Frost Bank (CFR)
Financials · Regional banking / Community banking
A Texas-based regional bank holding company providing commercial and consumer banking, wealth management, and brokerage services with $52.7 billion in assets.
What Frost Bank does
Cullen/Frost Bankers, Inc. (doing business as Frost Bank) is a Texas-based financial holding company that operates Frost Bank, a state-chartered member of the Federal Reserve System. The company provides commercial and consumer banking services, including deposit products, loans, trust and investment management, securities brokerage, and insurance services through its subsidiary and affiliate network. Frost Bank serves customers across Texas through its branch network and digital banking channels.
Themes: ["Community banking","Deposit gathering and liability management","Wealth management and trust services","Regional lending (Texas)","Capital markets and brokerage services"]
Fundamentals
- Price$155.15 as of 2026-07-09 close
- Market cap$9.7B as of 2026-07-10
- 1-year return+13.4% as of 2026-07-09 close
- P/E14.45 as of 2026-07-10
- Net margin+34.5% as of 2026-07-10
- ROE+15.0% as of 2026-07-10
- Debt / equity0.96 as of 2026-07-10
- Revenue growth (YoY)+75.9% as of 2026-07-10
- Revenue CAGR (3y)+9.6% SEC XBRL
- Beta0.53 as of 2026-07-10
Dividend: yield +2.7%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Regulatory oversight and compliance risk: As a bank holding company and state-chartered bank, the company is subject to extensive federal and state regulation by the Federal Reserve Board, Texas Department of Banking, SEC, CFPB, and other agencies; changes in statutes, regulations, or policies could materially affect business operations and financial condition.","Interest rate risk and credit risk: The company's net interest income is sensitive to changes in interest rates and market conditions; deterioration in credit quality or loan portfolio performance could increase allowances for credit losses.","Deposit funding dependence: The company relies on deposits (total deposits of $42.8 billion as of Q1 2026) for funding; competitive pressure on deposit rates and potential outflows could impact liquidity and funding costs."]
Competitors & peers
- BBVA USA (PNC Financial Services)
- Comerica (CMA)
- Zions Bancorporation (ZION)
- Synovus Financial (SNV)
- Prosperity Bancshares (PRS)
- Independent Bank Group (IBTX)
- Southside Bancshares (SBSI)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.