CULLEN/FROST BANKERS, INC. CFR 80.28
Financials · NYSE · Data as of 2026-10-29
CULLEN/FROST BANKERS, INC. (CFR) has delivered +8.0% annualized revenue growth, +7.9% earnings growth, and +7.3% dividend growth over 10 years of data. Ranked #101 of 1968 stocks overall and #25 of 212 in the Financials sector by Steady Score.
About CULLEN/FROST BANKERS, INC.
Company Overview
Cullen/Frost Bankers is a financial holding company centered on Frost Bank in Texas. It provides commercial and consumer banking, treasury management, capital-markets services, trust, investment management, brokerage and insurance. Frost serves businesses, public entities and individuals through relationship bankers, branches and digital channels in major Texas markets. Its lending includes commercial, energy, real-estate and consumer credit supported by a broad deposit franchise.
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Business Model & Revenue
The company earns most revenue from interest on loans and securities funded primarily by customer deposits. It also collects fees for trust and investment management, deposit and treasury services, insurance, brokerage and other activities. A relationship-focused model seeks to attract operating accounts and low-cost deposits alongside lending. Interest rates, deposit mix, loan growth, credit quality, securities values and operating investment determine profitability.
Key Facts & Market Position
Frost is concentrated in Texas and has built a long-standing reputation for service, conservative credit practices and liquidity. The state's growth provides opportunity, but geographic concentration links results to local property, energy and business conditions. Deposit competition and rate changes affect funding costs, while capital strength, credit discipline, regulation and continued branch expansion shape long-term returns.