# Cullen/Frost Bankers, Inc. (CFR) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Cullen/Frost Bankers, Inc. (CFR) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: CFR +43.16%, SPY +92.05%. Regime CFR BEAR · SPY BULL. As of Oct 9, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/CFR/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=CFR%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| CFR | +43.16% | -45.60% | +19.74% |
| SPY | +92.05% | -24.49% | +14.86% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| CFR | +21.00% | +36.72% | +82.33% | +43.16% |
| SPY | +17.26% | +38.01% | +86.77% | +92.05% |

## Annual

| Year | CFR | SPY |
|---|---:|---:|
| YTD | +19.74% | +14.86% |
| 2025 | -1.64% | +18.01% |
| 2024 | +27.37% | +25.59% |
| 2023 | -13.81% | +26.73% |
| 2022 | +6.22% | -18.64% |
| 2021 | +4.09% | +9.92% |

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Research context only. Not personalized investment advice.