CFR
Cullen/Frost Bankers IncNYSE
Financial Services • Banks - Regional
Factor tilt: Mid-Cap Blend
$155.23-0.93%
Close Nov 6, 2026
- Market cap
- $9.75B
- 1 month
- +1.9%
- 3 months
- -6.3%
- 1 year
- +25.1%
- 52-week range
- $119.85$170.08
- Dividend, last 12 mo
- $4.06 · 2.62% yield
- Last ex-date
- Aug 31, 2026 · $1.03
- Dividend growth
- 15+ years in a row
- Next-quarter EPS estimate
- $2.81Quarter to Sep 30, 2026 · 12 analysts · revenue $609.39M · +0.2% in 30d
- Short interest
- 7.2% of float4.4M shares · settled Oct 15, 2026 · +0.2% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Jun 30, 2026
- Revenue
- $2.64B
- Net income
- $683.68M
- Free cash flow
- —
- Book value
- $4.62B
- Total debt
- —
- P/E
- 14.3×
- Price / sales
- 3.7×
- Price / book
- 2.1×
- FCF yield
- —
- Net margin
- +25.9%
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
About Cullen/Frost Bankers Inc
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas.
Read more
The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.
- Website
- frostbank.com
- Headquarters
- San Antonio, TX, United States
- Employees
- 6,008
- Listed
- Mar 26, 1990
- Fiscal year ends
- December
Company profile from EODHD, stored Oct 31, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier. Gross margin and operating income are not shown for a bank or insurer.
| Quarter | Revenue | YoY | Net income |
|---|---|---|---|
| Jun 2026filed Jul 30, 2026 | $577.0M | -19.8% | $172.1M |
| Mar 2026filed Apr 30, 2026 | $574.8M | -18.9% | $171.0M |
| Dec 2025filed Feb 5, 2026 | $745.9M | +3.1% | $166.3M |
| Sep 2025filed Oct 30, 2025 | $745.6M | +3.3% | $174.4M |
| Jun 2025filed Jul 31, 2025 | $719.2M | +1.7% | $157.0M |
| Mar 2025filed May 1, 2025 | $709.1M | +1.8% | $150.9M |
| Dec 2024filed Feb 6, 2025 | $723.5M | +4.4% | $154.9M |
| Sep 2024filed Oct 31, 2024 | $721.9M | +8.2% | $146.5M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Net income |
|---|---|---|---|
| Dec 2025filed Feb 5, 2026 | $2.9B | +2.5% | $648.6M |
| Dec 2024filed Feb 6, 2025 | $2.8B | +43.4% | $582.5M |
| Dec 2023filed Feb 6, 2024 | $2.0B | +5.7% | $598.0M |
| Dec 2022filed Feb 3, 2023 | $1.9B | +34.8% | $579.2M |
| Dec 2021filed Feb 4, 2022 | $1.4B | -6.1% | $443.1M |
| Dec 2020filed Feb 5, 2021 | $1.5B | -0.7% | $331.2M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched CFR. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
4,426,965 shares short
+10,649 shares (+0.2%) vs Sep 30, 2026
7.2% of the stored float. Published Oct 26, 2026.
Settlement Sep 30, 2026
4,416,316 shares short
+379,431 shares (+9.4%) vs Sep 15, 2026
7.2% of the stored float. Published Oct 9, 2026.
Settlement Sep 15, 2026
4,036,885 shares short
+159,406 shares (+4.1%) vs Aug 31, 2026
Share of float unavailable. Published Sep 24, 2026.
Settlement Aug 31, 2026
3,877,479 shares short
+580,191 shares (+17.6%) vs Aug 14, 2026
6.3% of the stored float. Published Sep 10, 2026.
Settlement Aug 14, 2026
3,297,288 shares short
-689,146 shares (-17.3%) vs Jul 31, 2026
5.3% of the stored float. Published Aug 25, 2026.
Settlement Jul 31, 2026
3,986,434 shares short
+219,124 shares (+5.8%) vs Jul 15, 2026
6.4% of the stored float. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind CFR’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
USD 1.03 per share
Ex-dividend date: Nov 30, 2026 (future recorded date)
Recorded pay date: Dec 15, 2026 (pending)
Cash dividend · Polygon event record
USD 1.03 per share
Ex-dividend date: Aug 31, 2026
Recorded pay date: Sep 15, 2026 (past date)
Cash dividend · Polygon event record
USD 1.03 per share
Ex-dividend date: May 29, 2026
Recorded pay date: Jun 15, 2026 (past date)
Cash dividend · Polygon event record
USD 1 per share
Ex-dividend date: Feb 27, 2026
Recorded pay date: Mar 13, 2026 (past date)
Cash dividend · Polygon event record
USD 1 per share
Ex-dividend date: Nov 28, 2025
Recorded pay date: Dec 15, 2025 (past date)
Cash dividend · Polygon event record
USD 1 per share
Ex-dividend date: Aug 29, 2025
Recorded pay date: Sep 15, 2025 (past date)
Cash dividend · Polygon event record
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
2 for 1 · forward split
Effective Jun 23, 1999
Each 1 pre-split share becomes 2 post-split shares.
Source: EODHD
2 for 1 · forward split
Effective Jun 24, 1996
Each 1 pre-split share becomes 2 post-split shares.
Source: EODHD
11 for 10 · forward split
Effective Feb 9, 1993
Each 10 pre-split shares become 11 post-split shares.
Source: EODHD
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
How stock splits workPortfolio context
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Smart money context
Holder IQ: MEDIUM
45 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Oct 30, 2026
Smart-money 13F trend: accumulating (heavy)
Unlock crowding heatmapUnlock filer discoveryInsider context
Sentiment: neutral
Last trade: sell 4 days ago
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What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: neutral. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 14
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: neutral. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
570 filers reported a long position in CFR for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
52.9%
of the 57.1M shares 13-F filers reported
Moves vs Q1 2026
6 added3 trimmed
1 new
Net shares held
+2.3%
across the 9 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | BlackRock, Inc. | $1.1B · 7.3M shares | 7.3M | +3.6% |
| 2 | Aristotle Capital Management, LLC | $690M · 4.5M shares | 4.5M | -6.3% |
| 3 | STATE STREET CORP | $497.3M · 3.2M shares | 3.2M | +3.8% |
| 4 | VANGUARD PORTFOLIO MANAGEMENT LLC | $494.7M · 3.2M shares | 3.2M | -0.7% |
| 5 | First Eagle Investment Management, LLC | $429.2M · 2.8M shares | 2.8M | +22.6% |
| 6 | VANGUARD CAPITAL MANAGEMENT LLC | $419.6M · 2.7M shares | 2.7M | +0.2% |
| 7 | BAILLIE GIFFORD & CO | $345.1M · 2.2M shares | 2.2M | New |
| 8 | DIMENSIONAL FUND ADVISORS LP | $255.4M · 1.7M shares | 1.7M | +8% |
| 9 | GEODE CAPITAL MANAGEMENT, LLC | $206.7M · 1.3M shares | 1.3M | +0.5% |
| 10 | KING LUTHER CAPITAL MANAGEMENT CORP | $192.5M · 1.2M shares | 1.2M | -6% |
Sign in to see each holder’s Holder IQ, factor-adjusted Holder IQ and rank, and compare these holders with all scored filers. Available on every plan.
Sign in5% holder filings (13D / 13G)
Holders of more than 5% of CFR file with the SEC within days. A 13D holder may seek to influence the company; a 13G holder is passive. Each holder’s latest filing from the last three years.
| Filed | Holder | % of class |
|---|---|---|
| Aug 7, 2026 | STATE STREET CORP13G · passive | 5.1% |
| Jun 2, 2026 | Aristotle Capital Management, LLC13G · passive · amended | 7.54% |
| Apr 29, 2026 | VANGUARD PORTFOLIO MANAGEMENT LLC13G · passive | 5.13% |
| Apr 29, 2026 | VANGUARD CAPITAL MANAGEMENT LLC13G · passive | 5.05% |
| Mar 26, 2026 | VANGUARD GROUP INC13G · passive · amended | 0%under 5% |
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