Financial Services
Live Price
Offline$17.04
-0.38% today
Window Change
-0.53%
Window
Jun 23, 2025 → May 15, 2026
Coverage: 227 bars · Jun 23, 2025 → May 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Cullen/Frost Bankers, Inc. (CFR-PB) is a Financial Services stock with a market cap of $1.09B. The stock last traded around $17.04 and down 0.5% across the available one-year price window (Jun 23, 2025 → May 15, 2026). Baseline metrics include revenue growth of +2.5%, EPS growth of +12.8%, a dividend yield of 2.8%. What stands out right now is revenue +2.5%, EPS +12.8%, free cash flow -85.2% with operating margin 28.5% and ROIC 3.6%. The dividend matters to the case here, with a current yield around 2.8%. Valuation is more restrained than many high-expectation growth names at P/E 13.4 and price/sales 3.2. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines CFR-PB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
CFR-PB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
CFR-PB Max Drawdown
-10.50%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for CFR-PB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.4B
-25.8% YoY
FY Net Income
$443.1M
-23.5% YoY
Free Cash Flow
$582.4M
-6.1% YoY
Revenue Growth
+2.5%
EPS Growth
+12.8%
Gross Margin
80.1%
Net Margin
24.0%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 2.9B | 2.8B | 2.6B | 1.9B | 1.4B |
| Gross Profit | 2.2B | 2.0B | 1.9B | 1.7B | 1.4B |
| Operating Income | 772M | 696M | 712M | 669M | 490M |
| EBITDA | 859M | 779M | 789M | 740M | 559M |
| Net Income | 649M | 583M | 598M | 579M | 443M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 8.9B | 10.2B | 8.6B | 11.8B | 16.5B |
| Total Assets | 53.0B | 52.5B | 50.8B | 52.9B | 50.9B |
| Total Liabilities | 48.5B | 48.6B | 47.1B | 49.8B | 46.4B |
| Shareholder Equity | 4.6B | 3.9B | 3.7B | 3.1B | 4.4B |
| Total Debt | 4.8B | 4.6B | 4.4B | 4.9B | 3.0B |
| Net Debt | -4.1B | -5.6B | -4.2B | -6.9B | -13.6B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
648M
-10.3% YoY
Capital Expenditures
66M
+35.8% YoY
Free Cash Flow
582M
-6.1% YoY
Key ratios
Gross Margin
80.1%
Operating Margin
28.5%
Net Margin
24.0%
ROE
15.1%
Debt / Equity
1.03x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.