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CFR CULLEN/FROST BANKERS, INC.

Trailing twelve months to 2026-06-30 · as filed 2026-07-30, not restated
Financials

Scale

Market cap
$10.0bn
Revenue TTM
$130m
Net income TTM
$684m
Free cash flow
$542m
Composite score
60.7
Sector rank
#715

Valuation

P / E
14.7
EV / EBITDA
EV / sales
77.0
FCF yield
5.40%
Earnings yield vs 10-yr
2.09pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
525.4%
EBITDA margin
ROE
14.8%
ROIC
Revenue growth
15.1%

Insider activity, last 90 days

Net open-market
$-0.12m
Buyers
0
Sellers
1

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Selected data for the comparable periods was as follows: Net income available to common shareholders increased $15.1 million, or 9.7%, for the three months ended June 30, 2026 and increased $35.1 million, or 11.5%, for the six months ended June 30, 2026, compared to the same periods in 2025. Net interest income is our largest source of revenue, representing 77.0% of total revenue during the first six months of 2026. As of June 30, 2026, approximately 40.4% of our loans had a fixed interest rate, while the remaining loans had floating interest rates that were primarily tied to a benchmark developed by the American Financial Exchange, the Secured Overnight Financing Rate (“SOFR”) (approximatel …CULLEN/FROST BANKERS, INC., 10-Q, period ended 2026-06-30, filed 2026-07-30

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