Company profile · free preview
Cullen/Frost Bankers
CFR · Updated 11/13/2026
Revenue
$2.2B
Fiscal 2025
Net income
$648.6M
Fiscal 2025
Free cash flow
$127.3M
Fiscal 2025
Net cash / (debt)
—
Fiscal 2025
Five-year financials
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $2.2B | $2.1B | $2.0B | $1.7B | $1.4B |
| Net income | $648.6M | $582.5M | $598.0M | $579.1M | $443.1M |
| Diluted EPS | — | — | — | — | — |
| Operating cash flow | $274.0M | $989.5M | $478.8M | $722.6M | $648.3M |
| Free cash flow | $127.3M | $861.8M | $320.2M | $620.1M | $582.4M |
| Cash | — | — | — | — | — |
| Total debt | — | — | — | — | — |
Financial trends
Historical · FY2021–FY2025
Source: Reported annual filings (10-K / 20-F) and provider data. Fiscal years as reported; margins are calculated from the reported figures shown.
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Create free accountWhere the cash went
Cumulative, fiscal 2021–2025, straight from the reported cash-flow statements.
Reinvested in capex
19.3%
of operating cash flow
Returned to owners
—
of free cash flow (buybacks + dividends)
Diluted share count
—
change 2021–2025
| Operating cash flow | $3.1B |
| Capital expenditure | ($601.4M) |
| Free cash flow | $2.5B |
| Share buybacks | — |
| Dividends paid | — |
| Acquisitions (net) | — |
| Net debt issued / (repaid) | — |
| Stock-based compensation (non-cash) | — |
"—" means a year didn't report that line, so no total is shown rather than an estimate.
Cullen/Frost Bankers return on capital (fiscal 2025)
ROIC
—
Return on capital
14.5%
Return on equity
15.7%
Return on assets
1.2%
Gross margin
—
Operating margin
—
Net debt / EBITDA
—
Cullen/Frost Bankers insider buying and selling
Recent open-market trades reported on Form 4. Context only — not a reason to buy or sell.
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-11-05 | Bracher Paul | Sale | 2,900 | $158.24 |
| 2026-11-02 | Henson Matthew Bradley | Sale | 534 | $159.72 |
| 2026-10-30 | Berman Bobby | Sale | 2,406 | $157.10 |
SEC filings
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