Cullen/Frost Bankers, Inc.
CFR-PB
New York Stock Exchange16.55
USD
+0.06
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Cullen/Frost Bankers, Inc.
CFR-PB
(New York Stock Exchange)
Recent
price
16.55
P/E
ratio
- -
div
yld
- -
ROIC.AI
Capital Structure
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.- Similar Companies
- Business
- Cullen/Frost Bankers, Inc. functions as the bank holding company for Frost Bank, delivering an extensive array of financial services and products across Texas. Operating through its distinct Banking and Frost Wealth Advisors segments, the company caters to both commercial and individual clients. Within its commercial banking offerings, Frost provides robust financing for industrial and commercial properties, along with interim construction support, equipment, inventory, accounts receivable, and acquisition funding. Businesses also benefit from commercial leasing, comprehensive treasury management solutions, merchant services, and Small Business Administration (SBA) loan programs, coupled with dedicated fraud prevention. For individual consumers, the bank offers a diverse suite of personal banking services, including various checking and savings accounts, an expansive network of automated teller machines, overdraft facilities, and a range of loan products such as installment loans, real estate loans, and home equity options. The institution further supports clients with convenient drive-in and night deposit services, secure safe deposit boxes, and modern online and mobile banking capabilities. Frost also extends international banking services, facilitating deposits, loans, letters of credit, foreign collections, funds transfers, and foreign exchange for businesses engaged in global activities. The Frost Wealth Advisors segment provides specialized trust and investment management services, acting as an agent and custodian for individual and corporate clients. This includes financial planning, private banking, and investment management for Frost-managed mutual funds, institutions, and individuals. Complementing these core services, the company offers capital market solutions, encompassing sales and trading, new issue underwriting, money market trading, advisory services, and securities safekeeping and clearance. Furthermore, through Frost Insurance, it delivers a broad spectrum of insurance products, including property and casualty, commercial, and employee benefits, alongside risk management consultation. Cullen/Frost Bankers also serves as a correspondent for numerous financial institutions. With a focus on building long-term relationships, the company generates revenue primarily through net interest income from loans and deposits, augmented by non-interest income from wealth management fees, insurance services, and other banking activities. Headquartered in San Antonio, Texas, since its founding in 1868, Cullen/Frost Bankers has grown to be one of the 50 largest U.S. banks. It now operates nearly 200 financial centers and maintains the largest ATM network across major Texas markets, including San Antonio, Austin, Corpus Christi, Dallas, Fort Worth, Houston, the Permian Basin, and the Rio Grande Valley. Recent strategic expansions include plans to double its financial centers in Austin by 2026, building on successful growth in Houston and Dallas. The company has achieved record customer growth and consistently earns national recognition for its customer service, overall satisfaction, and ease of doing business in both small business and middle-market banking segments. For 16 consecutive years, as of 2025, Frost Bank has held the highest ranking in customer satisfaction in Texas in the J.D. Power U.S. Retail Banking Satisfaction Study. The company emphasizes a "financial belonging" approach, striving to make customers feel valued and connected to their banking relationship. It serves a diverse clientele across sectors such as energy, manufacturing, construction, retail, healthcare, and transportation, leveraging a customer-centric model and ongoing investment in technology.