What if you'd held CFR?
A $1,000 investment in Cullen/Frost Bankers, Inc. (CFR) at the month-end close of 1980-03 would be worth $131,865 at the close of 2026-08 — +13086.5% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $75,502.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1980
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1980 | $1,000 | — |
| 1981 | $1,457 | +45.7% |
| 1982 | $1,176 | -19.3% |
| 1983 | $1,597 | +35.8% |
| 1984 | $1,310 | -18.0% |
| 1985 | $1,130 | -13.7% |
| 1986 | $695 | -38.5% |
| 1987 | $394 | -43.3% |
| 1988 | $662 | +67.9% |
| 1989 | $588 | -11.1% |
| 1990 | $341 | -42.0% |
| 1991 | $809 | +137.1% |
| 1992 | $1,657 | +104.9% |
| 1993 | $1,885 | +13.7% |
| 1994 | $1,684 | -10.6% |
| 1995 | $2,799 | +66.2% |
| 1996 | $3,831 | +36.8% |
| 1997 | $7,150 | +86.7% |
| 1998 | $6,611 | -7.5% |
| 1999 | $6,364 | -3.7% |
| 2000 | $10,621 | +66.9% |
| 2001 | $7,998 | -24.7% |
| 2002 | $8,682 | +8.5% |
| 2003 | $11,065 | +27.5% |
| 2004 | $13,568 | +22.6% |
| 2005 | $15,352 | +13.1% |
| 2006 | $16,343 | +6.5% |
| 2007 | $15,277 | -6.5% |
| 2008 | $15,757 | +3.1% |
| 2009 | $16,125 | +2.3% |
| 2010 | $20,378 | +26.4% |
| 2011 | $18,261 | -10.4% |
| 2012 | $19,373 | +6.1% |
| 2013 | $27,367 | +41.3% |
| 2014 | $26,670 | -2.5% |
| 2015 | $23,360 | -12.4% |
| 2016 | $35,505 | +52.0% |
| 2017 | $39,029 | +9.9% |
| 2018 | $37,139 | -4.8% |
| 2019 | $42,563 | +14.6% |
| 2020 | $39,337 | -7.6% |
| 2021 | $58,286 | +48.2% |
| 2022 | $63,332 | +8.7% |
| 2023 | $53,163 | -16.1% |
| 2024 | $67,975 | +27.9% |
| 2025 | $66,102 | -2.8% |
| 2026 | $87,235 | +32.0% |
Best and worst month-end to buy
The best single month-end close to have bought CFR was 1990-10 ($0.57): $1,000 then is $289,965 today. The worst was 2026-08 ($165): $1,000 then is $1,000.
FAQ
What would $1,000 in CFR be worth today?
A $1,000 investment in Cullen/Frost Bankers, Inc. (CFR) at the start of 1980 would be worth about $131,865 today, a total return of +13086.5%. Dividends are reinvested in these figures.
What were the best and worst years for CFR?
Cullen/Frost Bankers, Inc. (CFR)'s strongest calendar year since 1980 was 1991, a +137.1% return — $1,000 held through that year became about $2,371 by year-end. Its weakest year was 1987, at -43.3%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in CFR have grown?
Investing $100 at the end of every month since 1980-03 would have grown to about $2.04M on $55,800 invested.
Did CFR beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $75,502. CFR beat the S&P 500 by +74.7% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Cullen/Frost Bankers, Inc. (CFR) historical total-return data from 1980-03 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.