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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 : 7/10

vs
industry
vs
history
Cash to Debt 16.78
CFR's Cash to Debt is ranked higher than
71% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. CFR: 16.78 )
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: 16.78
Equity to Asset 0.11
CFR's Equity to Asset is ranked higher than
58% of the 1612 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: 0.1 Max: 0.12
Current: 0.11
0.07
0.12
Interest Coverage 26.42
CFR's Interest Coverage is ranked higher than
93% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CFR: 26.42 )
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: 26.42
Current: 26.42
1.24
26.42
F-Score: 6
M-Score: -2.39
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 (%) 28.27
CFR's Operating margin (%) is ranked lower than
56% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.98 vs. CFR: 28.27 )
Ranked among companies with meaningful Operating margin (%) only.
CFR' s Operating margin (%) Range Over the Past 10 Years
Min: 28.03  Med: 33.1 Max: 40.2
Current: 28.27
28.03
40.2
Net-margin (%) 25.33
CFR's Net-margin (%) is ranked higher than
59% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. CFR: 25.33 )
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: 25.33
21.56
27.6
ROE (%) 8.94
CFR's ROE (%) is ranked higher than
53% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. CFR: 8.94 )
Ranked among companies with meaningful ROE (%) only.
CFR' s ROE (%) Range Over the Past 10 Years
Min: 8.94  Med: 10.07 Max: 16.41
Current: 8.94
8.94
16.41
ROA (%) 0.97
CFR's ROA (%) is ranked higher than
57% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CFR: 0.97 )
Ranked among companies with meaningful ROA (%) only.
CFR' s ROA (%) Range Over the Past 10 Years
Min: 0.97  Med: 1.15 Max: 1.59
Current: 0.97
0.97
1.59
Revenue Growth (3Y)(%) 5.00
CFR's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 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: 5 Max: 12
Current: 5
0.8
12
EBITDA Growth (3Y)(%) 0.50
CFR's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 1235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 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: 4.1 Max: 19.3
Current: 0.5
-6.2
19.3
EPS Growth (3Y)(%) 3.50
CFR's EPS Growth (3Y)(%) is ranked lower than
62% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFR: 3.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.3  Med: 6.6 Max: 19.6
Current: 3.5
-4.3
19.6
GuruFocus has detected 6 Warning Signs with Cullen/Frost Bankers Inc $CFR.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CFR's 10-Y Financials

Financials (Next Earnings Date: 2017-01-25)


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

» Details

Guru Trades

Q1 2016

CFR Guru Trades in Q1 2016

David Dreman 342 sh (New)
John Rogers 30,279 sh (+82.44%)
Ken Fisher 241,010 sh (+2.14%)
Jim Simons Sold Out
Third Avenue Management 82,323 sh (-17.21%)
Paul Tudor Jones 3,800 sh (-65.30%)
» More
Q2 2016

CFR Guru Trades in Q2 2016

Ray Dalio 13,272 sh (New)
David Dreman 3,743 sh (+994.44%)
Ken Fisher 252,202 sh (+4.64%)
John Rogers 30,850 sh (+1.89%)
Third Avenue Management 82,323 sh (unchged)
Paul Tudor Jones Sold Out
» More
Q3 2016

CFR Guru Trades in Q3 2016

Mairs and Power 106,200 sh (New)
Third Avenue Management 82,323 sh (unchged)
David Dreman 3,743 sh (unchged)
Ray Dalio Sold Out
John Rogers Sold Out
Ken Fisher 247,793 sh (-1.75%)
» More
Q4 2016

CFR Guru Trades in Q4 2016

Ken Fisher 239,780 sh (-3.23%)
» 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
CFRPRA24.894.105 3/8% Non-Cum Perp Pfd Shs

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:CBSH, NAS:BOKF, NAS:TFSL, NYSE:WAL, NYSE:SNV, NYSE:PB, NYSE:WBS, NAS:OZRK, NAS:PACW, NAS:BPOP, NAS:FHB, NYSE:FHN, NAS:PVTB, NAS:UMPQ, NAS:HBHC, NYSE:BOH, OTCPK:FCNCB, NAS:MBFI, NYSE:ASB, NYSE:BKU » details
Traded in other countries:CFZ.Germany,
Cullen/Frost Bankers Inc is a financial holding company and a bank holding company. It offers commercial and consumer banking services, & trust and investment management, mutual funds, investment banking, leasing, and item processing services.

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 financial centers across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Rio Grande Valley and San Antonio regions. 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.

Ratios

vs
industry
vs
history
P/E(ttm) 20.43
CFR's P/E(ttm) is ranked lower than
74% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. CFR: 20.43 )
Ranked among companies with meaningful P/E(ttm) only.
CFR' s P/E(ttm) Range Over the Past 10 Years
Min: 10.46  Med: 15.92 Max: 20.65
Current: 20.43
10.46
20.65
Forward P/E 17.67
CFR's Forward P/E is ranked lower than
69% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.41 vs. CFR: 17.67 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.43
CFR's PE(NRI) is ranked lower than
74% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. CFR: 20.43 )
Ranked among companies with meaningful PE(NRI) only.
CFR' s PE(NRI) Range Over the Past 10 Years
Min: 10.46  Med: 15.92 Max: 20.65
Current: 20.43
10.46
20.65
Price/Owner Earnings (ttm) 33.25
CFR's Price/Owner Earnings (ttm) is ranked lower than
88% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.64 vs. CFR: 33.25 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CFR' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.25  Med: 16.48 Max: 238.14
Current: 33.25
8.25
238.14
P/B 1.84
CFR's P/B is ranked lower than
81% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CFR: 1.84 )
Ranked among companies with meaningful P/B only.
CFR' s P/B Range Over the Past 10 Years
Min: 1.01  Med: 1.69 Max: 3.2
Current: 1.84
1.01
3.2
P/S 5.03
CFR's P/S is ranked lower than
77% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. CFR: 5.03 )
Ranked among companies with meaningful P/S only.
CFR' s P/S Range Over the Past 10 Years
Min: 2.64  Med: 4.06 Max: 5.19
Current: 5.03
2.64
5.19
PFCF 17.86
CFR's PFCF is ranked lower than
66% of the 823 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. CFR: 17.86 )
Ranked among companies with meaningful PFCF only.
CFR' s PFCF Range Over the Past 10 Years
Min: 6.87  Med: 15.11 Max: 65.13
Current: 17.86
6.87
65.13
POCF 14.96
CFR's POCF is ranked lower than
64% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CFR: 14.96 )
Ranked among companies with meaningful POCF only.
CFR' s POCF Range Over the Past 10 Years
Min: 6.51  Med: 12.22 Max: 46.98
Current: 14.96
6.51
46.98
EV-to-EBIT 6.32
CFR's EV-to-EBIT is ranked higher than
75% of the 1216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. CFR: 6.32 )
Ranked among companies with meaningful EV-to-EBIT only.
CFR' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.2  Med: 4.7 Max: 12.1
Current: 6.32
-5.2
12.1
EV-to-EBITDA 5.50
CFR's EV-to-EBITDA is ranked higher than
76% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.20 vs. CFR: 5.50 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.6  Med: 4.2 Max: 11
Current: 5.5
-4.6
11
PEG 7.32
CFR's PEG is ranked lower than
91% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. CFR: 7.32 )
Ranked among companies with meaningful PEG only.
CFR' s PEG Range Over the Past 10 Years
Min: 1.34  Med: 3.74 Max: 68.44
Current: 7.32
1.34
68.44
Shiller P/E 21.97
CFR's Shiller P/E is ranked lower than
52% of the 484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.92 vs. CFR: 21.97 )
Ranked among companies with meaningful Shiller P/E only.
CFR' s Shiller P/E Range Over the Past 10 Years
Min: 11.49  Med: 17.78 Max: 22.61
Current: 21.97
11.49
22.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.43
CFR's Dividend Yield is ranked lower than
56% of the 2358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. CFR: 2.43 )
Ranked among companies with meaningful Dividend Yield only.
CFR' s Dividend Yield Range Over the Past 10 Years
Min: 2.07  Med: 3.04 Max: 4.7
Current: 2.43
2.07
4.7
Dividend Payout 0.50
CFR's Dividend Payout is ranked lower than
58% of the 1314 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CFR: 0.50 )
Ranked among companies with meaningful Dividend Payout only.
CFR' s Dividend Payout Range Over the Past 10 Years
Min: 0.39  Med: 0.49 Max: 0.57
Current: 0.5
0.39
0.57
Dividend Growth (3y) 3.40
CFR's Dividend Growth (3y) is ranked lower than
67% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 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 Max: 18.8
Current: 3.4
3.3
18.8
Forward Dividend Yield 2.45
CFR's Forward Dividend Yield is ranked lower than
57% of the 2268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. CFR: 2.45 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.87
CFR's Yield on cost (5-Year) is ranked lower than
57% of the 2640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. CFR: 2.87 )
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: 3.59 Max: 5.56
Current: 2.87
2.45
5.56
3-Year Average Share Buyback Ratio -0.30
CFR's 3-Year Average Share Buyback Ratio is ranked higher than
70% of the 1049 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CFR: -0.30 )
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: -5.5  Med: -1 Max: 1
Current: -0.3
-5.5
1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.35
CFR's Price/Tangible Book is ranked lower than
85% of the 1600 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. CFR: 2.35 )
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: 2.35
1.56
4.19
Price/Projected FCF 1.12
CFR's Price/Projected FCF is ranked lower than
75% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CFR: 1.12 )
Ranked among companies with meaningful Price/Projected FCF only.
CFR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.71  Med: 1.06 Max: 1.73
Current: 1.12
0.71
1.73
Price/Median PS Value 1.24
CFR's Price/Median PS Value is ranked lower than
60% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CFR: 1.24 )
Ranked among companies with meaningful Price/Median PS Value only.
CFR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.61  Med: 0.95 Max: 1.26
Current: 1.24
0.61
1.26
Price/Graham Number 1.46
CFR's Price/Graham Number is ranked lower than
83% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CFR: 1.46 )
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: 1.83
Current: 1.46
0.95
1.83
Earnings Yield (Greenblatt) (%) 15.86
CFR's Earnings Yield (Greenblatt) (%) is ranked higher than
81% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CFR: 15.86 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 8.3  Med: 20 Max: 3261
Current: 15.86
8.3
3261
Forward Rate of Return (Yacktman) (%) 6.19
CFR's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. CFR: 6.19 )
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: 8.8 Max: 15.4
Current: 6.19
1.9
15.4

More Statistics

Revenue (TTM) (Mil) $1,100
EPS (TTM) $ 4.31
Beta1.49
Short Percentage of Float8.92%
52-Week Range $42.41 - 90.17
Shares Outstanding (Mil)62.96

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 1,112 1,171 1,204
EPS ($) 4.67 4.99 5.38
EPS w/o NRI ($) 4.67 4.99 5.38
EPS Growth Rate
(3Y to 5Y Estimate)
8.60%
Dividends Per Share ($) 2.15 2.21 2.30
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