Cullen/Frost Bankers Inc (CFR) — Financial Flexibility Index
Cullen/Frost Bankers Inc (CFR) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $315.80 Million (operating CF $248.58 Million minus capex $67.22 Million) represents 0% of total liabilities ($48.07 Billion). Check Cullen/Frost Bankers Inc strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Cullen/Frost Bankers Inc Financial Flexibility Index (1989–2024)
Historical Financial Flexibility Index trend for Cullen/Frost Bankers Inc across 36 annual periods. See working capital to net assets of Cullen/Frost Bankers Inc to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Cullen/Frost Bankers Inc (1989–2024)
Year-by-year free cash flow to debt coverage for Cullen/Frost Bankers Inc. For the full company profile including market capitalisation, see CFR company net worth.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $1.12 Billion | $989.53 Million | $48.62 Billion | ▲ +69.9% |
| 2023 | 0.01x | $637.48 Million | $478.85 Million | $47.13 Billion | ▼ -18.4% |
| 2022 | 0.02x | $825.08 Million | $722.58 Million | $49.76 Billion | ▲ +3.2% |
| 2021 | 0.02x | $714.14 Million | $648.29 Million | $44.46 Billion | ▼ -4.9% |
| 2020 | 0.02x | $619.66 Million | $524.24 Million | $36.67 Billion | ▼ -40.9% |
| 2019 | 0.03x | $840.81 Million | $634.09 Million | $29.40 Billion | ▲ +28.9% |
| 2018 | 0.02x | $641.66 Million | $562.39 Million | $28.92 Billion | ▲ +10.3% |
| 2017 | 0.02x | $572.17 Million | $538.08 Million | $28.45 Billion | ▲ +11.3% |
| 2016 | 0.02x | $491.49 Million | $437.84 Million | $27.19 Billion | ▼ -14.4% |
| 2015 | 0.02x | $541.99 Million | $394.86 Million | $25.68 Billion | ▲ +27.2% |
| 2014 | 0.02x | $421.82 Million | $289.85 Million | $25.43 Billion | ▲ +69.6% |
| 2013 | 0.01x | $213.21 Million | $173.61 Million | $21.80 Billion | ▼ -37.7% |
| 2012 | 0.02x | $324.89 Million | $300.00 Million | $20.71 Billion | ▼ -6.0% |
| 2011 | 0.02x | $301.09 Million | $274.37 Million | $18.03 Billion | ▼ -41.2% |
| 2010 | 0.03x | $441.36 Million | $424.53 Million | $15.56 Billion | ▲ +16.0% |
| 2009 | 0.02x | $352.19 Million | $273.93 Million | $14.39 Billion | ▲ +7.6% |
| 2008 | 0.02x | $301.84 Million | $234.37 Million | $13.27 Billion | ▲ +22.8% |
| 2007 | 0.02x | $222.35 Million | $201.28 Million | $12.01 Billion | ▲ +948.7% |
| 2006 | 0.00x | $-25.85 Million | $-53.13 Million | $11.85 Billion | ▼ -115.6% |
| 2005 | 0.01x | $150.53 Million | $132.44 Million | $10.76 Billion | ▼ -11.4% |
| 2004 | 0.02x | $144.18 Million | $128.78 Million | $9.13 Billion | ▼ -34.6% |
| 2003 | 0.02x | $214.87 Million | $202.36 Million | $8.90 Billion | ▼ -31.9% |
| 2002 | 0.04x | $313.14 Million | $272.20 Million | $8.83 Billion | ▲ +152.9% |
| 2001 | 0.01x | $109.00 Million | $91.52 Million | $7.77 Billion | ▼ -36.1% |
| 2000 | 0.02x | $155.41 Million | $130.20 Million | $7.09 Billion | ▼ -9.3% |
| 1999 | 0.02x | $156.90 Million | $136.60 Million | $6.49 Billion | ▲ +14.6% |
| 1998 | 0.02x | $134.10 Million | $115.30 Million | $6.36 Billion | ▲ +77.6% |
| 1997 | 0.01x | $66.30 Million | $48.20 Million | $5.58 Billion | ▼ -45.4% |
| 1996 | 0.02x | $98.00 Million | $76.60 Million | $4.51 Billion | ▼ -9.1% |
| 1995 | 0.02x | $92.30 Million | $85.90 Million | $3.86 Billion | ▲ +31.8% |
| 1994 | 0.02x | $63.50 Million | $47.10 Million | $3.50 Billion | ▲ +8.5% |
| 1993 | 0.02x | $56.30 Million | $43.00 Million | $3.37 Billion | ▼ -26.0% |
| 1992 | 0.02x | $66.60 Million | $54.90 Million | $2.94 Billion | ▲ +53.0% |
| 1991 | 0.01x | $42.90 Million | $32.50 Million | $2.90 Billion | ▼ -11.2% |
| 1990 | 0.02x | $51.30 Million | $45.40 Million | $3.08 Billion | ▲ +289.9% |
| 1989 | 0.00x | $14.20 Million | $-2.70 Million | $3.33 Billion | — |