Cullen/Frost Bankers Inc
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquis… Read more
Cullen/Frost Bankers Inc (CFR) - Total Assets
Latest total assets as of September 2025: $52.53 Billion USD
Based on the latest financial reports, Cullen/Frost Bankers Inc (CFR) holds total assets worth $52.53 Billion USD as of September 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Cullen/Frost Bankers Inc - Total Assets Trend (1989–2024)
This chart illustrates how Cullen/Frost Bankers Inc’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Cullen/Frost Bankers Inc - Asset Composition Analysis
Current Asset Composition (December 2024)
Cullen/Frost Bankers Inc's total assets of $52.53 Billion consist of 48.1% current assets and 51.9% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 19.5% |
| Accounts Receivable | $0.00 | 0.0% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $1.25 Billion | 2.4% |
| Intangible Assets | $0.00 | 0.0% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (1989–2024)
This chart illustrates how Cullen/Frost Bankers Inc's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Cullen/Frost Bankers Inc's current assets represent 48.1% of total assets in 2024, an increase from 24.2% in 1989.
- Cash Position: Cash and equivalents constituted 19.5% of total assets in 2024, down from 20.6% in 1989.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 1989.
- Asset Diversification: The largest asset category is property, plant & equipment at 2.4% of total assets.
Cullen/Frost Bankers Inc Competitors by Total Assets
Key competitors of Cullen/Frost Bankers Inc based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001
|
China | CN¥5.77 Trillion |
|
Bank of Ningbo Co Ltd
SHE:002142
|
China | CN¥3.58 Trillion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
China | CN¥743.55 Billion |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
|
China | CN¥509.92 Billion |
|
Bank of Suzhou
SHE:002966
|
China | CN¥776.04 Billion |
|
Jeju Bank
KO:006220
|
Korea | ₩7.72 Trillion |
|
Industrial Bank Of Korea
KO:024110
|
Korea | ₩490.11 Trillion |
|
Hana Financial
KO:086790
|
Korea | ₩659.08 Trillion |
Cullen/Frost Bankers Inc - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Cullen/Frost Bankers Inc generates 0.05x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Cullen/Frost Bankers Inc generates $ 1.11 in net profit.
Cullen/Frost Bankers Inc - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.40 | 0.54 | 0.56 |
| Quick Ratio | 0.40 | 0.54 | 0.56 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-28.50 Billion | $ -21.25 Billion | $ -16.55 Billion |
Cullen/Frost Bankers Inc - Advanced Valuation Insights
This section examines the relationship between Cullen/Frost Bankers Inc's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.87 |
| Latest Market Cap to Assets Ratio | 0.15 |
| Asset Growth Rate (YoY) | 3.3% |
| Total Assets | $52.52 Billion |
| Market Capitalization | $8.09 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Cullen/Frost Bankers Inc's assets below their book value (0.15 x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Cullen/Frost Bankers Inc's assets grew by 3.3% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Cullen/Frost Bankers Inc (1989–2024)
The table below shows the annual total assets of Cullen/Frost Bankers Inc from 1989 to 2024.
| Year | Total Assets | Change |
|---|---|---|
| 2024-12-31 | $52.52 Billion | +3.29% |
| 2023-12-31 | $50.85 Billion | -3.87% |
| 2022-12-31 | $52.89 Billion | +8.17% |
| 2021-12-31 | $48.90 Billion | +19.37% |
| 2020-12-31 | $40.96 Billion | +22.96% |
| 2019-12-31 | $33.31 Billion | +3.16% |
| 2018-12-31 | $32.29 Billion | +1.72% |
| 2017-12-31 | $31.75 Billion | +5.14% |
| 2016-12-31 | $30.20 Billion | +5.70% |
| 2015-12-31 | $28.57 Billion | +1.02% |
| 2014-12-31 | $28.28 Billion | +16.31% |
| 2013-12-31 | $24.31 Billion | +5.14% |
| 2012-12-31 | $23.12 Billion | +13.81% |
| 2011-12-31 | $20.32 Billion | +15.33% |
| 2010-12-31 | $17.62 Billion | +8.16% |
| 2009-12-31 | $16.29 Billion | +8.34% |
| 2008-12-31 | $15.03 Billion | +11.49% |
| 2007-12-31 | $13.49 Billion | +1.97% |
| 2006-12-31 | $13.22 Billion | +12.63% |
| 2005-12-31 | $11.74 Billion | +17.97% |
| 2004-12-31 | $9.95 Billion | +2.90% |
| 2003-12-31 | $9.67 Billion | +1.43% |
| 2002-12-31 | $9.54 Billion | +13.94% |
| 2001-12-31 | $8.37 Billion | +9.26% |
| 2000-12-31 | $7.66 Billion | +9.49% |
| 1999-12-31 | $7.00 Billion | +1.85% |
| 1998-12-31 | $6.87 Billion | +13.63% |
| 1997-12-31 | $6.05 Billion | +23.67% |
| 1996-12-31 | $4.89 Billion | +16.38% |
| 1995-12-31 | $4.20 Billion | +10.72% |
| 1994-12-31 | $3.79 Billion | +4.25% |
| 1993-12-31 | $3.64 Billion | +15.49% |
| 1992-12-31 | $3.15 Billion | +2.34% |
| 1991-12-31 | $3.08 Billion | -5.40% |
| 1990-12-31 | $3.25 Billion | -7.14% |
| 1989-12-31 | $3.50 Billion | -- |