Cullen/Frost Bankers vs Voya Financial

This page compares Cullen/Frost Bankers and Voya Financial, examining their business models, financial performance, and market context to help readers understand how these firms differ. The presentation is neutral, accessible, and designed for educational purposes. Educational content, not financial advice.

This page compares Cullen/Frost Bankers and Voya Financial, examining their business models, financial performance, and market context to help readers understand how these firms differ. The presentati...

About The Companies

Cullen/Frost Bankers (CFR)

Cullen/Frost Bankers, Inc. (CFR) is a regional bank headquartered in Texas that provides commercial and consumer banking services, including lending, deposits and wealth management. With a market capitalisation of about $8.03 billion, it serves a concentrated but deep Texas client base where local relationships and commercial lending are important. Investors often watch net interest margin, loan growth, asset quality and deposit trends to assess performance. The bank is frequently noted for a conservative, relationship-driven approach to lending, which can support stability but does not eliminate cyclical credit risk. Like other regional banks, Cullen/Frost is sensitive to interest-rate moves, commercial real-estate trends and the regional economy. This summary is general education only and not personal financial advice; values can rise and fall and past performance is not a guide to the future. Consider your goals, risk tolerance and, if needed, seek professional advice before investing.

Voya Financial (VOYA)

Voya Financial (VOYA) is a US-focused financial-services company offering retirement solutions, investment management, employee benefits and life/annuity insurance products. With a market capitalisation of about $7.19 billion, Voya earns revenue from retirement-plan recordkeeping and advisory fees, asset-management fees, insurance premiums and investment spread. Key drivers include assets under management and flows, equity-market performance, interest rates (which affect investment yields and annuity pricing) and regulatory capital requirements. Strengths can include a diversified, fee-based revenue mix and recurring income from retirement services; risks include sensitivity to market volatility, interest-rate movements, underwriting losses and changes in plan participation or net flows. Prospective investors should review recent financial statements, capital and liquidity metrics, and management commentary. This summary is for educational purposes only and is not personal investment advice — values can fall as well as rise and past performance is not a guide to the future.

Comparison Snapshot

Key Financial Metrics

CFR

Metric

VOYA

$8.26B

Market Cap

$7.02B

7.41%

Potential Profit

13.72%

Hold

Analyst Rating

Buy

Which Baskets Do They Appear In?

Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

Explore Basket

Which Baskets Do They Appear In?

Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

Explore Basket

Investment Analysis