Cullen/Frost Bankers (CFR) vs Bank OZK (OZK)
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 Bank OZK (OZK) over the past year, gaining 19.5% versus a loss of 13.8%. Over five years, CFR leads with a +23.2% price change compared with +0.8% for OZK. Cullen/Frost Bankers is the larger company by market cap ($9.47 billion vs $4.89 billion), about 1.9 times the size.
On valuation, Bank OZK trades at a lower forward P/E (7.4x vs 12.7x for Cullen/Frost Bankers). Bank OZK offers the higher dividend yield (4.06% vs 2.65%).
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 | OZK |
|---|---|---|
| Share price | $152.36 | $44.86 |
| Market cap | $9.47B | $4.89B |
| 1-day change | +1.32% | +2.98% |
| YTD return | +20.32% | -2.52% |
| 1-year return | +19.53% | -13.78% |
| 5-year return | +23.21% | +0.76% |
| P/E ratio (TTM) | 14.21 | 7.40 |
| Forward P/E | 12.74 | 7.41 |
| EPS (TTM) | $10.72 | $6.06 |
| Dividend yield | 2.65% | 4.06% |
| Annual dividend | $4.03 | $1.82 |
| Revenue (latest FY) | $2.24B | — |
| Revenue growth (YoY) | +8.31% | — |
| Net income (latest FY) | $648.56M | — |
| Net margin | 29.02% | — |
| 52-week high | $170.80 | $53.39 |
| 52-week low | $119.00 | $42.37 |
| Distance from 52-week high | -10.80% | -15.98% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +13.78% | +19.88% |
| Average volume | 539.26K | 1.21M |
| Shares outstanding | 62.15M | 109.04M |
| Employees | 6,008 | 3,286 |
| 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
- CFR has outperformed OZK by 33.3 percentage points over the past year.
- Cullen/Frost Bankers trades at a higher earnings multiple (14.2x vs 7.4x trailing P/E).
- Bank OZK offers a meaningfully higher dividend yield (4.06% vs 2.65%).
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 Bank OZK
OZK stock →Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits.
Financial Services · Banks - Regional · 3,286 employees
CFR vs OZK FAQ
Which is bigger, Cullen/Frost Bankers or Bank OZK?
Cullen/Frost Bankers (CFR) is larger, with a market capitalization of $9.47B compared with $4.89B for Bank OZK (OZK).
Which stock has performed better over the past year, CFR or OZK?
CFR returned +19.53% over the past 12 months, compared with -13.78% for OZK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFR or OZK?
OZK has the lower trailing P/E at 7.4, versus 14.2 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 Bank OZK?
Bank OZK has the higher yield at 4.06%, compared with 2.65% for Cullen/Frost Bankers.
Are Cullen/Frost Bankers and Bank OZK in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.