CullenFrost Financial Statements From 2010 to 2026

CFR Stock  USD 135.04  1.35  1.01%   
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
2.1 B
Profit Margin
0.2975
Market Capitalization
8.6 B
Enterprise Value Revenue
3.9051
Revenue
2.1 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 2026 to make sure the trends are evolving in the right direction. As of 01/06/2026, Market Cap is likely to drop to about 4.1 B. In addition to that, Enterprise Value is likely to drop to about 1.2 B

CullenFrost Bankers Total Revenue

3.44 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 949.1 M, Other Operating Expenses of 2.6 B or Operating Income of 840.4 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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CullenFrost Bankers Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding58.9 M73.9 M61.8 M
Slightly volatile
Total Assets63.4 B60.4 B36.8 B
Slightly volatile
Short and Long Term Debt Total5.5 B5.3 B2.2 B
Slightly volatile
Total Current Liabilities56.9 B54.2 B15 B
Slightly volatile
Total Stockholder Equity4.7 B4.5 B3.3 B
Slightly volatile
Property Plant And Equipment Net1.5 B1.4 B776.7 M
Slightly volatile
Retained Earnings4.8 B4.5 B2.5 B
Slightly volatile
Accounts PayableB996.2 M510.2 M
Slightly volatile
Cash12.3 B11.8 B6.9 B
Slightly volatile
Non Current Assets Total32.9 B31.3 B14.5 B
Slightly volatile
Other Assets42.9 B40.8 B27.1 B
Very volatile
Cash And Short Term Investments30.5 B29.1 B17 B
Slightly volatile
Net Receivables1.3 B1.2 B612.8 M
Slightly volatile
Liabilities And Stockholders Equity63.4 B60.4 B36.8 B
Slightly volatile
Non Current Liabilities Total1.9 B1.8 B517.7 M
Slightly volatile
Other Stockholder Equity1.3 B1.2 B865.7 M
Slightly volatile
Total Liabilities58.7 B55.9 B33.5 B
Slightly volatile
Property Plant And Equipment GrossB1.9 B930.2 M
Slightly volatile
Total Current Assets30.5 B29.1 B18.1 B
Slightly volatile
Short Term Debt5.3 BB2.3 B
Slightly volatile
Common Stock Total Equity657.9 K739.5 K634.8 K
Slightly volatile
Common Stock663.3 K740.6 K637.5 K
Slightly volatile
Other Liabilities244 M373.7 M252.6 M
Slightly volatile
Long Term Debt216.4 M200.5 M219.3 M
Pretty Stable
Short Term Investments18.2 B17.3 B11.2 B
Slightly volatile
Intangible Assets330 K347.4 K11.8 M
Slightly volatile
Property Plant Equipment1.5 B1.4 B781.3 M
Slightly volatile
Other Current Assets7.3 B10.3 B6.7 B
Slightly volatile
Good Will554.9 M753.2 M600.6 M
Slightly volatile
Net Tangible Assets2.7 B2.7 B2.4 B
Slightly volatile
Long Term Debt Total192.1 M200.5 M234 M
Slightly volatile
Capital SurpluseB1.2 B929.2 M
Slightly volatile
Long Term Investments19.1 B21.4 B17.4 B
Slightly volatile
Non Current Liabilities Other6.7 B6.4 B2.8 B
Slightly volatile
Short and Long Term Debt1.4 B1.6 B1.3 B
Slightly volatile
Earning Assets21 B36.5 B21.2 B
Slightly volatile
Net Invested Capital4.2 B4.6 B3.7 B
Slightly volatile
Capital Stock160.4 M168 M147.7 M
Slightly volatile

CullenFrost Bankers Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Other Operating Expenses2.6 B2.5 B1.1 B
Slightly volatile
Operating Income840.4 M800.4 M462.8 M
Slightly volatile
EBIT840.4 M800.4 M462.8 M
Slightly volatile
EBITDA940.4 M895.6 M514.6 M
Slightly volatile
Net Income703.4 M669.9 M396.2 M
Slightly volatile
Depreciation And Amortization100 M95.2 M56.6 M
Slightly volatile
Selling General Administrative943.2 M898.3 M509.3 M
Slightly volatile
Total Revenue3.4 B3.3 B1.6 B
Slightly volatile
Gross Profit2.4 B2.3 B1.3 B
Slightly volatile
Income Before Tax840.4 M800.4 M462.4 M
Slightly volatile
Net Income Applicable To Common Shares687.8 M655.1 M394.2 M
Slightly volatile
Selling And Marketing Expenses34.2 M59.1 M33.9 M
Slightly volatile
Net Income From Continuing Ops473.6 M669.9 M435.8 M
Slightly volatile
Preferred Stock And Other Adjustments5.7 MM6.8 M
Slightly volatile
Tax Provision68.9 M130.4 M60.5 M
Slightly volatile
Net Interest Income1.2 B1.8 BB
Slightly volatile
Interest Income2.9 B2.7 B1.3 B
Slightly volatile
Reconciled Depreciation51.8 M95.2 M50.5 M
Pretty Stable

CullenFrost Bankers Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow10.5 B10 B6.3 B
Slightly volatile
Depreciation100 M95.2 M56.6 M
Slightly volatile
Other Non Cash Items104.1 M99.2 M89.9 M
Slightly volatile
Capital Expenditures154.3 M146.9 M94.8 M
Slightly volatile
Net Income703.4 M669.9 M395.7 M
Slightly volatile
End Period Cash Flow12.4 B11.8 BB
Slightly volatile
Dividends Paid300.8 M286.5 M173.9 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.452.723.683
Very volatile
Dividend Yield0.02110.0260.028
Very volatile
PTB Ratio1.541.991.6635
Slightly volatile
Days Sales Outstanding161241150
Slightly volatile
Book Value Per Share57.454.6749.8868
Slightly volatile
Stock Based Compensation To Revenue0.01270.0080.0109
Slightly volatile
Capex To Depreciation1.091.391.6947
Very volatile
PB Ratio1.541.991.6635
Slightly volatile
ROIC0.05550.05350.0642
Very volatile
Net Income Per Share8.588.175.9918
Slightly volatile
Payables Turnover0.240.250.5716
Slightly volatile
Sales General And Administrative To Revenue0.230.250.3188
Slightly volatile
Capex To Revenue0.03910.04040.0607
Very volatile
Cash Per Share372354274
Slightly volatile
Interest Coverage0.760.89.8894
Slightly volatile
Payout Ratio0.330.380.4208
Very volatile
Days Payables Outstanding9061.5 K2.1 K
Very volatile
ROE0.0960.130.1092
Slightly volatile
PE Ratio16.1617.0115.374
Very volatile
Return On Tangible Assets0.00860.010.0101
Slightly volatile
Earnings Yield0.04340.06080.0652
Pretty Stable
Intangibles To Total Assets0.02460.01420.0189
Slightly volatile
Current Ratio0.260.480.513
Very volatile
Tangible Book Value Per Share57.454.6742.7824
Slightly volatile
Receivables Turnover2.111.572.5904
Slightly volatile
Graham Number10510081.1933
Slightly volatile
Shareholders Equity Per Share57.454.6749.8868
Slightly volatile
Debt To Equity0.851.350.7464
Slightly volatile
Capex Per Share1.881.791.4487
Slightly volatile
Revenue Per Share41.9639.9624.3675
Slightly volatile
Interest Debt Per Share79.1275.3539.7445
Slightly volatile
Debt To Assets0.05020.07860.0577
Slightly volatile
Price Earnings Ratio16.1617.0115.374
Very volatile
Operating Cycle161241150
Slightly volatile
Price Book Value Ratio1.541.991.6635
Slightly volatile
Days Of Payables Outstanding9061.5 K2.1 K
Very volatile
Dividend Payout Ratio0.330.380.4208
Very volatile
Pretax Profit Margin0.20.220.282
Very volatile
Operating Profit Margin0.20.220.282
Very volatile
Effective Tax Rate0.260.190.1479
Very volatile
Company Equity Multiplier13.3215.4911.7416
Slightly volatile
Long Term Debt To Capitalization0.05910.06220.068
Slightly volatile
Total Debt To Capitalization0.450.620.396
Slightly volatile
Return On Capital Employed0.150.12810.1179
Slightly volatile
Debt Equity Ratio0.851.350.7464
Slightly volatile
Ebit Per Revenue0.20.220.282
Very volatile
Quick Ratio0.260.480.513
Very volatile
Net Income Per E B T0.620.750.8415
Pretty Stable
Cash Ratio0.130.20.1899
Pretty Stable
Days Of Sales Outstanding161241150
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.11.01.2108
Slightly volatile
Price To Book Ratio1.541.991.6635
Slightly volatile
Fixed Asset Turnover3.512.632.444
Slightly volatile
Debt Ratio0.05020.07860.0577
Slightly volatile
Price Sales Ratio2.452.723.683
Very volatile
Return On Assets0.00860.010.0099
Slightly volatile
Asset Turnover0.06850.06240.0468
Very volatile
Net Profit Margin0.160.180.2406
Very volatile
Gross Profit Margin0.630.70140.8356
Pretty Stable
Price Fair Value1.541.991.6635
Slightly volatile
Return On Equity0.0960.130.1092
Slightly volatile

CullenFrost Bankers Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap4.1 B7.7 B7.9 B
Very volatile
Enterprise Value1.2 B1.5 B1.6 B
Pretty Stable

CullenFrost Fundamental Market Drivers

Forward Price Earnings13.1406
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 Revenue3.3 B3.4 B
Cost Of Revenue978.7 MB
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.25  0.23 
Capex To Revenue 0.04  0.04 
Revenue Per Share 39.96  41.96 
Ebit Per Revenue 0.22  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

  0.81EBMT Eagle Bancorp MontanaPairCorr
  0.75FCAP First CapitalPairCorr

Moving against CullenFrost Stock

  0.71601658 Postal Savings BankPairCorr
  0.49LDI LoandepotPairCorr
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.