Cullen/Frost Bankers (CFR) vs Home BancShares (HOMB)
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 Home BancShares (HOMB) over the past year, gaining 19.5% versus a gain of 1.5%. Over five years, CFR leads with a +23.2% price change compared with +19.0% for HOMB. Cullen/Frost Bankers is the larger company by market cap ($9.38 billion vs $5.66 billion), about 1.7 times the size.
On valuation, Home BancShares trades at a lower forward P/E (10.9x vs 12.6x for Cullen/Frost Bankers). Home BancShares offers the higher dividend yield (2.93% vs 2.67%). Home BancShares converts more of its revenue into profit, with a net margin of 43.6% 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 | HOMB |
|---|---|---|
| Share price | $150.92 | $28.29 |
| Market cap | $9.38B | $5.66B |
| 1-day change | -0.95% | -0.68% |
| YTD return | +20.32% | +2.52% |
| 1-year return | +19.53% | +1.50% |
| 5-year return | +23.21% | +18.96% |
| P/E ratio (TTM) | 14.26 | 11.69 |
| Forward P/E | 12.60 | 10.87 |
| EPS (TTM) | $10.58 | $2.42 |
| Dividend yield | 2.67% | 2.93% |
| Annual dividend | $4.03 | $0.83 |
| Revenue (latest FY) | $2.24B | $1.09B |
| Revenue growth (YoY) | +8.31% | +7.23% |
| Net income (latest FY) | $648.56M | $475.44M |
| Net margin | 29.02% | 43.58% |
| 52-week high | $170.80 | $31.70 |
| 52-week low | $119.00 | $25.50 |
| Distance from 52-week high | -11.64% | -10.77% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +14.87% | +17.55% |
| Average volume | 539.26K | 1.59M |
| Shares outstanding | 62.15M | 200.05M |
| Employees | 6,008 | 2,543 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
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
- CFR has outperformed HOMB by 18.0 percentage points over the past year.
- Home BancShares is more profitable, keeping 43.6 cents of every revenue dollar as net income versus 29.0 cents for Cullen/Frost Bankers.
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.
Finance · Major Banks · 6,008 employees
About Home BancShares
HOMB stock →Home BancShares, Inc. operates as the bank holding company for Centennial Bank that provides commercial and retail banking, and related financial services to businesses, real estate developers and investors, individuals, and municipalities in the United States.
Finance · Major Banks · 2,543 employees
CFR vs HOMB FAQ
Which is bigger, Cullen/Frost Bankers or Home BancShares?
Cullen/Frost Bankers (CFR) is larger, with a market capitalization of $9.38B compared with $5.66B for Home BancShares (HOMB).
Which stock has performed better over the past year, CFR or HOMB?
CFR returned +19.53% over the past 12 months, compared with +1.50% for HOMB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFR or HOMB?
HOMB has the lower trailing P/E at 11.7, versus 14.3 for CFR. 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 Home BancShares?
Home BancShares has the higher yield at 2.93%, compared with 2.67% for Cullen/Frost Bankers.
Are Cullen/Frost Bankers and Home BancShares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.