Cullen/Frost Bankers Inc

CFR: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Cullen/Frost's Branch Expansion Is Driving Strong Loan Growth

Maoyuan Chen , Dev Patel

May 15, 2026

Business Strategy and Outlook

Cullen/Frost is a United States regional bank operating exclusively in the Texas market. The bank has a history of weathering market downturns and remaining firm throughout pressured economic environments. For example, Cullen/Frost exited retail mortgage lending in 2000 and rejected government assistance during the global financial crisis. The bank has also navigated energy downturns in 2016 and the coronavirus pandemic, despite having 100% Texas and high energy exposure.

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Cullen/Frost Bankers Inc

Cullen/Frost's Branch Expansion Is Driving Strong Loan Growth

Business Strategy and Outlook

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