Cullen/Frost Bankers Financial Ratios
NYSE: CFRFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Cullen/Frost Bankers ratio analysis
Cullen/Frost Bankers earned a net margin of 29.0% in FY 2025, up from 28.2% a year earlier. Return on equity reached 14.2%, meaning Cullen/Frost Bankers generated 0.14 dollars of profit for every dollar of shareholders' equity. At the end of FY 2025, CFR traded at 12.9 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 11.9 to 18.8, with a median of 15.2.
Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Cullen/Frost Bankers financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 12.92 | 15.15 | 11.92 | 15.18 | 18.65 | 17.10 | 14.16 | 13.32 | 17.18 | 18.77 |
| Price / sales | 3.67 | 4.18 | 3.51 | 5.06 | 5.85 | 3.80 | 4.44 | 4.47 | 5.01 | 4.89 |
| Price / book | 1.80 | 2.21 | 1.87 | 2.73 | 1.81 | 1.27 | 1.55 | 1.74 | 1.83 | 1.83 |
| Net margin | 29.0% | 28.2% | 30.1% | 34.1% | 32.3% | 23.0% | 32.4% | 34.7% | 30.3% | 27.0% |
| Free cash flow margin | 5.7% | 41.8% | 16.1% | 36.6% | 42.5% | 29.7% | 31.2% | 36.9% | 41.9% | 34.1% |
| Return on equity (ROE) | 14.2% | 14.9% | 16.1% | 18.5% | 10.0% | 7.7% | 11.3% | 13.5% | 11.0% | 10.1% |
| Return on assets (ROA) | 1.2% | 1.1% | 1.2% | 1.1% | 0.9% | 0.8% | 1.3% | 1.4% | 1.1% | 1.0% |
| Revenue growth | 8.3% | 3.8% | 17.2% | 23.7% | -4.8% | 5.4% | 4.5% | 8.8% | 6.8% | 5.7% |
| EPS growth | 11.8% | -2.5% | 3.3% | 30.3% | 32.5% | -25.4% | -0.9% | 25.2% | 17.2% | 9.8% |