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Cullen/Frost Bankers (CFR)
NYSE:CFR
US Market
CFR
Cullen/Frost Bankers
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Cullen/Frost Bankers (CFR) Ratios

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Cullen/Frost Bankers Ratios

CFR's free cash flow for Q2 2026 was $0.99. For the 2026 fiscal year, CFR's free cash flow was decreased by $ and operating cash flow was $0.35. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.19 0.21 0.54 0.55 0.63
Quick Ratio
 0.19 0.21 0.54 0.55 0.63
Cash Ratio
 0.14 0.19 0.22 0.19 0.24
Solvency Ratio
 0.02 0.02 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.15 <0.01 0.02 0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.15 0.06 0.23 0.12 0.15
Net Current Asset Value
$ -48.31B$ -38.49B$ -23.36B$ -21.95B$ -18.61B
Leverage Ratios
Debt-to-Assets Ratio
 0.10 0.09 0.09 0.09 0.09
Debt-to-Equity Ratio
 1.17 1.04 1.18 1.17 1.57
Debt-to-Capital Ratio
 0.54 0.51 0.54 0.54 0.61
Long-Term Debt-to-Capital Ratio
 0.05 0.05 0.05 0.06 0.07
Financial Leverage Ratio
 11.66 11.60 13.47 13.68 16.86
Debt Service Coverage Ratio
 0.14 0.14 0.13 0.14 0.13
Interest Coverage Ratio
 1.31 1.13 0.89 1.08 3.63
Debt to Market Cap
 0.51 0.59 0.53 0.63 0.58
Interest Debt Per Share
 96.33 85.12 83.72 78.24 79.79
Net Debt to EBITDA
 5.24 -4.77 -7.23 -5.37 -9.30
Profitability Margins
Gross Profit Margin
85.82%75.04%70.14%73.35%90.03%
EBIT Margin
30.75%26.43%24.42%26.92%35.57%
EBITDA Margin
34.10%29.44%27.33%29.81%39.36%
Operating Profit Margin
30.75%26.43%24.42%26.92%35.57%
Pretax Profit Margin
30.75%26.43%24.42%26.92%35.57%
Net Profit Margin
25.86%22.21%20.44%22.60%30.80%
Continuous Operations Profit Margin
25.86%22.21%20.44%22.60%30.80%
Net Income Per EBT
84.10%84.04%83.70%83.94%86.59%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.27%1.22%1.11%1.18%1.09%
Return on Equity (ROE)
15.04%14.18%14.94%16.09%18.46%
Return on Capital Employed (ROCE)
1.66%13.83%12.81%14.89%19.91%
Return on Invested Capital (ROIC)
1.27%6.41%5.95%6.70%7.17%
Return on Tangible Assets
1.27%1.22%1.11%1.18%1.11%
Earnings Yield
6.67%8.00%6.76%8.58%6.75%
Efficiency Ratios
Receivables Turnover
 10.36 0.00 0.00 0.00 1.74
Payables Turnover
 0.00 0.00 0.00 0.00 0.22
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 1.93 2.22 2.29 2.22 1.71
Asset Turnover
 0.05 0.06 0.05 0.05 0.04
Working Capital Turnover Ratio
 -0.73 -0.10 -0.13 -0.13 -0.11
Cash Conversion Cycle
 35.23 0.00 0.00 0.00 -1.48K
Days of Sales Outstanding
 35.23 0.00 0.00 0.00 209.22
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 1.69K
Operating Cycle
 35.23 0.00 0.00 0.00 209.22
Cash Flow Ratios
Operating Cash Flow Per Share
 11.46 4.28 15.42 7.46 11.26
Free Cash Flow Per Share
 10.28 1.99 13.43 4.99 9.67
CapEx Per Share
 1.18 2.29 1.99 2.47 1.60
Free Cash Flow to Operating Cash Flow
 0.90 0.46 0.87 0.67 0.86
Dividend Paid and CapEx Coverage Ratio
 2.13 0.67 2.63 1.20 2.27
Capital Expenditure Coverage Ratio
 9.73 1.87 7.74 3.02 7.05
Operating Cash Flow Coverage Ratio
 0.13 0.06 0.22 0.11 0.15
Operating Cash Flow to Sales Ratio
 0.27 0.09 0.35 0.18 0.38
Free Cash Flow Yield
6.36%1.57%10.00%4.60%7.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.40 12.64 14.79 11.65 14.81
Price-to-Sales (P/S) Ratio
 3.84 2.78 3.02 2.63 4.56
Price-to-Book (P/B) Ratio
 2.22 1.77 2.21 1.87 2.73
Price-to-Free Cash Flow (P/FCF) Ratio
 15.73 63.70 10.00 21.75 13.83
Price-to-Operating Cash Flow Ratio
 14.25 29.61 8.71 14.55 11.87
Price-to-Earnings Growth (PEG) Ratio
 1.09 0.98 -5.86 3.81 0.49
Price-to-Fair Value
 2.22 1.77 2.21 1.87 2.73
Enterprise Value Multiple
 16.51 4.67 3.83 3.46 2.29
Enterprise Value
 14.88B 4.01B 2.99B 2.73B 1.69B
EV to EBITDA
 16.51 4.67 3.83 3.46 2.29
EV to Sales
 5.63 1.37 1.05 1.03 0.90
EV to Free Cash Flow
 23.05 31.53 3.47 8.52 2.73
EV to Operating Cash Flow
 20.68 14.65 3.02 5.69 2.34
Tangible Book Value Per Share
 73.64 71.39 60.74 57.88 38.68
Shareholders’ Equity Per Share
 73.64 71.39 60.74 57.88 48.90
Tax and Other Ratios
Effective Tax Rate
 0.16 0.16 0.16 0.16 0.13
Revenue Per Share
 42.11 45.58 44.40 41.22 29.31
Net Income Per Share
 10.89 10.13 9.08 9.31 9.03
Tax Burden
 0.84 0.84 0.84 0.84 0.87
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.40 0.31 0.29 0.28 0.32
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.05 0.42 1.70 0.80 1.25
Currency in USD