Frost Bank
CFR Β· Regional Banks
$157.05
0.4%Flagstar Bank
FLG Β· Regional Banks
$10.38
9.3%The short version
- Frost Bank is the larger business, with $2.2B of revenue in fiscal 2025 against $2.1B for Flagstar Bank.
- Frost Bank grew revenue faster (8.3%, against β19.2%).
| Latest fiscal year | CFR Β· FY25 | FLG Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.1B | $4.3B |
| Revenue | $2.2B | $2.1B |
| Free cash flow | β | β |
| Net income | $649M | β$177M |
| Growth | ||
| Revenue growth | 8.3% | β19.2% |
| 5-year growth | 9.2% | 12.2% |
| Share count change | β0.3% | 25.6% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 29.0% | β8.6% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 15.3% | β2.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $413M | $15.0M |
| Valuation & quality | ||
| P/E | 14.8x | β |
| Piotroski F-score | β | β |
FY16
CFR $1.1B
FLG $1.4B
FY17
CFR $1.2B
FLG $1.3B
FY18
CFR $1.3B
FLG $1.1B
FY19
CFR $1.4B
FLG $1.0B
FY20
CFR $1.4B
FLG $1.2B
FY21
CFR $1.4B
FLG $1.4B
FY22
CFR $1.7B
FLG $1.6B
FY23
CFR $2.0B
FLG $5.8B
FY24
CFR $2.1B
FLG $2.6B
FY25
CFR $2.2B
FLG $2.1B
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