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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 : 4/10

vs
industry
vs
history
Cash to Debt 16.09
CFR's Cash to Debt is ranked higher than
82% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. CFR: 16.09 )
CFR' s 10-Year Cash to Debt Range
Min: 1.14   Max: No Debt
Current: 16.09

Equity to Asset 0.10
CFR's Equity to Asset is ranked higher than
70% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CFR: 0.10 )
CFR' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.1

0.07
0.12
Interest Coverage 23.12
CFR's Interest Coverage is ranked higher than
97% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CFR: 23.12 )
CFR' s 10-Year Interest Coverage Range
Min: 0.74   Max: 23.12
Current: 23.12

0.74
23.12
F-Score: 5
Z-Score: 0.28
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 (%) 33.58
CFR's Operating margin (%) is ranked higher than
79% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. CFR: 33.58 )
CFR' s 10-Year Operating margin (%) Range
Min: 23.99   Max: 40.2
Current: 33.58

23.99
40.2
Net-margin (%) 27.97
CFR's Net-margin (%) is ranked higher than
83% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. CFR: 27.97 )
CFR' s 10-Year Net-margin (%) Range
Min: 16.2   Max: 27.6
Current: 27.97

16.2
27.6
ROE (%) 10.38
CFR's ROE (%) is ranked higher than
81% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. CFR: 10.38 )
CFR' s 10-Year ROE (%) Range
Min: 9.65   Max: 20.11
Current: 10.38

9.65
20.11
ROA (%) 1.07
CFR's ROA (%) is ranked higher than
82% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CFR: 1.07 )
CFR' s 10-Year ROA (%) Range
Min: 1   Max: 1.59
Current: 1.07

1
1.59
ROC (Joel Greenblatt) (%) 85.99
CFR's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. CFR: 85.99 )
CFR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 78.75   Max: 174.83
Current: 85.99

78.75
174.83
Revenue Growth (3Y)(%) 4.00
CFR's Revenue Growth (3Y)(%) is ranked higher than
79% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. CFR: 4.00 )
CFR' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.8   Max: 12
Current: 4

0.8
12
EBITDA Growth (3Y)(%) 4.10
CFR's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CFR: 4.10 )
CFR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -6.3   Max: 19.2
Current: 4.1

-6.3
19.2
EPS Growth (3Y)(%) 6.50
CFR's EPS Growth (3Y)(%) is ranked higher than
70% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CFR: 6.50 )
CFR' s 10-Year EPS Growth (3Y)(%) Range
Min: -4.2   Max: 19.7
Current: 6.5

-4.2
19.7
» CFR's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CFR Guru Trades in Q2 2014

Ken Fisher 224,414 sh (+17.29%)
Third Avenue Management 200,830 sh (-12.77%)
» More
Q3 2014

CFR Guru Trades in Q3 2014

Jim Simons 32,800 sh (New)
Jim Chanos 66,926 sh (New)
Ken Fisher 224,807 sh (+0.18%)
Third Avenue Management 200,830 sh (unchged)
» More
Q4 2014

CFR Guru Trades in Q4 2014

Paul Tudor Jones 30,691 sh (New)
Jim Simons 537,700 sh (+1539.33%)
Jim Chanos Sold Out
Ken Fisher 222,553 sh (-1.00%)
Third Avenue Management 106,577 sh (-46.93%)
» More
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
» 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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Preferred stocks of Cullen/Frost Bankers Inc

SymbolPriceYieldDescription
CFRPRA25.263.965 3/8% Non-Cum Perp Pfd Shs

Ratios

vs
industry
vs
history
P/E(ttm) 16.90
CFR's P/E(ttm) is ranked higher than
73% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. CFR: 16.90 )
CFR' s 10-Year P/E(ttm) Range
Min: 10.86   Max: 20.46
Current: 16.9

10.86
20.46
Forward P/E 14.73
CFR's Forward P/E is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFR: 14.73 )
N/A
PE(NRI) 16.90
CFR's PE(NRI) is ranked higher than
75% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. CFR: 16.90 )
CFR' s 10-Year PE(NRI) Range
Min: 10.86   Max: 20.45
Current: 16.9

10.86
20.45
P/B 1.70
CFR's P/B is ranked higher than
63% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. CFR: 1.70 )
CFR' s 10-Year P/B Range
Min: 1.21   Max: 3.31
Current: 1.7

1.21
3.31
P/S 4.59
CFR's P/S is ranked higher than
55% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. CFR: 4.59 )
CFR' s 10-Year P/S Range
Min: 2.64   Max: 5.2
Current: 4.59

2.64
5.2
PFCF 48.48
CFR's PFCF is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFR: 48.48 )
CFR' s 10-Year PFCF Range
Min: 6.89   Max: 65.64
Current: 48.48

6.89
65.64
POCF 17.69
CFR's POCF is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. CFR: 17.69 )
CFR' s 10-Year POCF Range
Min: 6.52   Max: 46.89
Current: 17.69

6.52
46.89
EV-to-EBIT 3.70
CFR's EV-to-EBIT is ranked higher than
98% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. CFR: 3.70 )
CFR' s 10-Year EV-to-EBIT Range
Min: -5.2   Max: 12.1
Current: 3.7

-5.2
12.1
PEG 3.45
CFR's PEG is ranked higher than
87% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFR: 3.45 )
CFR' s 10-Year PEG Range
Min: 1.37   Max: 20.92
Current: 3.45

1.37
20.92
Shiller P/E 19.35
CFR's Shiller P/E is ranked higher than
83% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFR: 19.35 )
CFR' s 10-Year Shiller P/E Range
Min: 11.06   Max: 22.54
Current: 19.35

11.06
22.54
Days Sales Outstanding 131.82
CFR's Days Sales Outstanding is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFR: 131.82 )
CFR' s 10-Year Days Sales Outstanding Range
Min: 112.47   Max: 356.34
Current: 131.82

112.47
356.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.73
CFR's Dividend Yield is ranked higher than
57% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. CFR: 2.73 )
CFR' s 10-Year Dividend Yield Range
Min: 2.06   Max: 4.59
Current: 2.73

2.06
4.59
Dividend Payout 0.46
CFR's Dividend Payout is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. CFR: 0.46 )
CFR' s 10-Year Dividend Payout Range
Min: 0.18   Max: 0.85
Current: 0.46

0.18
0.85
Dividend growth (3y) 3.50
CFR's Dividend growth (3y) is ranked higher than
72% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CFR: 3.50 )
CFR' s 10-Year Dividend growth (3y) Range
Min: 3.3   Max: 18.8
Current: 3.5

3.3
18.8
Yield on cost (5-Year) 3.21
CFR's Yield on cost (5-Year) is ranked higher than
58% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. CFR: 3.21 )
CFR' s 10-Year Yield on cost (5-Year) Range
Min: 2.45   Max: 5.45
Current: 3.21

2.45
5.45
Share Buyback Rate -0.90
CFR's Share Buyback Rate is ranked higher than
76% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CFR: -0.90 )
CFR' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -4
Current: -0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.24
CFR's Price/Tangible Book is ranked higher than
60% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CFR: 2.24 )
CFR' s 10-Year Price/Tangible Book Range
Min: 1.67   Max: 3.83
Current: 2.24

1.67
3.83
Price/DCF (Projected) 1.05
CFR's Price/DCF (Projected) is ranked higher than
80% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFR: 1.05 )
CFR' s 10-Year Price/DCF (Projected) Range
Min: 0.78   Max: 1.75
Current: 1.05

0.78
1.75
Price/Median PS Value 1.10
CFR's Price/Median PS Value is ranked higher than
79% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CFR: 1.10 )
CFR' s 10-Year Price/Median PS Value Range
Min: 0.49   Max: 1.23
Current: 1.1

0.49
1.23
Price/Graham Number 1.23
CFR's Price/Graham Number is ranked higher than
68% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFR: 1.23 )
CFR' s 10-Year Price/Graham Number Range
Min: 0.98   Max: 1.81
Current: 1.23

0.98
1.81
Earnings Yield (Greenblatt) 27.00
CFR's Earnings Yield (Greenblatt) is ranked higher than
97% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CFR: 27.00 )
CFR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.3   Max: 3261
Current: 27

8.3
3261
Forward Rate of Return (Yacktman) 8.68
CFR's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. CFR: 8.68 )
CFR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.5   Max: 14.7
Current: 8.68

1.5
14.7

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

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More From Other Websites
Results for the year ended 31 March 2015 May 22 2015
Cullen/Frost Raises Dividend, Unveils $100M Buyback Plan - Analyst Blog May 04 2015
Cullen/Frost (CFR) Gains Over 2% on Q1 Earnings Beat (revised) - Analyst Blog May 01 2015
Here’s what CEOs said about the economy this week May 01 2015
Cullen/Frost Bankers Increases Quarterly Common Cash Dividend By Two Cents, Also Announces Stock... Apr 30 2015
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 30 2015
4:34 pm Cullen/Frost announces an increase in its quarterly dividend to $0.53/share from... Apr 30 2015
Cullen/Frost Bankers Increases Quarterly Common Cash Dividend By Two Cents, Also Announces Stock... Apr 30 2015
J.D. Power Ranks Frost Bank Highest In Texas In Retail Banking Customer Satisfaction Apr 30 2015
Cullen/Frost (CFR) Gains Over 2% on Q1 Earnings Beat - Analyst Blog Apr 30 2015
Cullen/Frost sees strong Q1 earnings despite oil decline Apr 29 2015
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 29 2015
Cullen/Frost tops 1Q profit forecasts Apr 29 2015
Cullen/Frost tops 1Q profit forecasts Apr 29 2015
Cullen/Frost Reports Strong First Quarter Results Apr 29 2015
Cullen/Frost Reports Strong First Quarter Results Apr 29 2015
Q1 2015 Cullen/Frost Bankers Inc Earnings Release - Before Market Open Apr 29 2015
Bank Stock Roundup: Q1 Earnings in Full Swing; SunTrust, Comerica in Focus - Analyst Blog Apr 24 2015
Significant movement in net profit for the year ended 31 March 2015 Apr 22 2015
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