Cullen/Frost Bankers (CFR) vs First Financial Bankshares (FFIN)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Cullen/Frost Bankers (CFR) has outperformed First Financial Bankshares (FFIN) over the past year, gaining 19.5% versus a loss of 5.9%. Over five years, CFR leads with a +23.2% price change compared with -34.1% for FFIN. Cullen/Frost Bankers is the larger company by market cap ($9.47 billion vs $4.50 billion), about 2.1 times the size, while First Financial Bankshares is growing revenue faster (+14.7% vs +8.3%).
On valuation, Cullen/Frost Bankers trades at a lower forward P/E (12.7x vs 14.6x for First Financial Bankshares). Cullen/Frost Bankers offers the higher dividend yield (2.65% vs 2.51%). First Financial Bankshares converts more of its revenue into profit, with a net margin of 40.1% versus 29.0%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFR | FFIN |
|---|---|---|
| Share price | $152.36 | $31.43 |
| Market cap | $9.47B | $4.50B |
| 1-day change | +1.32% | +0.13% |
| YTD return | +20.32% | +5.22% |
| 1-year return | +19.53% | -5.87% |
| 5-year return | +23.21% | -34.11% |
| P/E ratio (TTM) | 14.21 | 16.81 |
| Forward P/E | 12.74 | 14.55 |
| EPS (TTM) | $10.72 | $1.87 |
| Dividend yield | 2.65% | 2.51% |
| Annual dividend | $4.03 | $0.79 |
| Revenue (latest FY) | $2.24B | $631.60M |
| Revenue growth (YoY) | +8.31% | +14.68% |
| Net income (latest FY) | $648.56M | $253.58M |
| Net margin | 29.02% | 40.15% |
| 52-week high | $170.80 | $36.52 |
| 52-week low | $119.00 | $28.12 |
| Distance from 52-week high | -10.80% | -13.94% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +13.78% | +15.46% |
| Average volume | 539.26K | 754.55K |
| Shares outstanding | 62.15M | 143.33M |
| Employees | 6,008 | 1,500 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Cullen/Frost Bankers is about 2.1 times larger than First Financial Bankshares by market value ($9.47B vs $4.50B).
- CFR has outperformed FFIN by 25.4 percentage points over the past year.
- First Financial Bankshares is more profitable, keeping 40.1 cents of every revenue dollar as net income versus 29.0 cents for Cullen/Frost Bankers.
- First Financial Bankshares grew revenue faster in its latest fiscal year (+14.68% vs +8.31%).
About Cullen/Frost Bankers
CFR stock →Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas.
Financial Services · Banks - Regional · 6,008 employees
About First Financial Bankshares
FFIN stock →First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Financial Services · Banks - Regional · 1,500 employees
CFR vs FFIN FAQ
Which is bigger, Cullen/Frost Bankers or First Financial Bankshares?
Cullen/Frost Bankers (CFR) is larger, with a market capitalization of $9.47B compared with $4.50B for First Financial Bankshares (FFIN).
Which stock has performed better over the past year, CFR or FFIN?
CFR returned +19.53% over the past 12 months, compared with -5.87% for FFIN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFR or FFIN?
CFR has the lower trailing P/E at 14.2, versus 16.8 for FFIN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Cullen/Frost Bankers or First Financial Bankshares?
Cullen/Frost Bankers has the higher yield at 2.65%, compared with 2.51% for First Financial Bankshares.
Are Cullen/Frost Bankers and First Financial Bankshares in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.