Frost Bank vs Valley Bank
Frost Bank reported revenue of $2.2 billion in fiscal 2025, about the same as Valley Bank's $2.0 billion in fiscal 2025. Frost Bank's revenue grew 8.3% in its latest year, and Valley Bank's grew 9.3%. Frost Bank had a return on equity of 15.3%, against 7.8% at Valley Bank.
Side by side
| Frost Bank | Valley Bank | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $2.2B | $2.0B |
| Revenue growth | 8.3% | 9.3% |
| Revenue growth a year, last 5 years | 9.2% | 9.2% |
| Net income | $649M | $598M |
| Return on equity | 15.3% | 7.8% |
| Return on tangible common equity | 15.7% | 10.1% |
| Efficiency ratio | 63.5% | 56.4% |
| Dividends and buybacks | $413M | $312M |
| Change in diluted share count | −0.2% | 8.8% |
| Last close | $158.58 | $14.05 |
| P/E at the last close | 15.0× | 11.9× |
| Insider trades, last 12 months | sold $350,133 | bought $33,625, sold $1.6 million |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
Frost BankValley Bank
Return on equity
Percent. Net income over average equity.
Frost BankValley Bank
Net income
US$ billions
Frost BankValley Bank
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the Frost Bank and Valley Bank pages.