Friday 6 November 2026 Export CFR’s income statement to Excel — free account

Cullen/Frost Bankers, Inc.

Cullen/Frost Bankers, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.9 billion, up 2.46% from fiscal 2024.

Revenue: +2.95%
EPS: +6.37%
Free cash flow: +21.4%
Total debt: +0.10%

Quarter to September 2026, against a year earlier

156.62 3.07 −1.92%

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Market cap: $9.7B
P/E: 14.6×
Fwd P/E: 14.2×
Dividend yield: 2.59%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Valuation Filings

	Sep '26	Jun '26	Mar '26	Dec '25	Older periods
P/E ratio Full definition →	14.20	14.60	13.35	12.77	+8 more quarters Free account
P/S ratio Full definition →	3.21	3.30	2.96	2.78
P/FCF ratio Full definition →	16.12	17.78	13.02	63.23
P/Operating CF Full definition →	32.41	182.28	36.45	44.88
P/B ratio Full definition →	2.48	2.16	1.97	1.83
Price to Tangible BV Full definition →	2.99	2.53	2.32	2.15
EV/Sales Full definition →	—	1.15	0.58	(0.20)
EV/EBITDA Full definition →	—	0.00	0.00	0.00
EV/Operating CF Full definition →	—	4.68	2.09	(2.11)
EV/FCF Full definition →	—	6.20	2.54	(4.50)
Quick Ratio Full definition →	0.14	0.13	0.15	0.18
Current Ratio Full definition →	0.65	0.63	0.65	0.67
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	0.41%	0.41%	0.42%	0.42%
Debt/Equity Full definition →	0.06	0.05	0.05	0.05
Asset Turnover Full definition →	0.06	0.06	0.06	0.06
Operating CF/Net income Full definition →	1.66	0.31	1.40	1.13
Capex/Depreciation Full definition →	(1.37)	(2.75)	(1.47)	(1.28)
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	50.71%	51.38%	52.14%	51.34%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.73%	0.75%	0.73%	1.55%
Graham Net Nets Full definition →	(1.89)	(1.89)	(1.97)	(1.99)
Graham Number Full definition →	122.10	130.63	126.72	124.21
Earnings Yield Full definition →	7.04%	6.85%	7.49%	7.83%
Free Cash Flow Yield Full definition →	6.20%	5.63%	7.68%	1.58%
Revenue per Share Full definition →	12.36	11.58	11.32	11.64
Operating CF per Share Full definition →	4.71	0.85	3.76	2.82
Capex per Share Full definition →	(0.57)	(0.96)	(0.60)	(0.65)
Free Cash Flow per Share Full definition →	4.14	(0.11)	3.16	2.17
Cash per Share Full definition →	115.14	104.18	113.82	139.13
Shareholders Equity per Share Full definition →	63.98	74.02	71.80	71.39
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00
Book value per Share Full definition →	63.98	74.02	71.80	71.39
Free Cash Flow Full definition →	257.04	(7.14)	199.19	139.14
Working Capital Full definition →	(17,656.10)	(17,999.86)	(16,774.79)	(15,918.92)
Capital Expenditures Full definition →	(35.60)	(60.08)	(38.14)	(41.60)
Net Current Asset Value Full definition →	(17,879.31)	(18,223.02)	(16,997.89)	(16,141.97)
EV/EBIT Full definition →	—	0.00	0.00	0.00
Capex to Sales Full definition →	0.05	0.08	0.05	0.06
Price to Operating Income Full definition →	11.57	11.87	10.88	10.51
Other line items
Average Payables Full definition →	43,369.76	42,508.82	42,613.43	42,820.31
Average Assets Full definition →	53,524.43	52,645.23	52,364.65	52,780.85
Average Common Equity Full definition →	4,072.02	4,266.02	4,176.96	4,090.36

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Columns are period end dates · fundamentals updated 5 Nov 2026

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