CFR – Dividend Returns, History & Calculator

Dividend Champion 31 Years

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 pr

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Company Info

Symbol CFR
Company Cullen/Frost Bankers, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $7,953.2M

Price Data

Price $123.64
Price Change +3.79
Price Change % +3.16%
Next Earnings Report Jan 29, 2026
Low (52W) $100.31
High (52W) $147.64

Dividend Data

Div Yield 3.24%
5Y Avg Yield 2.93%
Current Div $1.000
Payouts/Year 4
Annualized $4.000
Previous Div $1.000
Ex-date Nov 28, 2025
Dividend Pay Date Dec 15, 2025

Growth Rates

Chowder Number 9.8
DGR 1Y 5.1%
DGR 3Y 7.7%
DGR 5Y 6.5%
DGR 10Y 6.5%

Total Returns

TTR 1Y - With Specials -7.7%
TTR 3Y - With Specials -1.3%
TTR 1Y - No Specials -7.7%
TTR 3Y - No Specials -1.3%

Fair Value

Fair Value (P/E 10) $102.90
FV (P/E 10) % 20.0%
Fair Value (Peter Lynch) $243.00
FV (Peter Lynch) % -49.0%
Fair Value (Blended) $103.33
FV (Blended) % 20.0%

Financial Metrics

Revenue 1Y 3.2%
NPM 27.7%
CF/Share $2.46
ROE 14.8%
Debt/Capital 5.0%
ROTC 14.9%
P/E 12.7x
P/BV 1.8x
📊 Financial data last updated: November 24, 2025 12:24 pm

Calculate your CFR Dividend Returns

Quickly and easily calculate CFR dividend yield using our CFR calculator. Adjust the fields below to see how your CFR investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: November 27, 2025 12:41 pm

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,00080$124.64$1.003.21%3.21%$349$34993$11,549
2$12,23693$132.05$1.073.23%3.42%$424$773105$13,860
3$14,684105$139.90$1.143.25%3.64%$507$1,280117$16,391
4$17,366117$148.22$1.213.26%3.88%$599$1,879129$19,164
5$20,304129$157.03$1.293.28%4.14%$700$2,579141$22,203
6$23,524141$166.37$1.373.30%4.41%$812$3,390153$25,535
7$27,053153$176.26$1.463.32%4.70%$935$4,325166$29,188
8$30,924166$186.74$1.563.34%5.01%$1,071$5,397178$33,195
9$35,169178$197.84$1.663.36%5.33%$1,222$6,618190$37,591
10$39,826190$209.61$1.773.38%5.68%$1,388$8,007202$42,414

CFR Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
08/29/202508/29/2025$1.003.02%3.10%$129.03
05/30/202505/30/2025$1.003.03%3.15%$126.98
02/28/202502/28/2025$0.9502.75%2.77%$137.03
11/29/202411/29/2024$0.9502.66%2.70%$140.62
08/30/202408/30/2024$0.9503.31%3.39%$112.23
05/31/202405/31/2024$0.9203.62%3.62%$101.58
02/28/202402/28/2024$0.9203.40%3.45%$106.67
11/29/202311/29/2023$0.9203.64%3.74%$98.35
08/30/202308/30/2023$0.9203.72%3.88%$94.77
05/30/202305/30/2023$0.8703.34%3.34%$104.30
02/27/202302/27/2023$0.8702.55%2.64%$131.70
11/29/202211/29/2022$0.8702.23%2.39%$145.36
08/30/202208/30/2022$0.8702.39%2.66%$130.63
05/27/202205/27/2022$0.7502.39%2.39%$125.53
02/25/202202/25/2022$0.7502.12%2.14%$140.14
11/29/202111/29/2021$0.7502.26%2.31%$129.96
08/30/202108/30/2021$0.7502.57%2.65%$113.22
05/27/202105/27/2021$0.7202.38%2.39%$120.61
02/25/202102/25/2021$0.7202.68%2.70%$106.57
11/27/202011/27/2020$0.7203.27%3.31%$87.10
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Invest in CFR with Interactive Brokers

CFR 10-yr Total Return ($10,000 invested)

This analysis of CFR demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 14.3% CAGR, representing strong long-term performance. The DRIP strategy provided 19% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (CFR)

Over the selected period, investing $10,000 in CFR would grow to $48,873 with DRIP (388.7%), and $43,092 without DRIP (330.9%).

CFR Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in CFR with historic price growth (5.95%) and dividend growth (6.55%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $129,673

Annual Dividend: $4,667

Yield on Cost: 13.73%

Total Dividends: $35,172

No DRIP

Portfolio: $102,045

Total Dividends: $25,014

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $349,986

Annual Dividend: $13,339

Yield on Cost: 29.00%

Total Dividends: $115,085

No DRIP

Portfolio: $218,769

Total Dividends: $65,243

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $13,133 against a total investment of $25,600. At this point, your portfolio is throwing off $2,144 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $3,368, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $35,172 versus $34,000 invested, nearly a 103% recovery of capital purely from income. Yield on cost reaches 13.73%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $7,927 is greater than total contributions to date ($40,000), and cumulative dividends exceed $64,900.

By year 30, the DRIP snowball is in full force. Yearly income reaches $13,339, cumulative dividends total $115,085, and the DRIP portfolio value stands at $349,986, compared with $218,769 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for CFR, price $124.64, dividend per period $1.00 (4x/year), along with historic growth assumptions: price growth 5.95% and dividend growth 6.55% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for CFR

Based on past 10-year performance, here are CFR growth metrics:

Share price CAGR of +9.22%
Dividend CAGR of +6.49%

Using CFR CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

CFR (DRIP)CFR (No DRIP)
Current Price$120.49$120.49
Start Shares82.9982.99
Start Value$10,000$10,000
After 10 years:
Final Share Count110.4182.99
Dividends Payment$7.50$7.50
Annual Dividends$807$622
Yield on cost8.07%6.22%
Share Price$291.06$291.06
Total Dividends$5,553$4,768
Final Value$32,136$28,924

Estimated Future Value + Dividends – CFR

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

CFR Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
08/29/202508/29/2025$1.003.02%3.10%$129.03
05/30/202505/30/2025$1.003.03%3.15%$126.98
02/28/202502/28/2025$0.9502.75%2.77%$137.03
11/29/202411/29/2024$0.9502.66%2.70%$140.62
08/30/202408/30/2024$0.9503.31%3.39%$112.23
05/31/202405/31/2024$0.9203.62%3.62%$101.58
02/28/202402/28/2024$0.9203.40%3.45%$106.67
11/29/202311/29/2023$0.9203.64%3.74%$98.35
08/30/202308/30/2023$0.9203.72%3.88%$94.77
05/30/202305/30/2023$0.8703.34%3.34%$104.30
02/27/202302/27/2023$0.8702.55%2.64%$131.70
11/29/202211/29/2022$0.8702.23%2.39%$145.36
08/30/202208/30/2022$0.8702.39%2.66%$130.63
05/27/202205/27/2022$0.7502.39%2.39%$125.53
02/25/202202/25/2022$0.7502.12%2.14%$140.14
11/29/202111/29/2021$0.7502.26%2.31%$129.96
08/30/202108/30/2021$0.7502.57%2.65%$113.22
05/27/202105/27/2021$0.7202.38%2.39%$120.61
02/25/202102/25/2021$0.7202.68%2.70%$106.57
11/27/202011/27/2020$0.7203.27%3.31%$87.10
08/28/202008/28/2020$0.7104.00%4.00%$70.92
05/28/202005/28/2020$0.7103.71%3.71%$76.45
02/27/202002/27/2020$0.7103.43%3.43%$82.70
11/27/201911/27/2019$0.7102.99%3.03%$93.74
08/29/201908/29/2019$0.7103.36%3.46%$82.10
05/30/201905/30/2019$0.7102.92%3.05%$93.10
02/27/201902/27/2019$0.6702.58%2.58%$103.85
11/29/201811/29/2018$0.6702.60%2.70%$99.32
08/30/201808/30/2018$0.6702.22%2.40%$111.61
05/30/201805/30/2018$0.6702.06%2.32%$115.58
02/27/201802/27/2018$0.5702.16%2.16%$105.47
11/29/201711/29/2017$0.5702.23%2.26%$100.83
08/29/201708/29/2017$0.5702.66%2.73%$83.59
05/26/201705/26/2017$0.5702.37%2.47%$92.38
02/24/201702/24/2017$0.5402.33%2.33%$92.83
11/28/201611/28/2016$0.5402.66%2.67%$80.84
08/29/201608/29/2016$0.5402.96%2.99%$72.25
05/26/201605/26/2016$0.5403.22%3.27%$66.07
02/25/201602/25/2016$0.5304.39%4.39%$48.27
11/25/201511/25/2015$0.5303.01%3.04%$69.67
08/27/201508/27/2015$0.5303.27%3.33%$63.67
05/27/201505/27/2015$0.5302.78%2.86%$74.08
02/25/201502/25/2015$0.5102.97%2.97%$68.59
11/25/201411/25/2014$0.5102.60%2.62%$77.94
08/27/201408/27/2014$0.5102.57%2.60%$78.55
05/28/201405/28/2014$0.5102.69%2.73%$74.80
02/26/201402/26/2014$0.5002.71%2.71%$73.81
11/26/201311/26/2013$0.5002.76%2.79%$71.74
08/28/201308/28/2013$0.5002.72%2.77%$72.08
05/29/201305/29/2013$0.5003.02%3.11%$64.21
02/27/201302/27/2013$0.4803.19%3.19%$60.23
11/28/201211/28/2012$0.4803.49%3.52%$54.48
08/29/201208/29/2012$0.4803.36%3.43%$56.03
05/30/201205/30/2012$0.4803.27%3.38%$56.84
02/28/201202/28/2012$0.4603.24%3.24%$56.71
11/29/201111/29/2011$0.4603.87%3.90%$47.24
08/30/201108/30/2011$0.4603.62%3.66%$50.23
05/27/201105/27/2011$0.4603.17%3.22%$57.17
02/25/201102/25/2011$0.4503.03%3.03%$59.39
11/29/201011/29/2010$0.4503.29%3.33%$54.13
08/30/201008/30/2010$0.4503.46%3.54%$50.83
05/27/201005/27/2010$0.4503.13%3.23%$55.67
02/25/201002/25/2010$0.4303.19%3.19%$53.93
11/27/200911/27/2009$0.4303.66%3.68%$46.71
08/28/200908/28/2009$0.4303.46%3.50%$49.13
05/28/200905/28/2009$0.4303.51%3.57%$48.12
02/25/200902/25/2009$0.4203.96%3.96%$42.47
11/26/200811/26/2008$0.4203.08%3.11%$53.97
08/27/200808/27/2008$0.4203.02%3.09%$54.34
05/28/200805/28/2008$0.4202.93%3.04%$55.32
02/27/200802/27/2008$0.4002.90%2.90%$55.09
11/28/200711/28/2007$0.4002.94%3.05%$52.39
08/29/200708/29/2007$0.4002.86%3.09%$51.71
05/30/200705/30/2007$0.4002.66%2.99%$53.43
02/27/200702/27/2007$0.3402.51%2.51%$54.10
11/29/200611/29/2006$0.3402.42%2.50%$54.49
08/30/200608/30/2006$0.3402.17%2.31%$58.91
05/30/200605/30/2006$0.3402.20%2.42%$56.28
02/27/200602/27/2006$0.3002.17%2.17%$55.19
11/29/200511/29/2005$0.3002.15%2.21%$54.30
08/30/200508/30/2005$0.3002.35%2.49%$48.14
05/27/200505/27/2005$0.3002.46%2.69%$44.59
02/25/200502/25/2005$0.2652.29%2.29%$46.30
11/29/200411/29/2004$0.2652.15%2.20%$48.20
08/30/200408/30/2004$0.2652.24%2.36%$45.00
05/27/200405/27/2004$0.2652.26%2.43%$43.60
02/26/200402/26/2004$0.2402.31%2.31%$41.50
11/26/200311/26/2003$0.2402.33%2.38%$40.30
08/28/200308/28/2003$0.2402.46%2.57%$37.33
05/29/200305/29/2003$0.2402.77%2.95%$32.51
02/27/200302/27/2003$0.2202.83%2.83%$31.10
12/04/200212/04/2002$0.2202.75%2.77%$31.79
09/04/200209/04/2002$0.2202.40%2.43%$36.19
06/05/200206/05/2002$0.2202.32%2.36%$37.35
03/06/200203/06/2002$0.2152.38%2.44%$35.29
12/05/200112/05/2001$0.2152.95%3.10%$27.76
06/06/200106/06/2001$0.2152.37%2.55%$33.77
03/07/200103/07/2001$0.1952.09%2.09%$37.35
12/06/200012/06/2000$0.1952.23%2.29%$34.13
09/06/200009/06/2000$0.1952.38%2.51%$31.06
06/07/200006/07/2000$0.1952.61%2.82%$27.63
02/28/200002/28/2000$0.1753.29%3.29%$21.25
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

CFR Price

Price to Earnings

CFR trades at a 47.8x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

CFR trades at a 14.0x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

CFR generated $0.6B in revenue. Revenue has grown by 61% over the period.

Net Income

CFR reported $0.2B in net income. Net income has grown by 58% over the period.

Revenue vs Net Income

CFR generated $0.6B in revenue with net income of $0.2B, representing a 29.3% net profit margin.

Gross Profit

CFR achieved $0.5B in gross profit, showing revenue after direct production costs.

Operating Income

CFR generated $0.2B in operating income, representing profit from core business operations.

EBITDA

CFR generated $0.2B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

CFR generated $0.2B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

CFR generated $0.2B in free cash flow. Free cash flow has increased by 58% over the period.

Free Cash Flow / Share

CFR generates $2.78 in free cash flow per share. FCF per share has grown by 58% over the period.

Earnings Per Share (EPS)

CFR reported $2.70 in earnings per share. EPS has grown by 58% over the period.

Return on Equity (ROE)

CFR delivered a 24.4% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

CFR achieved a 14.7% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

CFR maintains a 29.3% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

CFR operates with a 78.7% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

CFR holds $0.1B in cash against $0.0B in debt, resulting in a net cash position of $0.1B.

Shares Outstanding

CFR has 0.1B shares outstanding.

Stock-Based Comp

CFR reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 61%.

FCF vs Stock Based Comp

CFR generated $0.2B in free cash flow while spending $0.0B on stock-based compensation, representing 8% of FCF.

FCF vs FCF / Share

CFR reported $0.2B in free cash flow, translating to $2.78 per share.

Revenue: Actual + Estimates

This chart tracks CFR revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks CFR eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks CFR net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks CFR ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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