Frost Bank
CFR NYSE· Regional Banks
Last close · Oct 27, 2026
$157.58
KIRA · Stoqly’s AI analyst, in plain words
- Frost Bank had $2.2B of revenue in fiscal 2025, up 8.3% on the year before. Over five years, revenue changed +9.2% a year on average.
- Frost Bank made $649M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 8.7% a year.
- Frost Bank returned $413M to shareholders in fiscal 2025. The diluted share count fell 0.3%.
- It earned 15.3% on shareholders’ money. Running costs took 63.5% of revenue (the efficiency ratio; lower is better).
Market cap
$10.1B
P/E
14.9x
Revenue
$2.2B
Net income
$649M
Return on equity
15.3%
Efficiency ratio
63.5%
Frost Bank in 30 seconds · fiscal 2025
Are sales growing?
+8.3%
Yes. Sales grew 8.3% last year.
Does it make a profit?
29.0%
Yes. It keeps 29.0% of every sale as profit.
How lean are its costs?
63.5%
Average. Running costs take 63.5% of revenue.
How much does it earn on its capital?
15.3%
Good. It earns 15.3% a year on shareholders’ money.
How is the share priced?
14.9x
One share costs 14.9 times its yearly profit per share. Typical for its sector: 13.7x.
What Frost Bank does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 5, 2026
- Legal name
- Cullen/Frost Bankers, Inc.
- CIK
- 0000039263
Frost Bank · CFR
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.4B | $1.7B | $2.0B | $2.1B | $2.2B |
| Revenue growth | −4.9% | 23.7% | 17.2% | 3.9% | 8.3% |
| Net interest income | $985M | $1.3B | $1.6B | $1.6B | $1.7B |
| Net income | $443M | $579M | $598M | $583M | $649M |
| Net margin | 32.3% | 34.2% | 30.1% | 28.2% | 29.0% |
| Diluted EPS | $6.76 | $8.81 | $9.10 | $8.87 | $9.92 |
| Cash | |||||
| Dividends paid | $189M | $210M | $232M | $242M | $255M |
| Share buybacks | $3.9M | $4.4M | $42.7M | $60.9M | $158M |
| Share count change | 1.7% | 0.7% | −0.2% | −0.2% | −0.3% |
| Debt and strength | |||||
| Loans, net | $16.1B | $16.9B | $18.6B | $20.5B | $21.6B |
| Deposits | $42.7B | $44.0B | $41.9B | $42.7B | $42.9B |
| Shareholders' equity | $4.4B | $3.1B | $3.7B | $3.9B | $4.6B |
| Returns and quality | |||||
| Return on equity | 10.2% | 15.3% | 17.5% | 15.3% | 15.3% |
| Return on tangible equity | 12.2% | 19.2% | — | — | 15.7% |
| Efficiency ratio | 64.3% | 60.4% | 61.8% | 63.1% | 63.5% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.4M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Frost Bank · CFR
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| Frost Bank CFR | $10.1B | 8.3% | 29.0% | 15.3% | 14.9x | — |
| Columbia Banking System COLB | $7.4B | 19.3% | 23.9% | 8.5% | 12.1x | — |
| Flagstar Bank FLG | $4.2B | −19.2% | −8.6% | −2.2% | — | — |
| Pinnacle Financial Partners PNFP | $7.7B | 18.3% | 31.2% | 9.5% | — | — |
| Valley Bank VLY | $8.0B | 9.3% | 29.5% | 7.9% | 12.0x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $157.58 a share, the company is worth $10.1B: 14.9 times its earnings of the last four quarters.
Frost Bank grew sales faster than 1 of its 4 similar companies. Its P/E is higher than 2 of 2.
Source: SEC EDGAR XBRL filings (CIK 0000039263). Data updated October 18, 2026. For information only — not investment advice. Check the original filings before relying on any figure.