Frost Bank vs Valley Bank
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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 Bankβs earnings: a P/E of 14.8x against 11.9x for Valley Bank.
| Latest fiscal year | CFR Β· FY25 | VLY Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.1B | $7.9B |
| Revenue | $2.2B | $2.0B |
| Free cash flow | β | β |
| Net income | $649M | $598M |
| Growth | ||
| Revenue growth | 8.3% | 9.3% |
| 5-year growth | 9.2% | 9.3% |
| Share count change | β0.3% | 8.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 29.0% | 29.5% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 15.3% | 7.9% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $413M | $312M |
| Valuation & quality | ||
| P/E | 14.8x | 11.9x |
| Piotroski F-score | β | β |
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
CFR
VLY
Operating margin
FY16
CFR β
VLY β
FY17
CFR β
VLY β
FY18
CFR β
VLY β
FY19
CFR β
VLY β
FY20
CFR β
VLY β
FY21
CFR β
VLY β
FY22
CFR β
VLY β
FY23
CFR β
VLY β
FY24
CFR β
VLY β
FY25
CFR β
VLY β
CFR
VLY
Free cash flow
FY16
CFR β
VLY β
FY17
CFR β
VLY β
FY18
CFR β
VLY β
FY19
CFR β
VLY β
FY20
CFR β
VLY β
FY21
CFR β
VLY β
FY22
CFR β
VLY β
FY23
CFR β
VLY β
FY24
CFR β
VLY β
FY25
CFR β
VLY β
CFR
VLY
Return on capital
FY16
CFR β
VLY β
FY17
CFR β
VLY β
FY18
CFR β
VLY β
FY19
CFR β
VLY β
FY20
CFR β
VLY β
FY21
CFR β
VLY β
FY22
CFR β
VLY β
FY23
CFR β
VLY β
FY24
CFR β
VLY β
FY25
CFR β
VLY β
CFR
VLY
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.