| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 29.02% | 28.23% | 30.09% | 34.15% | 32.30% | 22.97% | 32.43% | 34.75% | 30.27% | 27.02% | 26.22% | 27.60% |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | — | — | — | — | — | — | — | — | — | — | — | — |
| ROE | 14.18% | 14.94% | 16.09% | 18.46% | 9.98% | 7.71% | 11.34% | 13.50% | 11.04% | 10.13% | 9.66% | 9.75% |
| ROA | 1.22% | 1.11% | 1.18% | 1.09% | 0.87% | 0.78% | 1.30% | 1.41% | 1.15% | 1.01% | 0.98% | 0.98% |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Book Value / Share | 71.34 | 60.67 | 57.70 | 48.62 | 69.26 | 68.14 | 61.66 | 52.08 | 51.00 | 47.68 | 45.54 | 45.28 |
Cullen/Frost Bankers Inc. is a financial services holding company based in Texas, United States. Primarily offering commercial and consumer banking, trust and investment management services, Cullen/Frost Bankers Inc. operates through its main subsidiary, Frost Bank. It serves a diverse clientele, ranging from small businesses to large corporations, as well as individual retail customers, showcasing its strong community orientation. With a history tracing back to 1868, the company has built a solid reputation for stability and customer service. Cullen/Frost Bankers Inc. significantly impacts the financial sector in Texas, reflecting regional economic trends and contributing to local development. As one of the largest banks in the region, it plays a key role in supporting financial infrastructure, providing both traditional banking services and advanced digital banking solutions. The company's deep-rooted presence and extensive network across Texas enable it to effectively respond to customer needs, while its prudent risk management and conservative lending practices ensure long-term sustainability in the ever-evolving financial market.