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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 16.25
CFR's Cash to Debt is ranked higher than
58% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CFR: 16.25 )
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: 16.25
Equity to Asset 0.11
CFR's Equity to Asset is ranked higher than
59% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFR: 0.11 )
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: 0.11
0.07
0.12
Interest Coverage 25.99
CFR's Interest Coverage is ranked higher than
94% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CFR: 25.99 )
Ranked among companies with meaningful Interest Coverage only.
CFR' s Interest Coverage Range Over the Past 10 Years
Min: 1.24  Med: 5.94 Max: 24.86
Current: 25.99
1.24
24.86
F-Score: 5
M-Score: -2.66
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 (%) 28.86
CFR's Operating margin (%) is ranked lower than
57% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. CFR: 28.86 )
Ranked among companies with meaningful Operating margin (%) only.
CFR' s Operating margin (%) Range Over the Past 10 Years
Min: 28.03  Med: 33.10 Max: 40.2
Current: 28.86
28.03
40.2
Net-margin (%) 25.38
CFR's Net-margin (%) is ranked higher than
59% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. CFR: 25.38 )
Ranked among companies with meaningful Net-margin (%) only.
CFR' s Net-margin (%) Range Over the Past 10 Years
Min: 21.56  Med: 25.99 Max: 27.6
Current: 25.38
21.56
27.6
ROE (%) 9.15
CFR's ROE (%) is ranked higher than
55% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. CFR: 9.15 )
Ranked among companies with meaningful ROE (%) only.
CFR' s ROE (%) Range Over the Past 10 Years
Min: 9.34  Med: 10.06 Max: 16.41
Current: 9.15
9.34
16.41
ROA (%) 0.98
CFR's ROA (%) is ranked higher than
56% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CFR: 0.98 )
Ranked among companies with meaningful ROA (%) only.
CFR' s ROA (%) Range Over the Past 10 Years
Min: 0.98  Med: 1.15 Max: 1.59
Current: 0.98
0.98
1.59
Revenue Growth (3Y)(%) 5.00
CFR's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CFR: 5.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.8  Med: 4.60 Max: 12
Current: 5
0.8
12
EBITDA Growth (3Y)(%) 0.50
CFR's EBITDA Growth (3Y)(%) is ranked lower than
68% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFR: 0.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.2  Med: 4.60 Max: 19.3
Current: 0.5
-6.2
19.3
EPS Growth (3Y)(%) 3.30
CFR's EPS Growth (3Y)(%) is ranked lower than
63% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFR: 3.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.2  Med: 6.30 Max: 19.6
Current: 3.3
-4.2
19.6
» CFR's 10-Y Financials

Financials


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

» Details

Guru Trades

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

Paul Tudor Jones 10,952 sh (New)
John Rogers 16,597 sh (New)
Ken Fisher 235,969 sh (-1.62%)
Third Avenue Management 99,434 sh (-9.30%)
Jim Simons 8,200 sh (-95.82%)
» More
Q1 2016

CFR Guru Trades in Q1 2016

Ken Fisher 241,010 sh (+2.14%)
» 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
CFRPRA25.433.965 3/8% Non-Cum Perp Pfd Shs

Ratios

vs
industry
vs
history
P/E(ttm) 14.17
CFR's P/E(ttm) is ranked lower than
63% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CFR: 14.17 )
Ranked among companies with meaningful P/E(ttm) only.
CFR' s P/E(ttm) Range Over the Past 10 Years
Min: 10.49  Med: 15.98 Max: 20.49
Current: 14.17
10.49
20.49
Forward P/E 12.41
CFR's Forward P/E is ranked lower than
70% of the 368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. CFR: 12.41 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.17
CFR's PE(NRI) is ranked lower than
63% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CFR: 14.17 )
Ranked among companies with meaningful PE(NRI) only.
CFR' s PE(NRI) Range Over the Past 10 Years
Min: 10.49  Med: 15.97 Max: 20.56
Current: 14.17
10.49
20.56
Price/Owner Earnings (ttm) 12.96
CFR's Price/Owner Earnings (ttm) is ranked lower than
62% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CFR: 12.96 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CFR' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.9  Med: 15.85 Max: 144.62
Current: 12.96
7.9
144.62
P/B 1.28
CFR's P/B is ranked lower than
73% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFR: 1.28 )
Ranked among companies with meaningful P/B only.
CFR' s P/B Range Over the Past 10 Years
Min: 1.01  Med: 1.74 Max: 3.22
Current: 1.28
1.01
3.22
P/S 3.48
CFR's P/S is ranked lower than
65% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CFR: 3.48 )
Ranked among companies with meaningful P/S only.
CFR' s P/S Range Over the Past 10 Years
Min: 2.64  Med: 4.11 Max: 5.19
Current: 3.48
2.64
5.19
PFCF 10.32
CFR's PFCF is ranked lower than
52% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. CFR: 10.32 )
Ranked among companies with meaningful PFCF only.
CFR' s PFCF Range Over the Past 10 Years
Min: 6.87  Med: 15.52 Max: 65.13
Current: 10.32
6.87
65.13
POCF 8.04
CFR's POCF is ranked higher than
54% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CFR: 8.04 )
Ranked among companies with meaningful POCF only.
CFR' s POCF Range Over the Past 10 Years
Min: 6.51  Med: 12.56 Max: 46.98
Current: 8.04
6.51
46.98
EV-to-EBIT 0.85
CFR's EV-to-EBIT is ranked higher than
97% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. CFR: 0.85 )
Ranked among companies with meaningful EV-to-EBIT only.
CFR' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.2  Med: 5.10 Max: 12.1
Current: 0.85
-5.2
12.1
EV-to-EBITDA 0.77
CFR's EV-to-EBITDA is ranked higher than
98% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. CFR: 0.77 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.6  Med: 4.50 Max: 11
Current: 0.77
-4.6
11
PEG 5.18
CFR's PEG is ranked lower than
89% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CFR: 5.18 )
Ranked among companies with meaningful PEG only.
CFR' s PEG Range Over the Past 10 Years
Min: 1.36  Med: 2.78 Max: 68.64
Current: 5.18
1.36
68.64
Shiller P/E 15.26
CFR's Shiller P/E is ranked higher than
54% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. CFR: 15.26 )
Ranked among companies with meaningful Shiller P/E only.
CFR' s Shiller P/E Range Over the Past 10 Years
Min: 11.49  Med: 17.87 Max: 25.66
Current: 15.26
11.49
25.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.52
CFR's Dividend Yield is ranked higher than
68% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CFR: 3.52 )
Ranked among companies with meaningful Dividend Yield only.
CFR' s Dividend Yield Range Over the Past 10 Years
Min: 2.06  Med: 3.00 Max: 4.7
Current: 3.52
2.06
4.7
Dividend Payout 0.50
CFR's Dividend Payout is ranked lower than
55% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CFR: 0.50 )
Ranked among companies with meaningful Dividend Payout only.
CFR' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.43 Max: 0.83
Current: 0.5
0.18
0.83
Dividend Growth (3y) 3.40
CFR's Dividend Growth (3y) is ranked lower than
67% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. CFR: 3.40 )
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: 3.4
3.3
18.8
Forward Dividend Yield 3.59
CFR's Forward Dividend Yield is ranked higher than
63% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. CFR: 3.59 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.18
CFR's Yield on cost (5-Year) is ranked higher than
65% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CFR: 4.18 )
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: 2.43  Med: 3.55 Max: 5.56
Current: 4.18
2.43
5.56
3-Year Average Share Buyback Ratio -1.00
CFR's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CFR: -1.00 )
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: -1.00 Max: 2.3
Current: -1
-4
2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.71
CFR's Price/Tangible Book is ranked lower than
80% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CFR: 1.71 )
Ranked among companies with meaningful Price/Tangible Book only.
CFR' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.56  Med: 2.59 Max: 4.19
Current: 1.71
1.56
4.19
Price/Projected FCF 0.78
CFR's Price/Projected FCF is ranked lower than
67% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CFR: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
CFR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.71  Med: 1.09 Max: 1.73
Current: 0.78
0.71
1.73
Price/Median PS Value 0.85
CFR's Price/Median PS Value is ranked higher than
68% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CFR: 0.85 )
Ranked among companies with meaningful Price/Median PS Value only.
CFR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.59  Med: 0.92 Max: 1.25
Current: 0.85
0.59
1.25
Price/Graham Number 1.04
CFR's Price/Graham Number is ranked lower than
74% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CFR: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
CFR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.95  Med: 1.39 Max: 1.85
Current: 1.04
0.95
1.85
Earnings Yield (Greenblatt) (%) 118.14
CFR's Earnings Yield (Greenblatt) (%) is ranked higher than
98% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFR: 118.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 8.3  Med: 17.80 Max: 3261
Current: 118.14
8.3
3261
Forward Rate of Return (Yacktman) (%) 8.91
CFR's Forward Rate of Return (Yacktman) (%) is ranked lower than
60% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. CFR: 8.91 )
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: 1.9  Med: 9.20 Max: 15.2
Current: 8.91
1.9
15.2

More Statistics

Revenue(Mil) $1087
EPS $ 4.23
Beta1.23
Short Percentage of Float21.44%
52-Week Range $42.41 - 80.23
Shares Outstanding(Mil)61.99

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 4.54 4.85
EPS without NRI($) 4.54 4.85

Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:USB, NYSE:PNC, NYSE:BBT, NYSE:STI, NAS:HBANO, NYSE:MTB » 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
Midcap Dividend Growth Stocks by Sector: Part 2A Regional Banks Apr 13 2016 
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 
The Cheapest Dividend Growers From The MidCap 400 Dividend Aristocrats Index Feb 08 2015 
Global Investor Tom Russo’s Top Six Holdings Apr 20 2013 
The Best Yielding Ex-Dividend Stocks on Feb. 27, 2013 Feb 26 2013 
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 

More From Other Websites
CULLEN/FROST BANKERS, INC. Financials May 03 2016
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 29 2016
J.D. Power Ranks Frost Bank Highest In Texas In Retail Banking Customer Satisfaction Apr 29 2016
Cullen/Frost Bankers, Inc. :CFR-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 29 2016
Cullen/Frost Bankers Increases Quarterly Common Cash Dividend By One Cent Apr 28 2016
Cullen/Frost Bankers Increases Quarterly Common Cash Dividend By One Cent Apr 28 2016
Cullen/Frost (CFR) Beats on Q1 Earnings, Misses Revenues Apr 28 2016
Edited Transcript of CFR earnings conference call or presentation 27-Apr-16 3:00pm GMT Apr 27 2016
Cullen/Frost earnings slide for the second quarter in a row, amid energy sector slowdown Apr 27 2016
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 27 2016
Cullen/Frost Reports First Quarter Results Apr 27 2016
Cullen/Frost tops 1Q profit forecasts Apr 27 2016
Cullen/Frost tops 1Q profit forecasts Apr 27 2016
Cullen/Frost Reports First Quarter Results Apr 27 2016
Q1 2016 Cullen/Frost Bankers Inc Earnings Release - Before Market Open Apr 27 2016
Bank Stock Roundup: Q1 Earnings Bring Some Respite; Citi & Fifth Third in Focus Apr 22 2016
Cullen/Frost Bankers, Inc. Hosts First Quarter 2016 Earnings Conference Call Apr 15 2016
Cullen/Frost Bankers, Inc. Hosts First Quarter 2016 Earnings Conference Call Apr 15 2016
Cullen/Frost Bankers, Inc. breached its 50 day moving average in a Bearish Manner : CFR-US : April... Apr 08 2016

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