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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt N/A
CFR's Cash to Debt is ranked higher than
91% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CFR: N/A )
Ranked among companies with meaningful Cash to Debt only.
CFR' s Cash to Debt Range Over the Past 10 Years
Min: 1.14  Med: 6.93 Max: No Debt
Current: N/A
Equity to Asset 0.10
CFR's Equity to Asset is ranked higher than
50% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFR: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
CFR' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.1
0.07
0.12
Interest Coverage 23.29
CFR's Interest Coverage is ranked higher than
94% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CFR: 23.29 )
Ranked among companies with meaningful Interest Coverage only.
CFR' s Interest Coverage Range Over the Past 10 Years
Min: 1.24  Med: 3.82 Max: 23.12
Current: 23.29
1.24
23.12
F-Score: 5
WACC vs ROIC
10.74%
576.55%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 30.02
CFR's Operating margin (%) is ranked lower than
53% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CFR: 30.02 )
Ranked among companies with meaningful Operating margin (%) only.
CFR' s Operating margin (%) Range Over the Past 10 Years
Min: 28.03  Med: 33.95 Max: 40.2
Current: 30.02
28.03
40.2
Net-margin (%) 26.22
CFR's Net-margin (%) is ranked higher than
62% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CFR: 26.22 )
Ranked among companies with meaningful Net-margin (%) only.
CFR' s Net-margin (%) Range Over the Past 10 Years
Min: 21.56  Med: 26.19 Max: 27.6
Current: 26.22
21.56
27.6
ROE (%) 9.40
CFR's ROE (%) is ranked higher than
60% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CFR: 9.40 )
Ranked among companies with meaningful ROE (%) only.
CFR' s ROE (%) Range Over the Past 10 Years
Min: 9.37  Med: 10.32 Max: 18.33
Current: 9.4
9.37
18.33
ROA (%) 0.99
CFR's ROA (%) is ranked higher than
61% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CFR: 0.99 )
Ranked among companies with meaningful ROA (%) only.
CFR' s ROA (%) Range Over the Past 10 Years
Min: 1  Med: 1.19 Max: 1.59
Current: 0.99
1
1.59
Revenue Growth (3Y)(%) 4.00
CFR's Revenue Growth (3Y)(%) is ranked higher than
59% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CFR: 4.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.8  Med: 4.30 Max: 12
Current: 4
0.8
12
EBITDA Growth (3Y)(%) 4.10
CFR's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFR: 4.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.3  Med: 5.60 Max: 19.2
Current: 4.1
-6.3
19.2
EPS Growth (3Y)(%) 6.60
CFR's EPS Growth (3Y)(%) is ranked lower than
53% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CFR: 6.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.2  Med: 7.65 Max: 19.6
Current: 6.6
-4.2
19.6
» CFR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

CFR Guru Trades in Q1 2015

Third Avenue Management 124,271 sh (+16.60%)
Ken Fisher 230,453 sh (+3.55%)
Jim Simons 458,000 sh (-14.82%)
Paul Tudor Jones 3,300 sh (-89.25%)
» More
Q2 2015

CFR Guru Trades in Q2 2015

Ken Fisher 234,173 sh (+1.61%)
Third Avenue Management 124,271 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons 80,600 sh (-82.40%)
» More
Q3 2015

CFR Guru Trades in Q3 2015

Jim Simons 196,033 sh (+143.22%)
Ken Fisher 239,859 sh (+2.43%)
Third Avenue Management 109,634 sh (-11.78%)
» More
Q4 2015

CFR Guru Trades in Q4 2015

Ken Fisher 235,969 sh (-1.62%)
» More
» Details

Insider Trades

Latest Guru Trades with CFR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Cullen/Frost Bankers Inc

SymbolPriceYieldDescription
CFRPRA24.902.705 3/8% Non-Cum Perp Pfd Shs

Ratios

vs
industry
vs
history
P/E(ttm) 10.80
CFR's P/E(ttm) is ranked higher than
59% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. CFR: 10.80 )
Ranked among companies with meaningful P/E(ttm) only.
CFR' s P/E(ttm) Range Over the Past 10 Years
Min: 9.96  Med: 16.00 Max: 20.41
Current: 10.8
9.96
20.41
Forward P/E 9.49
CFR's Forward P/E is ranked higher than
61% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. CFR: 9.49 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.80
CFR's PE(NRI) is ranked higher than
60% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. CFR: 10.80 )
Ranked among companies with meaningful PE(NRI) only.
CFR' s PE(NRI) Range Over the Past 10 Years
Min: 9.95  Med: 16.00 Max: 20.45
Current: 10.8
9.95
20.45
P/B 1.04
CFR's P/B is ranked lower than
54% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CFR: 1.04 )
Ranked among companies with meaningful P/B only.
CFR' s P/B Range Over the Past 10 Years
Min: 1.01  Med: 1.76 Max: 3.21
Current: 1.04
1.01
3.21
P/S 2.92
CFR's P/S is ranked lower than
53% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. CFR: 2.92 )
Ranked among companies with meaningful P/S only.
CFR' s P/S Range Over the Past 10 Years
Min: 2.64  Med: 4.13 Max: 5.19
Current: 2.92
2.64
5.19
PFCF 10.27
CFR's PFCF is ranked lower than
55% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. CFR: 10.27 )
Ranked among companies with meaningful PFCF only.
CFR' s PFCF Range Over the Past 10 Years
Min: 6.89  Med: 15.62 Max: 65.64
Current: 10.27
6.89
65.64
POCF 6.55
CFR's POCF is ranked higher than
58% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. CFR: 6.55 )
Ranked among companies with meaningful POCF only.
CFR' s POCF Range Over the Past 10 Years
Min: 6.05  Med: 12.69 Max: 46.89
Current: 6.55
6.05
46.89
PEG 2.20
CFR's PEG is ranked lower than
77% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CFR: 2.20 )
Ranked among companies with meaningful PEG only.
CFR' s PEG Range Over the Past 10 Years
Min: 1.39  Med: 2.77 Max: 100.94
Current: 2.2
1.39
100.94
Shiller P/E 12.30
CFR's Shiller P/E is ranked higher than
72% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. CFR: 12.30 )
Ranked among companies with meaningful Shiller P/E only.
CFR' s Shiller P/E Range Over the Past 10 Years
Min: 11.37  Med: 18.01 Max: 26.31
Current: 12.3
11.37
26.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.34
CFR's Dividend Yield is ranked higher than
70% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CFR: 4.34 )
Ranked among companies with meaningful Dividend Yield only.
CFR' s Dividend Yield Range Over the Past 10 Years
Min: 2.06  Med: 2.98 Max: 4.66
Current: 4.34
2.06
4.66
Dividend Payout 0.49
CFR's Dividend Payout is ranked lower than
55% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CFR: 0.49 )
Ranked among companies with meaningful Dividend Payout only.
CFR' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.42 Max: 0.85
Current: 0.49
0.18
0.85
Dividend Growth (3y) 3.50
CFR's Dividend Growth (3y) is ranked lower than
55% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. CFR: 3.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CFR' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 3.3  Med: 9.00 Max: 18.8
Current: 3.5
3.3
18.8
Forward Dividend Yield 4.38
CFR's Forward Dividend Yield is ranked higher than
71% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CFR: 4.38 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.14
CFR's Yield on cost (5-Year) is ranked higher than
67% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CFR: 5.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CFR' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.45  Med: 3.54 Max: 5.53
Current: 5.14
2.45
5.53
3-Year Average Share Buyback Ratio -0.90
CFR's 3-Year Average Share Buyback Ratio is ranked higher than
58% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CFR: -0.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CFR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4  Med: -0.95 Max: 2.3
Current: -0.9
-4
2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
CFR's Price/Tangible Book is ranked lower than
69% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. CFR: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
CFR' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.59  Med: 2.60 Max: 4.19
Current: 1.35
1.59
4.19
Price/Projected FCF 0.65
CFR's Price/Projected FCF is ranked lower than
54% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CFR: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
CFR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.78  Med: 1.07 Max: 1.75
Current: 0.65
0.78
1.75
Price/DCF (Earnings Based) 1.12
CFR's Price/DCF (Earnings Based) is ranked lower than
79% of the 66 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CFR: 1.12 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.71
CFR's Price/Median PS Value is ranked higher than
83% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. CFR: 0.71 )
Ranked among companies with meaningful Price/Median PS Value only.
CFR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.54  Med: 0.92 Max: 1.24
Current: 0.71
0.54
1.24
Price/Graham Number 0.83
CFR's Price/Graham Number is ranked lower than
55% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CFR: 0.83 )
Ranked among companies with meaningful Price/Graham Number only.
CFR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.98  Med: 1.40 Max: 1.85
Current: 0.83
0.98
1.85
Earnings Yield (Greenblatt) (%) -102.00
CFR's Earnings Yield (Greenblatt) (%) is ranked lower than
99% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFR: -102.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 8.3  Med: 16.50 Max: 3261
Current: -102
8.3
3261
Forward Rate of Return (Yacktman) (%) 12.07
CFR's Forward Rate of Return (Yacktman) (%) is ranked lower than
56% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CFR: 12.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CFR' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 2  Med: 9.30 Max: 14.9
Current: 12.07
2
14.9

More Statistics

Revenue(Mil) $1065
EPS $ 4.49
Beta1.24
Short Percentage of Float14.52%
52-Week Range $42.41 - 80.23
Shares Outstanding(Mil)62.32

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 1,090 1,184 1,187
EPS($) 4.49 4.81 5.10
EPS without NRI($) 4.49 4.81 5.10

Latest Earnings Webcast

» More Conference Calls

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, MWG » details
Traded in other countries:CFZ.Germany,
Cullen/Frost Bankers Inc is a Texas Business Corporation incorporated in 1977. The Company is a financial holding and a bank holding company. The Company offers commercial and consumer banking services, as well as trust and investment management, investment banking, insurance brokerage, leasing, asset-based lending, treasury management and item processing services. The Company operates as a locally oriented, community-based financial services organization, augmented by experienced, centralized support in selected areas. The Company serves different industries including, energy, manufacturing, services, telecommunications, healthcare, military and transportation. The Company has two reportable operating segments, Banking and Frost Wealth Advisors. The Frost National Bank is engaged in the business of commercial and consumer banking through 110 financial centers across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Rio Grande Valley and San Antonio regions. Frost Bank also operates approximately 1,100 automated-teller machines ('ATMs') throughout the State of Texas, including over 600 ATMs operated in connection with a branding arrangement to be the exclusive cash-machine provider for Valero Corner Stores in Texas. The Company competes with other providers of financial services, such as savings and loan associations, credit unions, consumer finance companies, securities firms, insurance companies, insurance agencies, commercial finance and leasing companies, full service brokerage firms and discount brokerage firms. The Company and its subsidiaries are subject to extensive regulation under federal and state laws.
» More Articles for CFR

Headlines

Articles On GuruFocus.com
Looking at Cullen/Frost Bankers After a 42% Drop Jan 20 2016 
David Herro's Interview With Barron's Oct 26 2015 
Submit Questions Now for An Upcoming Q&A With David Herro Feb 18 2015 
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Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Dec 28 2012 
Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Jun 15 2012 
Cullen/Frost Bankers Inc.: A Financial Institution Investors Can Bank On Apr 10 2012 
7 Higher-Yielding, Low-Debt Stocks with a Tiny Payout Ratio Dec 28 2011 

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