CFR PEER ANALYSIS

Cullen/Frost Bankers Inc — metric-by-metric comparison with peers and the industry median

CFRCullen/Frost Bankers Inc

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CFRIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CFR	UNI	AKBNK	GARAN	ISCTR	YKBNK	Ind. Median
P/E	15.19	13.12	6.10	4.73●	4.76	5.65	12.88
P/B	2.21	1.18	1.26	1.24	0.85●	1.17	1.28
EV/EBITDA	15.86	12.39	-1.70	-0.04	-17.00●	-3.80	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CFR	UNI	AKBNK	GARAN	ISCTR	YKBNK	Ind. Median
Current Ratio	0.20●	0.07	—	—	—	—	0.31
Debt/Equity	102.5%	126.7%	0.0%●	0.0%●	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	4.54	3.46	-7.12	-4.60	-28.33●	-9.43	-0.58

Profitability
Metric	CFR	UNI	AKBNK	GARAN	ISCTR	YKBNK	Ind. Median
Net Margin	24.0%	22.8%	27.4%	31.2%●	28.1%	23.3%	20.6%
ROE	15.5%	9.2%	23.0%	30.0%●	20.2%	23.5%	10.9%
ROA	1.3%	0.6%	2.0%	3.4%●	1.8%	1.9%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CFR	UNI	AKBNK	GARAN	ISCTR	YKBNK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	11.9%	2.3%	46.1%	24.7%	71.8%	85.7%●	19.4%
Div. Yield	2.6%	—	—	—	—	—	2.5%
Payout	39.5%	—	—	—	—	—	31.4%

Valuation
Metric	CFR	SSB	ONB	ZION	COLB	BPOP	Ind. Median
P/E	15.19	10.56●	13.53	10.80	14.32	12.09	12.88
P/B	2.21	1.09●	1.21	1.42	1.22	1.73	1.28
EV/EBITDA	15.86	3.04	14.11	-6.42	12.64	-13.05●	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CFR	SSB	ONB	ZION	COLB	BPOP	Ind. Median
Current Ratio	0.20	11.08●	0.04	0.28	3.56	0.39	0.31
Debt/Equity	102.5%	14.8%●	91.9%	32.1%	52.1%	20.0%	38.0%
NetDebt/EBITDA	4.54	-4.30	4.90	-14.15	3.37	-22.79●	-0.58

Profitability
Metric	CFR	SSB	ONB	ZION	COLB	BPOP	Ind. Median
Net Margin	24.0%	24.7%●	19.0%	19.5%	19.6%	20.4%	20.6%
ROE	15.5%●	10.6%	10.1%	14.1%	10.2%	14.9%	10.9%
ROA	1.3%	1.4%●	1.2%	1.1%	1.1%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CFR	SSB	ONB	ZION	COLB	BPOP	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	11.9%	83.8%●	34.5%	20.1%	32.1%	30.9%	19.4%
Div. Yield	2.6%	2.3%	2.2%	2.5%	3.4%●	1.8%	2.5%
Payout	39.5%	25.2%	31.2%	28.0%	56.0%	21.9%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.