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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 21.10
CFR's Cash to Debt is ranked higher than
86% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CFR: 21.10 )
CFR' s 10-Year Cash to Debt Range
Min: 1.14   Max: No Debt
Current: 21.1

Equity to Asset 0.10
CFR's Equity to Asset is ranked higher than
72% of the 1753 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 13.26
CFR's Interest Coverage is ranked higher than
97% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CFR: 13.26 )
CFR' s 10-Year Interest Coverage Range
Min: 0.69   Max: 13.26
Current: 13.26

0.69
13.26
F-Score: 4
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 (%) 31.76
CFR's Operating margin (%) is ranked higher than
79% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. CFR: 31.76 )
CFR' s 10-Year Operating margin (%) Range
Min: 23.99   Max: 40.2
Current: 31.76

23.99
40.2
Net-margin (%) 26.28
CFR's Net-margin (%) is ranked higher than
83% of the 1783 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. CFR: 26.28 )
CFR' s 10-Year Net-margin (%) Range
Min: 16.2   Max: 27.27
Current: 26.28

16.2
27.27
ROE (%) 9.82
CFR's ROE (%) is ranked higher than
81% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. CFR: 9.82 )
CFR' s 10-Year ROE (%) Range
Min: 9.65   Max: 20.11
Current: 9.82

9.65
20.11
ROA (%) 1.03
CFR's ROA (%) is ranked higher than
84% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CFR: 1.03 )
CFR' s 10-Year ROA (%) Range
Min: 1   Max: 1.59
Current: 1.03

1
1.59
ROC (Joel Greenblatt) (%) 93.73
CFR's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1757 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. CFR: 93.73 )
CFR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 78.75   Max: 159.33
Current: 93.73

78.75
159.33
Revenue Growth (%) 2.70
CFR's Revenue Growth (%) is ranked higher than
81% of the 1555 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFR: 2.70 )
CFR' s 10-Year Revenue Growth (%) Range
Min: 0.8   Max: 12
Current: 2.7

0.8
12
EBITDA Growth (%) 2.40
CFR's EBITDA Growth (%) is ranked higher than
69% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CFR: 2.40 )
CFR' s 10-Year EBITDA Growth (%) Range
Min: -6.3   Max: 19.3
Current: 2.4

-6.3
19.3
EPS Growth (%) 3.10
CFR's EPS Growth (%) is ranked higher than
69% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CFR: 3.10 )
CFR' s 10-Year EPS Growth (%) Range
Min: -4.2   Max: 19.7
Current: 3.1

-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 2013

CFR Guru Trades in Q3 2013

Ken Fisher 151,870 sh (New)
Paul Tudor Jones 3,600 sh (New)
Jim Simons Sold Out
Westport Asset Management Sold Out
Third Avenue Management 219,472 sh (-25.03%)
» More
Q4 2013

CFR Guru Trades in Q4 2013

Ken Fisher 203,045 sh (+33.7%)
Third Avenue Management 230,230 sh (+4.9%)
Paul Tudor Jones Sold Out
» More
Q1 2014

CFR Guru Trades in Q1 2014

Steven Cohen 6,428 sh (New)
Third Avenue Management 230,230 sh (unchged)
Ken Fisher 191,330 sh (-5.77%)
» More
Q2 2014

CFR Guru Trades in Q2 2014

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2013-12-31 Add 33.7%0.01%$69.27 - $74.18 $ 75.976%203045
Third Avenue Management 2013-09-30 Reduce -25.03%0.1%$68.24 - $75.58 $ 75.977%219472
Ken Fisher 2013-09-30 New Buy0.03%$68.24 - $75.58 $ 75.977%151870
Third Avenue Management 2013-06-30 New Buy0.38%$59.76 - $66.93 $ 75.9720%292727
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Cullen/Frost Bankers Inc

SymbolPriceYieldDescription
CFRPRA0.005.715 3/8% Non-Cum Perp Pfd Shs

Ratios

vs
industry
vs
history
P/E(ttm) 19.50
CFR's P/E(ttm) is ranked higher than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.50 vs. CFR: 19.50 )
CFR' s 10-Year P/E(ttm) Range
Min: 10.86   Max: 20.52
Current: 19.5

10.86
20.52
P/B 1.80
CFR's P/B is ranked higher than
59% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CFR: 1.80 )
CFR' s 10-Year P/B Range
Min: 1.21   Max: 3.31
Current: 1.8

1.21
3.31
P/S 5.00
CFR's P/S is ranked higher than
59% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. CFR: 5.00 )
CFR' s 10-Year P/S Range
Min: 2.64   Max: 5.21
Current: 5

2.64
5.21
PFCF 19.50
CFR's PFCF is ranked higher than
74% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.89 vs. CFR: 19.50 )
CFR' s 10-Year PFCF Range
Min: 6.89   Max: 44.53
Current: 19.5

6.89
44.53
EV-to-EBIT 0.67
CFR's EV-to-EBIT is ranked higher than
100% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.23 vs. CFR: 0.67 )
CFR' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 12.1
Current: 0.67

0.1
12.1
PEG 4.06
CFR's PEG is ranked higher than
81% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CFR: 4.06 )
CFR' s 10-Year PEG Range
Min: 1.37   Max: 20.92
Current: 4.06

1.37
20.92
Shiller P/E 20.20
CFR's Shiller P/E is ranked higher than
81% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.04 vs. CFR: 20.20 )
CFR' s 10-Year Shiller P/E Range
Min: 11.06   Max: 22.52
Current: 20.2

11.06
22.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
CFR's Dividend Yield is ranked higher than
57% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. CFR: 2.70 )
CFR' s 10-Year Dividend Yield Range
Min: 2.06   Max: 4.59
Current: 2.7

2.06
4.59
Dividend Payout 0.51
CFR's Dividend Payout is ranked higher than
62% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. CFR: 0.51 )
CFR' s 10-Year Dividend Payout Range
Min: 0.18   Max: 0.85
Current: 0.51

0.18
0.85
Dividend growth (3y) 3.60
CFR's Dividend growth (3y) is ranked higher than
75% of the 1053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. CFR: 3.60 )
CFR' s 10-Year Dividend growth (3y) Range
Min: 3.3   Max: 41.9
Current: 3.6

3.3
41.9
Yield on cost (5-Year) 3.24
CFR's Yield on cost (5-Year) is ranked higher than
60% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. CFR: 3.24 )
CFR' s 10-Year Yield on cost (5-Year) Range
Min: 2.47   Max: 5.5
Current: 3.24

2.47
5.5
Share Buyback Rate -0.30
CFR's Share Buyback Rate is ranked higher than
83% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CFR: -0.30 )
CFR' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -6.6
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.40
CFR's Price/Tangible Book is ranked higher than
58% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. CFR: 2.40 )
CFR' s 10-Year Price/Tangible Book Range
Min: 1.18   Max: 4.19
Current: 2.4

1.18
4.19
Price/DCF (Projected) 1.10
CFR's Price/DCF (Projected) is ranked higher than
72% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CFR: 1.10 )
CFR' s 10-Year Price/DCF (Projected) Range
Min: 0.78   Max: 1.75
Current: 1.1

0.78
1.75
Price/Median PS Value 1.20
CFR's Price/Median PS Value is ranked higher than
68% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CFR: 1.20 )
CFR' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 1.23
Current: 1.2

0.39
1.23
Price/Graham Number 1.40
CFR's Price/Graham Number is ranked higher than
64% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFR: 1.40 )
CFR' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 1.91
Current: 1.4

0.89
1.91
Earnings Yield (Greenblatt) 149.30
CFR's Earnings Yield (Greenblatt) is ranked higher than
100% of the 1692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. CFR: 149.30 )
CFR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.3   Max: 3261
Current: 149.3

8.3
3261
Forward Rate of Return (Yacktman) 8.50
CFR's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. CFR: 8.50 )
CFR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.4   Max: 16.6
Current: 8.5

0.4
16.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, MWG » details
Traded in other countries:CFZ.Germany
Cullen Frost Bankers, Inc., 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's local market orientation is reflected in its financial centers and regional advisory boards, which are comprised of local business persons, professionals and other community representatives, that assist the Company's financial centers in responding to local banking needs. The Company serves different industries including, energy, manufacturing, services, construction retail, telecommunications, healthcare, military and transportation. The Company has two reportable operating segments, Banking and Frost Wealth Advisors. The Frost National Bank is mainly 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 services offered by Frost Bank include: Commercial Banking, Consumer Services, International Banking, Correspondent Banking, Trust Services, and Capital Markets-Fixed-Income Services. Frost Insurance Agency, Inc. is a wholly owned subsidiary of Frost Bank that provides insurance brokerage services to individuals and businesses covering corporate and personal property and casualty insurance products, as well as group health and life insurance products. Frost Brokerage Services, Inc. is a wholly owned subsidiary of Frost Bank that provides brokerage services and performs other transactions or operations related to the sale and purchase of securities of all types. Frost Premium Finance Company is a wholly owned subsidiary of Frost Bank that makes loans to qualified borrowers for the purpose of financing its purchase of property and casualty insurance. Frost Securities, Inc. is a wholly owned subsidiary that provides advisory and private equity services to middle market companies in Texas. Main Plaza Corporation is a wholly owned non-banking subsidiary that occasionally makes loans to qualified borrowers. Daltex General Agency, Inc. is a wholly owned non-banking subsidiary that operates as a managing general insurance agency providing insurance on certain auto loans financed by Frost Bank. The Company competes with other providers of financial services, such as savings and loan associations, c
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