0B | 2.1B | 2.2B | 9.6% | 2.3B | 2.3B | 2.4B | 4.7% |
| EPS | 6.79 | 8.84 | 9.11 | 8.88 | 9.92 | 9.9% | 10.58 | 10.66 | 11.38 | 7.1% |
| Shares | — | 64.4M | 64.2M | 64.2M | 63.3M | -1.7% | 62.1M | — | — | — |
| Debt | — | 222.4M | 222.6M | 222.8M | 223.0M | 0.1% | — | — | — | — |
| Equity | — | 3.1B | 3.7B | 3.9B | 4.6B | 13.4% | — | — | — | — |
| Op CF | — | 722.6M | 478.8M | 989.5M | 274.0M | -27.6% | 719.6M | — | — | — |
| Inv CF | — | -8.3B | -942.8M | -180.9M | -1.6B | — | — | — | — | — |
| Fin CF | — | 3.0B | -2.9B | 738.3M | -33.1M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CFR are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CFR | Cullen/Frost Bankers, Inc.(you) | $10.0B | 64 | Hold |
| ONB | Old National Bancorp | $9.9B | 58 | Hold |
| CBSH | Commerce Bancshares, Inc. | $8.3B | 66 | Buy |
| COLB | Columbia Banking System, Inc. | $8.5B | 61 | Hold |
| UMBF | UMB Financial Corporation | $11.0B | 69 | Buy |
| SSB | SouthState Bank Corporation | $10.3B | 56 | Hold |
| PB | Prosperity Bancshares, Inc. | $8.7B | 70 | Buy |
| FNB | F.N.B. Corporation | $6.6B | 62 | Hold |
| BOKF | BOK Financial Corporation | $8.4B | 57 | Hold |
| UBSI | United Bankshares, Inc. | $6.5B | 65 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%