Cullen/Frost Bankers Inc (CFR) — Cash Flow Quality Index
Cullen/Frost Bankers Inc (CFR) has a Cash Flow Quality Index of 1.43x as of September 2025. Operating cash flow of $248.58 Million exceeds net income of $174.38 Million, indicating high earnings quality where cash backs reported profits. Explore Cullen/Frost Bankers Inc (CFR) investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cullen/Frost Bankers Inc Cash Flow Quality Index (1989–2024)
Historical Cash Flow Quality Index for Cullen/Frost Bankers Inc across 35 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check how tangible is Cullen/Frost Bankers Inc's equity to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Cullen/Frost Bankers Inc (1989–2024)
Year-by-year earnings quality comparison for Cullen/Frost Bankers Inc. For live market cap and the full company financial profile, see Cullen/Frost Bankers Inc stock valuation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.70x | $989.53 Million | $582.54 Million | ▲ +112.1% |
| 2023 | 0.80x | $478.85 Million | $597.97 Million | ▼ -35.8% |
| 2022 | 1.25x | $722.58 Million | $579.15 Million | ▼ -14.7% |
| 2021 | 1.46x | $648.29 Million | $443.08 Million | ▼ -7.6% |
| 2020 | 1.58x | $524.24 Million | $331.15 Million | ▲ +10.8% |
| 2019 | 1.43x | $634.09 Million | $443.60 Million | ▲ +15.6% |
| 2018 | 1.24x | $562.39 Million | $454.92 Million | ▼ -16.3% |
| 2017 | 1.48x | $538.08 Million | $364.15 Million | ▲ +2.7% |
| 2016 | 1.44x | $437.84 Million | $304.26 Million | ▲ +1.8% |
| 2015 | 1.41x | $394.86 Million | $279.33 Million | ▲ +35.6% |
| 2014 | 1.04x | $289.85 Million | $277.98 Million | ▲ +42.9% |
| 2013 | 0.73x | $173.61 Million | $237.87 Million | ▼ -42.1% |
| 2012 | 1.26x | $300.00 Million | $237.95 Million | ▼ 0.0% |
| 2011 | 1.26x | $274.37 Million | $217.53 Million | ▼ -38.0% |
| 2010 | 2.03x | $424.53 Million | $208.76 Million | ▲ +32.9% |
| 2009 | 1.53x | $273.93 Million | $179.03 Million | ▲ +35.3% |
| 2008 | 1.13x | $234.37 Million | $207.25 Million | ▲ +19.1% |
| 2007 | 0.95x | $201.28 Million | $212.07 Million | ▲ +445.8% |
| 2006 | -0.27x | $-53.13 Million | $193.59 Million | ▼ -134.3% |
| 2005 | 0.80x | $132.44 Million | $165.42 Million | ▼ -12.1% |
| 2004 | 0.91x | $128.78 Million | $141.32 Million | ▼ -41.2% |
| 2003 | 1.55x | $202.36 Million | $130.50 Million | ▼ -33.4% |
| 2002 | 2.33x | $272.20 Million | $116.99 Million | ▲ +105.7% |
| 2001 | 1.13x | $91.52 Million | $80.92 Million | ▼ -5.5% |
| 2000 | 1.20x | $130.20 Million | $108.82 Million | ▼ -14.5% |
| 1999 | 1.40x | $136.60 Million | $97.60 Million | ▼ -8.2% |
| 1998 | 1.53x | $115.30 Million | $75.60 Million | ▲ +131.0% |
| 1997 | 0.66x | $48.20 Million | $73.00 Million | ▼ -45.8% |
| 1996 | 1.22x | $76.60 Million | $62.90 Million | ▼ -34.4% |
| 1995 | 1.86x | $85.90 Million | $46.30 Million | ▲ +47.3% |
| 1994 | 1.26x | $47.10 Million | $37.40 Million | ▲ +13.3% |
| 1993 | 1.11x | $43.00 Million | $38.70 Million | ▼ -64.4% |
| 1992 | 3.12x | $54.90 Million | $17.60 Million | ▼ -98.1% |
| 1991 | 162.50x | $32.50 Million | $200.00K | ▲ +16350.0% |
| 1989 | -1.00x | $-2.70 Million | $2.70 Million | — |