Cullen/Frost Bankers (CFR) vs Nu (NU)
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 Nu (NU) over the past year, gaining 19.5% versus a loss of 0.5%. Nu is the larger company by market cap ($74.30 billion vs $9.47 billion), about 7.8 times the size. On valuation, Cullen/Frost Bankers trades at a lower forward P/E (12.7x vs 13.6x for Nu).
Cullen/Frost Bankers pays a dividend yielding 2.65%, while Nu does not currently pay one. Cullen/Frost Bankers converts more of its revenue into profit, with a net margin of 29.0% versus 17.1%.
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 | NU |
|---|---|---|
| Share price | $152.36 | $15.38 |
| Market cap | $9.47B | $74.30B |
| 1-day change | +1.32% | -1.28% |
| YTD return | +20.32% | -8.12% |
| 1-year return | +19.53% | -0.52% |
| 5-year return | +23.21% | — |
| P/E ratio (TTM) | 14.40 | 21.07 |
| Forward P/E | 12.74 | 13.61 |
| EPS (TTM) | $10.58 | $0.73 |
| Dividend yield | 2.65% | 0.00% |
| Annual dividend | $4.03 | $0.00 |
| Revenue (latest FY) | $2.24B | $11.52B |
| Revenue growth (YoY) | +8.31% | +43.44% |
| Net income (latest FY) | $648.56M | $1.97B |
| Gross margin | — | 45.61% |
| Net margin | 29.02% | 17.12% |
| 52-week high | $170.80 | $18.98 |
| 52-week low | $119.00 | $11.20 |
| Distance from 52-week high | -10.80% | -18.97% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +13.78% | +22.04% |
| Average volume | 539.26K | 85.34M |
| Shares outstanding | 62.15M | 3.81B |
| Employees | 6,008 | — |
| 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
- Nu is about 7.8 times larger than Cullen/Frost Bankers by market value ($74.30B vs $9.47B).
- CFR has outperformed NU by 20.0 percentage points over the past year.
- Nu trades at a higher earnings multiple (21.1x vs 14.4x trailing P/E).
- Cullen/Frost Bankers offers a meaningfully higher dividend yield (2.65% vs 0.00%).
- Cullen/Frost Bankers is more profitable, keeping 29.0 cents of every revenue dollar as net income versus 17.1 cents for Nu.
- Nu grew revenue faster in its latest fiscal year (+43.44% 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 Nu
NU stock →Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
Financial Services · Banks - Regional
CFR vs NU FAQ
Which is bigger, Cullen/Frost Bankers or Nu?
Nu (NU) is larger, with a market capitalization of $74.30B compared with $9.47B for Cullen/Frost Bankers (CFR).
Which stock has performed better over the past year, CFR or NU?
CFR returned +19.53% over the past 12 months, compared with -0.52% for NU (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFR or NU?
CFR has the lower trailing P/E at 14.4, versus 21.1 for NU. 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 Nu?
Cullen/Frost Bankers pays a dividend yielding 2.65%, while Nu does not currently pay a regular dividend.
Are Cullen/Frost Bankers and Nu in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.