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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 : 5/10

vs
industry
vs
history
Cash to Debt 13.70
CFR's Cash to Debt is ranked higher than
65% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. CFR: 13.70 )
Ranked among companies with meaningful Cash to Debt only.
CFR' s 10-Year Cash to Debt Range
Min: 1.14  Med: 6.93 Max: No Debt
Current: 13.7
Equity to Asset 0.10
CFR's Equity to Asset is ranked higher than
50% of the 1337 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.1
0.07
0.12
Interest Coverage 23.12
CFR's Interest Coverage is ranked higher than
93% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CFR: 23.12 )
Ranked among companies with meaningful Interest Coverage only.
CFR' s 10-Year Interest Coverage Range
Min: 0.69  Med: 2.08 Max: 23.12
Current: 23.12
0.69
23.12
F-Score: 5
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 (%) 33.72
CFR's Operating margin (%) is ranked higher than
60% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. CFR: 33.72 )
Ranked among companies with meaningful Operating margin (%) only.
CFR' s 10-Year Operating margin (%) Range
Min: 23.99  Med: 33.27 Max: 40.2
Current: 33.72
23.99
40.2
Net-margin (%) 28.25
CFR's Net-margin (%) is ranked higher than
69% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. CFR: 28.25 )
Ranked among companies with meaningful Net-margin (%) only.
CFR' s 10-Year Net-margin (%) Range
Min: 16.2  Med: 24.68 Max: 27.6
Current: 28.25
16.2
27.6
ROE (%) 10.11
CFR's ROE (%) is ranked higher than
64% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CFR: 10.11 )
Ranked among companies with meaningful ROE (%) only.
CFR' s 10-Year ROE (%) Range
Min: 9.37  Med: 15.49 Max: 20.11
Current: 10.11
9.37
20.11
ROA (%) 1.07
CFR's ROA (%) is ranked higher than
66% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CFR: 1.07 )
Ranked among companies with meaningful ROA (%) only.
CFR' s 10-Year ROA (%) Range
Min: 1  Med: 1.34 Max: 1.59
Current: 1.07
1
1.59
ROC (Joel Greenblatt) (%) 79.36
CFR's ROC (Joel Greenblatt) (%) is ranked higher than
51% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.67 vs. CFR: 79.36 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CFR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 78.75  Med: 106.11 Max: 191.54
Current: 79.36
78.75
191.54
Revenue Growth (3Y)(%) 4.00
CFR's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CFR: 4.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFR' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.8  Med: 4.60 Max: 12
Current: 4
0.8
12
EBITDA Growth (3Y)(%) 4.10
CFR's EBITDA Growth (3Y)(%) is ranked lower than
60% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CFR: 4.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -6.3  Med: 6.60 Max: 19.2
Current: 4.1
-6.3
19.2
EPS Growth (3Y)(%) 6.50
CFR's EPS Growth (3Y)(%) is ranked lower than
59% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. CFR: 6.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFR' s 10-Year EPS Growth (3Y)(%) Range
Min: -4.2  Med: 8.60 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

Q3 2014

CFR Guru Trades in Q3 2014

Jim Chanos 66,926 sh (New)
Jim Simons 32,800 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
Q2 2015

CFR Guru Trades in Q2 2015

Ken Fisher 234,173 sh (+1.61%)
» 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
CFRPRA24.754.075 3/8% Non-Cum Perp Pfd Shs

Ratios

vs
industry
vs
history
P/E(ttm) 21.30
CFR's P/E(ttm) is ranked lower than
78% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CFR: 21.30 )
Ranked among companies with meaningful P/E(ttm) only.
CFR' s 10-Year P/E(ttm) Range
Min: 10.86  Med: 16.25 Max: 23.59
Current: 21.3
10.86
23.59
Forward P/E 14.29
CFR's Forward P/E is ranked lower than
70% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. CFR: 14.29 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.40
CFR's PE(NRI) is ranked lower than
78% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CFR: 21.40 )
Ranked among companies with meaningful PE(NRI) only.
CFR' s 10-Year PE(NRI) Range
Min: 10.86  Med: 16.24 Max: 23.63
Current: 21.4
10.86
23.63
P/B 1.68
CFR's P/B is ranked lower than
82% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFR: 1.68 )
Ranked among companies with meaningful P/B only.
CFR' s 10-Year P/B Range
Min: 1.21  Med: 1.82 Max: 3.21
Current: 1.68
1.21
3.21
P/S 4.41
CFR's P/S is ranked lower than
76% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CFR: 4.41 )
Ranked among companies with meaningful P/S only.
CFR' s 10-Year P/S Range
Min: 2.64  Med: 4.18 Max: 5.19
Current: 4.41
2.64
5.19
PFCF 38.95
CFR's PFCF is ranked lower than
90% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. CFR: 38.95 )
Ranked among companies with meaningful PFCF only.
CFR' s 10-Year PFCF Range
Min: 6.89  Med: 16.87 Max: 65.64
Current: 38.95
6.89
65.64
POCF 15.25
CFR's POCF is ranked lower than
74% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. CFR: 15.25 )
Ranked among companies with meaningful POCF only.
CFR' s 10-Year POCF Range
Min: 6.52  Med: 13.27 Max: 46.89
Current: 15.25
6.52
46.89
EV-to-EBIT 4.85
CFR's EV-to-EBIT is ranked higher than
91% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. CFR: 4.85 )
Ranked among companies with meaningful EV-to-EBIT only.
CFR' s 10-Year EV-to-EBIT Range
Min: -5.2  Med: 6.20 Max: 12.1
Current: 4.85
-5.2
12.1
PEG 4.37
CFR's PEG is ranked lower than
88% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFR: 4.37 )
Ranked among companies with meaningful PEG only.
CFR' s 10-Year PEG Range
Min: 1.37  Med: 2.60 Max: 20.92
Current: 4.37
1.37
20.92
Shiller P/E 18.65
CFR's Shiller P/E is ranked lower than
58% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. CFR: 18.65 )
Ranked among companies with meaningful Shiller P/E only.
CFR' s 10-Year Shiller P/E Range
Min: 10.99  Med: 17.18 Max: 22.43
Current: 18.65
10.99
22.43
Days Sales Outstanding 139.06
CFR's Days Sales Outstanding is ranked lower than
83% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. CFR: 139.06 )
Ranked among companies with meaningful Days Sales Outstanding only.
CFR' s 10-Year Days Sales Outstanding Range
Min: 112.47  Med: 158.93 Max: 356.34
Current: 139.06
112.47
356.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.84
CFR's Dividend Yield is ranked higher than
55% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CFR: 2.84 )
Ranked among companies with meaningful Dividend Yield only.
CFR' s 10-Year Dividend Yield Range
Min: 1.91  Med: 2.92 Max: 4.59
Current: 2.84
1.91
4.59
Dividend Payout 0.46
CFR's Dividend Payout is ranked lower than
69% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFR: 0.46 )
Ranked among companies with meaningful Dividend Payout only.
CFR' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.41 Max: 0.85
Current: 0.46
0.18
0.85
Dividend growth (3y) 3.50
CFR's Dividend growth (3y) is ranked lower than
63% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFR: 3.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
CFR' s 10-Year Dividend growth (3y) Range
Min: 3.3  Med: 9.00 Max: 26.4
Current: 3.5
3.3
26.4
Yield on cost (5-Year) 3.38
CFR's Yield on cost (5-Year) is ranked higher than
55% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. CFR: 3.38 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CFR' s 10-Year Yield on cost (5-Year) Range
Min: 2.45  Med: 3.47 Max: 5.45
Current: 3.38
2.45
5.45
Share Buyback Rate -0.90
CFR's Share Buyback Rate is ranked higher than
59% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CFR: -0.90 )
Ranked among companies with meaningful Share Buyback Rate only.
CFR' s 10-Year Share Buyback Rate Range
Min: 2.3  Med: -1.00 Max: -6.3
Current: -0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.22
CFR's Price/Tangible Book is ranked lower than
88% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CFR: 2.22 )
Ranked among companies with meaningful Price/Tangible Book only.
CFR' s 10-Year Price/Tangible Book Range
Min: 1.58  Med: 2.60 Max: 4.19
Current: 2.22
1.58
4.19
Price/DCF (Earnings Based) 1.70
CFR's Price/DCF (Earnings Based) is ranked lower than
95% of the 55 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. CFR: 1.70 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Earnings Yield (Greenblatt) (%) 20.60
CFR's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CFR: 20.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFR' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 8.3  Med: 14.20 Max: 3261
Current: 20.6
8.3
3261
Forward Rate of Return (Yacktman) (%) 8.61
CFR's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. CFR: 8.61 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CFR' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.5  Med: 9.35 Max: 14.7
Current: 8.61
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.
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More From Other Websites
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jul 31 2015
Cullen/Frost Bankers Declares Quarterly Cash Dividend For Common Stock And Preferred Stock Jul 30 2015
Cullen/Frost Bankers Declares Quarterly Cash Dividend For Common Stock And Preferred Stock Jul 30 2015
Cullen/Frost's (CFR) Q2 Earnings Improve; Shares Up 1.4% - Analyst Blog Jul 30 2015
BOK Financial Up 3.6% on Q2 Earnings Beat, Revenues Rise - Analyst Blog Jul 30 2015
Edited Transcript of CFR earnings conference call or presentation 29-Jul-15 3:00pm GMT Jul 29 2015
Problem loans from energy downturn not a problem for Cullen/Frost Jul 29 2015
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Change... Jul 29 2015
Cullen/Frost Reports Second Quarter Results Jul 29 2015
Cullen/Frost Announces Executive Leadership Transition Jul 29 2015
Cullen/Frost misses Street 2Q forecasts Jul 29 2015
Cullen/Frost misses Street 2Q forecasts Jul 29 2015
Cullen/Frost Announces Executive Leadership Transition Jul 29 2015
Cullen/Frost Reports Second Quarter Results Jul 29 2015
Q2 2015 Cullen/Frost Bankers Inc Earnings Release - Before Market Open Jul 29 2015
Fed Rate Increase: Will this Hurt Stocks? Jul 27 2015
Bank Stock Roundup: Q2 Earnings in Final Stretch; Comerica, SunTrust, Citi in Focus - Analyst Blog Jul 24 2015
Cullen/Frost Bankers, Inc. Hosts Second Quarter 2015 Earnings Conference Call Jul 13 2015
Cullen/Frost Bankers, Inc. Hosts Second Quarter 2015 Earnings Conference Call Jul 13 2015
Looking For Steady Investment Returns? Bet on Cullen/Frost - Analyst Blog Jul 10 2015

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