• Cullen/Frost Bankers average return on investment for 2023 was 18.66, a 56.15% decline from 2022.
• Cullen/Frost Bankers average return on investment for 2022 was 11.95, a 29.75% increase from 2021.
• Cullen/Frost Bankers average return on investment for 2021 was 9.21, a 11.37% increase from 2020.

Roi - return on investment can be defined as an indicator of how profitable a company is relative to its assets invested by shareholders and long-term bond holders. Calculated by dividing a company's operating earnings by its long-term debt and shareholders equity.