CullenFrost Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . CullenFrost Bankers
CFR Stock  USD 127.41  6.63  4.95%   
CullenFrost Bankers' financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing CullenFrost Bankers' valuation are provided below:
Gross Profit
2 B
Profit Margin
0.2933
Market Capitalization
8.2 B
Enterprise Value Revenue
4.2691
Revenue
2 B
There are over one hundred nineteen available fundamental signals for CullenFrost Bankers, which can be analyzed over time and compared to other ratios. Investors and active traders are advised to validate CullenFrost Bankers' prevailing fundamental performance against the performance between 2010 and 2025 to make sure the trends are evolving in the right direction. As of 08/01/2025, Market Cap is likely to grow to about 8.1 B, while Enterprise Value is likely to drop slightly above 1.2 B.

CullenFrost Bankers Total Revenue

2.99 Billion

Check CullenFrost Bankers financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among CullenFrost Bankers' main balance sheet or income statement drivers, such as Interest Expense of 825.3 M, Other Operating Expenses of 2.3 B or Operating Income of 730.8 M, as well as many indicators such as Price To Sales Ratio of 2.45, Dividend Yield of 0.0211 or PTB Ratio of 1.54. CullenFrost financial statements analysis is a perfect complement when working with CullenFrost Bankers Valuation or Volatility modules.
  
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Check out the analysis of CullenFrost Bankers Correlation against competitors.
To learn how to invest in CullenFrost Stock, please use our How to Invest in CullenFrost Bankers guide.

CullenFrost Bankers Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding58.9 M64.3 M61 M
Slightly volatile
Total Assets55.1 B52.5 B34.8 B
Slightly volatile
Short and Long Term Debt Total4.8 B4.6 B2 B
Slightly volatile
Total Current Liabilities49.4 B47.1 B12.1 B
Slightly volatile
Total Stockholder Equity4.1 B3.9 B3.1 B
Slightly volatile
Property Plant And Equipment Net1.3 B1.2 B723.4 M
Slightly volatile
Retained Earnings4.1 B4 B2.4 B
Slightly volatile
Accounts Payable1 B996.2 M488 M
Slightly volatile
Cash10.7 B10.2 B6.5 B
Slightly volatile
Non Current Assets Total28.6 B27.3 B13.1 B
Slightly volatile
Other Assets37.3 B35.5 B25.9 B
Very volatile
Cash And Short Term Investments26.5 B25.3 B16 B
Slightly volatile
Net Receivables1.3 B1.2 B583.7 M
Slightly volatile
Liabilities And Stockholders Equity55.1 B52.5 B34.8 B
Slightly volatile
Non Current Liabilities Total1.6 B1.5 B424.7 M
Slightly volatile
Other Stockholder Equity537.4 M1.1 B798.2 M
Slightly volatile
Total Liabilities51.1 B48.6 B31.7 B
Slightly volatile
Property Plant And Equipment Gross1.8 B1.7 B849.8 M
Slightly volatile
Total Current Assets26.5 B25.3 B17.1 B
Slightly volatile
Short Term Debt4.6 B4.4 B2 B
Slightly volatile
Common Stock Total Equity657.9 K739.5 K634.3 K
Slightly volatile
Common Stock663.3 K740.6 K637.1 K
Slightly volatile
Other Liabilities244 M373.7 M248.1 M
Pretty Stable
Long Term Debt216.4 M222.8 M220.4 M
Slightly volatile
Short Term Investments8.1 B15 B10.2 B
Slightly volatile
Intangible Assets330 K347.4 K12.6 M
Slightly volatile
Property Plant Equipment1.3 B1.2 B728.3 M
Slightly volatile
Other Current Assets7.3 B10.3 B6.6 B
Slightly volatile
Good Will554.9 M753.2 M597.2 M
Slightly volatile
Net Tangible Assets2.7 B2.7 B2.4 B
Slightly volatile
Long Term Debt Total192.1 M222.8 M236.1 M
Slightly volatile
Capital Surpluse1 B1.1 B910 M
Slightly volatile
Long Term Investments19.1 B18.6 B17.1 B
Slightly volatile
Non Current Liabilities Other6.7 B6.4 B2.7 B
Slightly volatile
Short and Long Term Debt1.4 B1.6 B1.3 B
Slightly volatile
Earning Assets21 B36.5 B20.6 B
Slightly volatile
Net Invested Capital4.2 B4 B3.7 B
Slightly volatile
Capital Stock160.4 M168 M147.8 M
Slightly volatile

CullenFrost Bankers Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Other Operating Expenses2.3 B2.2 B1 B
Slightly volatile
Operating Income730.8 M696 M434.9 M
Slightly volatile
EBIT730.8 M696 M434.9 M
Slightly volatile
EBITDA817.7 M778.8 M483.1 M
Slightly volatile
Net Income611.7 M582.5 M373.3 M
Slightly volatile
Depreciation And Amortization87 M82.8 M53.4 M
Slightly volatile
Selling General Administrative820.2 M781.1 M477.3 M
Slightly volatile
Total Revenue3 B2.8 B1.4 B
Slightly volatile
Gross Profit2.1 B2 B1.3 B
Slightly volatile
Income Before Tax730.8 M696 M434.4 M
Slightly volatile
Net Income Applicable To Common Shares307.8 M569.6 M354.1 M
Slightly volatile
Selling And Marketing Expenses34.2 M51.4 M32.3 M
Slightly volatile
Net Income From Continuing Ops473.6 M582.5 M421.2 M
Slightly volatile
Preferred Stock And Other Adjustments5.7 M6 M6.8 M
Slightly volatile
Tax Provision68.9 M113.4 M56.1 M
Slightly volatile
Net Interest Income1.2 B1.6 B977.2 M
Slightly volatile
Interest Income1.4 B2.4 B1.1 B
Slightly volatile
Reconciled Depreciation51.8 M82.8 M47.7 M
Very volatile

CullenFrost Bankers Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow9.1 B8.7 B6 B
Slightly volatile
Depreciation87 M82.8 M53.4 M
Slightly volatile
Other Non Cash Items48.7 M86.3 M85.9 M
Slightly volatile
Capital Expenditures134.2 M127.8 M90.3 M
Slightly volatile
Net Income611.7 M582.5 M372.9 M
Slightly volatile
End Period Cash Flow10.7 B10.2 B6.6 B
Slightly volatile
Dividends Paid261.6 M249.1 M164.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.453.02383.743
Pretty Stable
Dividend Yield0.02110.02890.0281
Very volatile
PTB Ratio1.542.21031.6426
Slightly volatile
Days Sales Outstanding161241146
Slightly volatile
Book Value Per Share63.7860.738949.9866
Slightly volatile
Stock Based Compensation To Revenue0.01270.00690.0111
Slightly volatile
Capex To Depreciation1.091.54291.7137
Very volatile
PB Ratio1.542.21031.6426
Slightly volatile
ROIC0.05550.05950.0649
Pretty Stable
Net Income Per Share9.539.07585.915
Slightly volatile
Payables Turnover0.240.250.5938
Slightly volatile
Sales General And Administrative To Revenue0.230.27410.3231
Pretty Stable
Capex To Revenue0.03910.04480.062
Very volatile
Cash Per Share413394272
Slightly volatile
Interest Coverage0.840.885410.4625
Slightly volatile
Payout Ratio0.330.42760.4234
Very volatile
Days Payables Outstanding9061.5 K2.1 K
Very volatile
ROE0.0960.14940.1078
Slightly volatile
PE Ratio14.0514.79215.1399
Pretty Stable
Return On Tangible Assets0.00860.01110.0101
Slightly volatile
Earnings Yield0.04340.06760.0655
Very volatile
Intangibles To Total Assets0.02460.01420.0193
Slightly volatile
Current Ratio0.560.53650.5338
Slightly volatile
Tangible Book Value Per Share63.7860.738942.4382
Slightly volatile
Receivables Turnover2.111.572.6433
Slightly volatile
Graham Number11711180.7347
Slightly volatile
Shareholders Equity Per Share63.7860.738949.9866
Slightly volatile
Debt To Equity0.851.17680.7087
Slightly volatile
Capex Per Share2.091.99071.4405
Slightly volatile
Revenue Per Share46.6244.398123.6842
Slightly volatile
Interest Debt Per Share87.9183.721938.0685
Slightly volatile
Debt To Assets0.05020.08740.0563
Slightly volatile
Price Earnings Ratio14.0514.79215.1399
Pretty Stable
Operating Cycle161241146
Slightly volatile
Price Book Value Ratio1.542.21031.6426
Slightly volatile
Days Of Payables Outstanding9061.5 K2.1 K
Very volatile
Dividend Payout Ratio0.330.42760.4234
Very volatile
Pretax Profit Margin0.20.24420.2859
Pretty Stable
Operating Profit Margin0.20.24420.2859
Pretty Stable
Effective Tax Rate0.260.1630.1452
Very volatile
Company Equity Multiplier13.3213.471611.5073
Pretty Stable
Long Term Debt To Capitalization0.05140.05410.0679
Slightly volatile
Total Debt To Capitalization0.450.54060.382
Slightly volatile
Return On Capital Employed0.150.12810.1159
Slightly volatile
Debt Equity Ratio0.851.17680.7087
Slightly volatile
Ebit Per Revenue0.20.24420.2859
Pretty Stable
Quick Ratio0.560.53650.5338
Slightly volatile
Net Income Per E B T0.620.8370.8473
Pretty Stable
Cash Ratio0.130.2170.1892
Pretty Stable
Days Of Sales Outstanding161241146
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.10.87091.224
Slightly volatile
Price To Book Ratio1.542.21031.6426
Slightly volatile
Fixed Asset Turnover3.512.28832.4324
Slightly volatile
Debt Ratio0.05020.08740.0563
Slightly volatile
Price Sales Ratio2.453.02383.743
Pretty Stable
Return On Assets0.00860.01110.0099
Slightly volatile
Asset Turnover0.06850.05430.0459
Pretty Stable
Net Profit Margin0.160.20440.2444
Pretty Stable
Gross Profit Margin0.630.70140.8484
Pretty Stable
Price Fair Value1.542.21031.6426
Slightly volatile
Return On Equity0.0960.14940.1078
Slightly volatile

CullenFrost Bankers Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap8.1 B7.7 B8 B
Slightly volatile
Enterprise Value1.2 B1.5 B1.6 B
Pretty Stable

CullenFrost Fundamental Market Drivers

Forward Price Earnings14.9254
Cash And Short Term Investments25.3 B

CullenFrost Upcoming Events

25th of April 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About CullenFrost Bankers Financial Statements

CullenFrost Bankers shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although CullenFrost Bankers investors may analyze each financial statement separately, they are all interrelated. The changes in CullenFrost Bankers' assets and liabilities, for example, are also reflected in the revenues and expenses on on CullenFrost Bankers' income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-3.5 B-3.3 B
Total Revenue2.8 B3 B
Cost Of Revenue851 M893.6 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.27  0.23 
Capex To Revenue 0.04  0.04 
Revenue Per Share 44.40  46.62 
Ebit Per Revenue 0.24  0.20 

Pair Trading with CullenFrost Bankers

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if CullenFrost Bankers position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in CullenFrost Bankers will appreciate offsetting losses from the drop in the long position's value.

Moving together with CullenFrost Stock

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  0.74DB Deutsche Bank AGPairCorr
  0.74KB KB Financial GroupPairCorr

Moving against CullenFrost Stock

  0.46TFC-PI Truist FinancialPairCorr
The ability to find closely correlated positions to CullenFrost Bankers could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace CullenFrost Bankers when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back CullenFrost Bankers - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling CullenFrost Bankers to buy it.
The correlation of CullenFrost Bankers is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as CullenFrost Bankers moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if CullenFrost Bankers moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for CullenFrost Bankers can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Additional Tools for CullenFrost Stock Analysis

When running CullenFrost Bankers' price analysis, check to measure CullenFrost Bankers' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CullenFrost Bankers is operating at the current time. Most of CullenFrost Bankers' value examination focuses on studying past and present price action to predict the probability of CullenFrost Bankers' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CullenFrost Bankers' price. Additionally, you may evaluate how the addition of CullenFrost Bankers to your portfolios can decrease your overall portfolio volatility.
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