Frost Bank

CFR · Regional Banks

$157.05

0.4%

Valley Bank

VLY · Regional Banks

$14.06

1.8%

The short version

Frost Bank is the larger business, with $2.2B of revenue in fiscal 2025 against $2.0B for Valley Bank.
Valley Bank grew revenue faster (9.3%, against 8.3%).
Investors pay more for each dollar of Frost Bank’s earnings: a P/E of 14.8x against 11.9x for Valley Bank.

Latest fiscal year	CFR · FY25	VLY · FY25
Size
Market cap	$10.1B	$7.9B
Revenue	$2.2B	$2.0B
Free cash flow	—	—
Net income	$649M	$598M
Growth
Revenue growth	8.3%	9.3%
5-year growth	9.2%	9.3%
Share count change	−0.3%	8.9%
Profitability
Gross margin	—	—
Operating margin	—	—
Net margin	29.0%	29.5%
FCF margin	—	—
Return on capital	—	—
Return on equity	15.3%	7.9%
Balance sheet
Net debt	—	—
Net debt / EBITDA	—	—
Dividends and buybacks	$413M	$312M
Valuation & quality
P/E	14.8x	11.9x
Piotroski F-score	—	—

Revenue

FY16

CFR $1.1B

VLY $721M

FY17

CFR $1.2B

VLY $772M

FY18

CFR $1.3B

VLY $991M

FY19

CFR $1.4B

VLY $1.1B

FY20

CFR $1.4B

VLY $1.3B

FY21

CFR $1.4B

VLY $1.4B

FY22

CFR $1.7B

VLY $1.9B

FY23

CFR $2.0B

VLY $1.9B

FY24

CFR $2.1B

VLY $1.9B

FY25

CFR $2.2B

VLY $2.0B

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