cfr stock — Cullen/Frost Bankers Overview

This guide explains cfr stock (Cullen/Frost Bankers, Inc., NYSE: CFR): company profile, operations, financials, stock details, risks, and where to find verified investor resources. Practical pointe...

2024-07-14 02:39:00

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Cullen/Frost Bankers, Inc. (CFR) — Stock overview

cfr stock refers to the NYSE-listed common shares of Cullen/Frost Bankers, Inc., trading under the ticker CFR. This article gives a clear, beginner-friendly but thorough reference on who Cullen/Frost Bankers is, how the business operates, where to find financial statements, and the stock-specific details investors monitor. Read on to learn what drives CFR stock, key risks to watch, and where to get up-to-date market data.

Company profile

Cullen/Frost Bankers, Inc. is a Texas-based financial holding company whose primary banking subsidiary is Frost Bank. The company provides commercial and consumer banking, treasury and cash management, mortgage and leasing services, and wealth management through Frost Wealth Advisors and related affiliates. Headquartered in San Antonio, Texas, Cullen/Frost focuses primarily on Texas markets including San Antonio, Austin, Dallas–Fort Worth, and Houston.

CFR stock represents ownership in the holding company that controls these banking and wealth management operations. The company’s business model centers on deposit gathering, lending to local businesses and consumers, fee income from advisory and payment services, and wealth-management client relationships.

History and corporate milestones

Founded as a bank with deep regional roots, Frost Bank and its predecessors built a reputation for conservative banking and stable customer relationships.
Over decades, Cullen/Frost Bankers expanded through organic growth and targeted acquisitions to broaden its commercial banking and wealth-advisory footprint in Texas.
The company’s listing on the New York Stock Exchange under the ticker CFR established public access to its common shares.
Leadership transitions and governance developments over time have guided strategic priorities across lending, digital channels, and capital management.

These milestones shaped the business that CFR stock represents today: a regional bank with a mix of commercial lending, consumer deposits, and wealth-advisory revenue.

Business operations and segments

Cullen/Frost reports business activity across core components typical of a regional financial institution:

Banking: commercial loans, consumer loans, mortgage lending, and deposit services form the core of interest-earning assets and net interest income.
Wealth and advisory: trust, investment management, and brokerage-style advisory services generate fee income and deepen client relationships.
Insurance and other services: selected insurance and ancillary financial products contribute fee-based income.

Client focus includes middle-market and small-business clients, retail consumers, and high-net-worth individuals in the company’s Texas footprint. Profitability drivers include net interest margin (difference between interest earned on loans and interest paid on deposits), fee-based revenue growth, and efficiency in expense management.

Branch network and distribution channels

Cullen/Frost maintains a physical branch network concentrated in Texas cities such as San Antonio, Austin, Dallas–Fort Worth, and Houston. The branch network supports commercial banking relationships and retail deposits.

Alongside branches, the company invests in digital banking platforms and online channels to service consumer and commercial clients. Digital adoption can reduce per-customer servicing costs, expand access to remote customers, and provide cross-sell opportunities for wealth and advisory services.

Financial performance

Investors looking at CFR stock typically evaluate recurring revenue sources, expense trends, and asset quality. Major components to watch include:

Net interest income and net interest margin (NIM): primary drivers of bank profitability.
Fee income: wealth management and transaction-related revenues that diversify income beyond interest.
Loan portfolio mix and credit quality: concentrations, non-performing assets, and allowance for loan losses.
Deposit levels and cost of deposits: funding stability and interest expense pressures.

Figures for revenue, net income, and balance-sheet totals vary by quarter and fiscal year. Use the company’s latest 10-Q/10-K filings and investor presentations for precise, dated figures.

Key financial statements

Investors find the following statements essential when analyzing CFR stock:

Income statement: shows revenue (interest and non-interest), provision for credit losses, operating expenses, and net earnings.
Balance sheet: lists loans, securities, deposits, borrowings, shareholder equity, and capital ratios.
Cash flow statement: tracks operating cash flow, investing activities (securities, loans), and financing (dividends, share repurchases).

Common metrics to monitor: return on assets (ROA), return on equity (ROE), efficiency ratio (non-interest expenses divided by total revenue), loan-to-deposit ratio, and capital adequacy measures.

Stock information and trading details

Ticker: CFR
Exchange: NYSE (New York Stock Exchange)
Share class: Common stock
Trading hours: Regular U.S. equity trading hours apply; consult market platforms for pre-market and after-hours sessions.

Live quotes and historical charts are available from major financial-data providers and brokerage platforms. For transactional access and trading features, consider Bitget’s market tools and trading interface when available for U.S. equities.

Market capitalization and float

Market capitalization, shares outstanding, and public float change over time. Market cap is calculated as current share price multiplied by total shares outstanding; float is the number of shares available for public trading. These figures affect liquidity, trading volume, and potential index inclusion.

As of 2026-01-28, according to Yahoo Finance and Nasdaq pages for Cullen/Frost, market-cap and volume figures are published on the company’s profile pages—consult those dated pages for the most recent numbers. (See reporting sources cited below.)

Price history and historical performance

When presenting price history for CFR stock, typical items include the 52-week high/low, multi-year performance, and returns relative to sector peers. Major catalysts that historically cause price movement include quarterly earnings, changes in interest-rate outlooks, credit-loss surprises, regulatory events, and major corporate actions.

Dividends and shareholder returns

Cullen/Frost has a history of paying dividends; dividend policy and payout levels can change based on earnings, capital needs, and regulatory guidance. Typical dividend metrics investors review include:

Dividend yield: annual dividend per share divided by share price.
Payout ratio: dividend as a percentage of net income or EPS.
Ex-dividend and payment dates: announced on investor relations releases.

Shareholder-return actions may also include share repurchases. For precise, dated dividend amounts and recent buyback authorizations, refer to the company’s investor-relations announcements and SEC filings.

Ownership and major shareholders

Ownership of CFR stock is a mix of institutional investors, mutual funds, and company insiders. Common sources for current major holders include the company’s proxy statements, 13D/13G filings, and aggregated data on financial-data platforms.

Insider transactions and institutional stake changes can be informative about management confidence and large investor sentiment, but they should be interpreted in context.

Corporate governance and management

Cullen/Frost’s governance structure includes a board of directors, executive officers (CEO, CFO, and other senior executives), and committees overseeing audit, risk, compensation, and nominations. Proxy statements and governance documents disclose board composition, executive compensation, and shareholder voting items.

For up-to-date names and biographies of key executives, consult the company’s investor-relations materials and proxy filings.

Analyst coverage and market sentiment

Sell-side analysts produce coverage on CFR stock with ratings (buy/hold/sell) and price targets. Aggregated consensus estimates—such as expected EPS, revenue, and price targets—are available through financial-data providers and research platforms.

Sentiment can shift around quarterly earnings, macroeconomic changes (especially interest-rate shifts), and region-specific economic developments in Texas.

Valuation metrics

Common valuation measures for banks and financial-holding companies like Cullen/Frost include:

Price-to-earnings (P/E) ratio
Price-to-book (P/B) ratio
Price-to-tangible-book-value (P/TBV)
Dividend yield
Tangible book value per share

Bank-specific valuation also focuses on credit trends, loan growth, deposit stability, and capital ratios compared with regional peers.

Credit, regulatory and risk considerations

Key risks that affect CFR stock include:

Credit risk: deterioration in borrower credit quality leading to higher provisions and charge-offs.
Interest-rate sensitivity: NIM and loan repricing depend on the interest-rate environment.
Deposit stability: regional banks can face deposit outflows if depositors move funds elsewhere; deposit cost increases compress margins.
Regulatory oversight: compliance, capital requirements and stress tests impact capital allocation.
Geographic concentration: heavy exposure to Texas economic cycles (energy, real estate, and small-business activity) can amplify region-specific shocks.

Monitoring loan loss reserves, non-performing assets, and the company’s regulatory disclosures helps assess these risks for CFR stock.

Recent developments and notable news (template)

When summarizing recent developments for CFR stock, include dated, sourced items such as:

Quarterly earnings release: date, EPS vs. consensus, guidance changes.
Capital actions: dividend changes, share-repurchase authorizations.
Leadership changes: CEO, CFO, or significant board appointments.
Major acquisitions or divestitures.
Regulatory actions or significant litigation.

As of 2026-01-28, according to the company’s investor-relations releases and major financial-data providers, investors should consult the latest 8-K, 10-Q or press releases for material updates. For example: As of 2026-01-28, according to the company’s investor-relations site, most recent quarterly results and presentations are available on the IR page for precise dated metrics.

Investor relations and filings

Primary sources for verified data on CFR stock:

Company investor relations: earnings releases, presentations, and shareholder communications.
SEC filings (10-K, 10-Q, 8-K, proxy statements): authoritative legal disclosures.
Financial-data providers: stock quotes, peer comparisons, and consolidated financial metrics.

Always check the filing date and the document version when using figures for analysis or reporting.

Trading instruments and derivatives

Options: Depending on liquidity and exchange listings, options may be available on CFR stock. Typical option metrics include open interest, implied volatility, and option volume. Check options chains on market data platforms to confirm availability and activity.

ETFs and mutual funds: CFR stock may appear as a holding in regional-bank or financial-sector ETFs and mutual funds. Fund holdings pages indicate exposure; institutional filings show larger allocations.

Comparative peers and industry context

Comparable regional-bank peers include mid-sized and regional U.S. banks that operate primarily in specific states or multi-state regions. When placing CFR stock in context, consider peer P/B, P/TBV, NIM, credit metrics, and regional economic drivers.

Industry trends that influence CFR stock: interest-rate cycles, regulatory policy for regional banks, commercial real-estate conditions, and deposit competition.

Research and data sources

Recommended primary public sources for CFR stock information:

Company investor-relations materials and SEC EDGAR filings (for official, dated disclosures).
Financial-data providers’ company profile pages for live quotes and historical charts.
Independent research platforms for valuation models and analyst consensus.

As of 2026-01-28, according to Yahoo Finance and Nasdaq reporting pages, up-to-date pricing, market-cap and trading-volume figures for CFR stock are published. For detailed filings, consult SEC EDGAR for the company’s CIK and documents.

References

Sources used to compile this guide include the company’s investor-relations materials and SEC filings, and major financial-data providers reporting on CFR stock such as Yahoo Finance, Nasdaq, Morningstar, and recognized financial news outlets.

As of 2026-01-28, according to Yahoo Finance, company profile and market-data pages contain market-cap and trading metrics for CFR stock. (Report date: 2026-01-28.)
As of 2026-01-28, Nasdaq’s company listing page reports up-to-date trading statistics for CFR stock. (Report date: 2026-01-28.)
As of 2026-01-28, the company’s investor-relations site publishes the latest 10-Q/10-K and earnings presentation relevant to CFR stock. (Report date: 2026-01-28.)

Note: Always confirm timestamped numeric figures on the original filings and market-data pages before using them for trading or reporting.

How to monitor and act on information about CFR stock (practical tips)

Check the company’s SEC filings and investor-relations releases for authoritative, dated figures before making decisions.
Monitor quarterly earnings calls for management commentary about loan trends, deposit flows, and capital planning that can move CFR stock.
Track local economic indicators in Texas (commercial real estate, energy sector trends, small-business loan demand) because Cullen/Frost has regional concentration.
Use market-data platforms to view real-time quotes, historical charts, and option chains if you plan to trade derivatives on CFR stock.

If you want an integrated trading and market-data experience for equities like CFR stock, consider exploring Bitget’s trading tools and market monitors to follow price action, set alerts, and access trading interfaces.

Risk statement and neutrality

This article provides informational content about CFR stock and related company and market considerations. It is not investment advice, and it does not recommend buying, selling, or holding CFR stock. Investors should perform their own due diligence and consult licensed financial professionals when appropriate.