Cullen/Frost Bankers Inc Financial Flexibility Index
Cullen/Frost Bankers Inc 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). See Cullen/Frost Bankers Inc free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Cullen/Frost Bankers Inc (1989–2024)
Financial flexibility index of Cullen/Frost Bankers Inc from 1989 to 2024. Historical Financial Flexibility Index trend for Cullen/Frost Bankers Inc across 36 annual periods. Check CFR cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Cullen/Frost Bankers Inc Financial Flexibility Index by Year (1989–2024)
Cullen/Frost Bankers Inc financial flexibility index by year from 1989 to 2024. Year-by-year free cash flow to debt coverage for Cullen/Frost Bankers Inc. For the full cash flow conversion analysis, see CFR operating cash flow.
| 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 | — |