Financial Services
Live Price
Offline$155.31
+1.18% today
1Y Change
+19.42%
Window
Jun 30, 2025 → Jun 25, 2026
Coverage: 248 bars · Jun 30, 2025 → Jun 25, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Cullen/Frost Bankers Inc. (CFR) is a Financial Services stock with a market cap of $8.85B and listed on NYSE. The stock last traded around $155.31 and up 19.4% across the available one-year price window (Jun 30, 2025 → Jun 25, 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 price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Edge
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
Relative Read
CFR is 0.57 pts ahead over the shared 1Y window.
CFR had 4.48 pts deeper max drawdown than SPY.
CFR beat SPY in 1 of 2 calendar years shown and trailed in 1.
CFR
+19.42%
Normalized return
SPY
+18.85%
S&P 500
Excess Return
+0.57 pts
Relative to SPY
CFR Max Drawdown
-13.62%
Trailing 1Y
SPY Max Drawdown
-9.13%
Trailing 1Y
Uses the longest available daily history for CFR and SPY.
| Year | CFR | SPY | Excess | Leader |
|---|---|---|---|---|
| 2026 | +19.76% | +6.71% | +13.06 pts | CFR |
| 2025 | -0.21% | +11.19% | -11.40 pts | 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.