Switch to:
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 17.46
CFR's Cash-to-Debt is ranked higher than
70% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CFR: 17.46 )
Ranked among companies with meaningful Cash-to-Debt only.
CFR' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.45  Med: 10.66 Max: No Debt
Current: 17.46
Equity-to-Asset 0.10
CFR's Equity-to-Asset is ranked lower than
51% of the 1591 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.12
Current: 0.1
0.05
0.12
Interest Coverage 28.27
CFR's Interest Coverage is ranked higher than
93% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CFR: 28.27 )
Ranked among companies with meaningful Interest Coverage only.
CFR' s Interest Coverage Range Over the Past 10 Years
Min: 1.24  Med: 9.24 Max: 28.27
Current: 28.27
1.24
28.27
Beneish M-Score: -2.35
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 : 5/10

vs
industry
vs
history
Operating Margin % 30.32
CFR's Operating Margin % is ranked lower than
53% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CFR: 30.32 )
Ranked among companies with meaningful Operating Margin % only.
CFR' s Operating Margin % Range Over the Past 10 Years
Min: 28.03  Med: 32.17 Max: 39.37
Current: 30.32
28.03
39.37
Net Margin % 27.01
CFR's Net Margin % is ranked higher than
64% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CFR: 27.01 )
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: 27.01
21.56
27.6
ROE % 9.71
CFR's ROE % is ranked higher than
60% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CFR: 9.71 )
Ranked among companies with meaningful ROE % only.
CFR' s ROE % Range Over the Past 10 Years
Min: 9.34  Med: 10.02 Max: 14.86
Current: 9.71
9.34
14.86
ROA % 1.04
CFR's ROA % is ranked higher than
61% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CFR: 1.04 )
Ranked among companies with meaningful ROA % only.
CFR' s ROA % Range Over the Past 10 Years
Min: 0.98  Med: 1.12 Max: 1.59
Current: 1.04
0.98
1.59
3-Year Revenue Growth Rate 5.80
CFR's 3-Year Revenue Growth Rate is ranked higher than
59% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CFR: 5.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CFR' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0.8  Med: 5.7 Max: 12
Current: 5.8
0.8
12
3-Year EBITDA Growth Rate 4.70
CFR's 3-Year EBITDA Growth Rate is ranked lower than
55% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFR: 4.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CFR' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -6.2  Med: 7.7 Max: 506
Current: 4.7
-6.2
506
3-Year EPS without NRI Growth Rate 7.30
CFR's 3-Year EPS without NRI Growth Rate is ranked higher than
50% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFR: 7.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CFR' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -4.3  Med: 8.75 Max: 336.7
Current: 7.3
-4.3
336.7
GuruFocus has detected 7 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


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating 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

Paul Tudor Jones 3,900 sh (New)
Mairs and Power 116,240 sh (+9.45%)
Third Avenue Management 82,000 sh (-0.39%)
Ken Fisher 239,780 sh (-3.23%)
David Dreman 342 sh (-90.86%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Cullen/Frost Bankers Inc

SymbolPriceYieldDescription
CFRPRA25.833.915 3/8% Non-Cum Perp Pfd Shs

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:PBCT, NAS:CBSH, NAS:OZRK, NYSE:WAL, NAS:BOKF, NAS:PACW, NYSE:SNV, NYSE:PB, NAS:PVTB, NAS:TFSL, NYSE:WBS, NYSE:FHN, NAS:BPOP, NAS:FHB, NAS:TCBI, NAS:IBKC, NYSE:BKU, NAS:HBHC, NAS:UMPQ, NAS:HOMB » details
Traded in other countries:CFZ.Germany,
Headquarter Location:USA
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, insurance, brokerage, mutual funds, capital markets advisory and item processing.

Cullen/Frost is the holding company of Frost Bank, which operates solely in Texas, with a concentration on the major metropolitan areas. It is the largest Texas-based bank and ranks sixth in the state with over 3% of the deposit market. It has traditional banking services that include lending, cash management, and insurance products. The bank has over twice as many deposits as loans, and its $11 billion loan portfolio is made up of roughly 50% C&I loans, 30% commercial real estate, 12% consumer lending, and the rest in construction.

Ratios

vs
industry
vs
history
PE Ratio 19.71
CFR's PE Ratio is ranked lower than
69% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CFR: 19.71 )
Ranked among companies with meaningful PE Ratio only.
CFR' s PE Ratio Range Over the Past 10 Years
Min: 10.46  Med: 15.92 Max: 20.4
Current: 19.71
10.46
20.4
Forward PE Ratio 18.05
CFR's Forward PE Ratio is ranked lower than
78% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. CFR: 18.05 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.71
CFR's PE Ratio without NRI is ranked lower than
69% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CFR: 19.71 )
Ranked among companies with meaningful PE Ratio without NRI only.
CFR' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.46  Med: 15.92 Max: 20.4
Current: 19.71
10.46
20.4
Price-to-Owner-Earnings 22.85
CFR's Price-to-Owner-Earnings is ranked lower than
78% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CFR: 22.85 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CFR' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.25  Med: 16.69 Max: 238.14
Current: 22.85
8.25
238.14
PB Ratio 2.06
CFR's PB Ratio is ranked lower than
83% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFR: 2.06 )
Ranked among companies with meaningful PB Ratio only.
CFR' s PB Ratio Range Over the Past 10 Years
Min: 1.01  Med: 1.69 Max: 3.2
Current: 2.06
1.01
3.2
PS Ratio 5.18
CFR's PS Ratio is ranked lower than
76% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CFR: 5.18 )
Ranked among companies with meaningful PS Ratio only.
CFR' s PS Ratio Range Over the Past 10 Years
Min: 2.64  Med: 4.06 Max: 5.24
Current: 5.18
2.64
5.24
Price-to-Free-Cash-Flow 15.13
CFR's Price-to-Free-Cash-Flow is ranked lower than
59% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CFR: 15.13 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CFR' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.87  Med: 14.82 Max: 65.13
Current: 15.13
6.87
65.13
Price-to-Operating-Cash-Flow 13.25
CFR's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CFR: 13.25 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CFR' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.51  Med: 12.25 Max: 46.98
Current: 13.25
6.51
46.98
EV-to-EBIT 6.19
CFR's EV-to-EBIT is ranked higher than
75% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CFR: 6.19 )
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: 11.9
Current: 6.19
-5.2
11.9
EV-to-EBITDA 5.40
CFR's EV-to-EBITDA is ranked higher than
77% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CFR: 5.40 )
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: 10.8
Current: 5.4
-4.6
10.8
PEG Ratio 7.07
CFR's PEG Ratio is ranked lower than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CFR: 7.07 )
Ranked among companies with meaningful PEG Ratio only.
CFR' s PEG Ratio Range Over the Past 10 Years
Min: 1.34  Med: 3.88 Max: 68.44
Current: 7.07
1.34
68.44
Shiller PE Ratio 22.68
CFR's Shiller PE Ratio is ranked lower than
53% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. CFR: 22.68 )
Ranked among companies with meaningful Shiller PE Ratio only.
CFR' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.46  Med: 17.9 Max: 25.55
Current: 22.68
11.46
25.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.34
CFR's Dividend Yield % is ranked lower than
56% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CFR: 2.34 )
Ranked among companies with meaningful Dividend Yield % only.
CFR' s Dividend Yield % Range Over the Past 10 Years
Min: 2.09  Med: 3.04 Max: 4.7
Current: 2.34
2.09
4.7
Dividend Payout Ratio 0.46
CFR's Dividend Payout Ratio is ranked lower than
53% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFR: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CFR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.43  Med: 0.49 Max: 0.57
Current: 0.46
0.43
0.57
3-Year Dividend Growth Rate 2.80
CFR's 3-Year Dividend Growth Rate is ranked lower than
68% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFR: 2.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CFR' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.3 Max: 119.7
Current: 2.8
0
119.7
Forward Dividend Yield % 2.36
CFR's Forward Dividend Yield % is ranked lower than
60% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CFR: 2.36 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.75
CFR's 5-Year Yield-on-Cost % is ranked lower than
56% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. CFR: 2.75 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CFR' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.46  Med: 3.58 Max: 5.53
Current: 2.75
2.46
5.53
3-Year Average Share Buyback Ratio -1.60
CFR's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CFR: -1.60 )
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: -5.9  Med: -1.3 Max: 1
Current: -1.6
-5.9
1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.68
CFR's Price-to-Tangible-Book is ranked lower than
88% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CFR: 2.68 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFR' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.31  Med: 2.47 Max: 4.1
Current: 2.68
0.31
4.1
Price-to-Intrinsic-Value-Projected-FCF 1.22
CFR's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
81% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CFR: 1.22 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CFR' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.74  Med: 1.1 Max: 1.6
Current: 1.22
0.74
1.6
Price-to-Median-PS-Value 1.27
CFR's Price-to-Median-PS-Value is ranked lower than
57% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CFR: 1.27 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CFR' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.08  Med: 0.9 Max: 1.27
Current: 1.27
0.08
1.27
Price-to-Graham-Number 1.53
CFR's Price-to-Graham-Number is ranked lower than
84% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CFR: 1.53 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFR' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.7  Med: 1.36 Max: 3.37
Current: 1.53
0.7
3.37
Earnings Yield (Greenblatt) % 16.18
CFR's Earnings Yield (Greenblatt) % is ranked higher than
81% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CFR: 16.18 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CFR' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 8.4  Med: 20.2 Max: 3261
Current: 16.18
8.4
3261
Forward Rate of Return (Yacktman) % 6.16
CFR's Forward Rate of Return (Yacktman) % is ranked lower than
66% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CFR: 6.16 )
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: 8.5 Max: 15.4
Current: 6.16
1.9
15.4

More Statistics

Revenue (TTM) (Mil) $1,126
EPS (TTM) $ 4.70
Beta1.54
Short Percentage of Float7.95%
52-Week Range $57.94 - 96.62
Shares Outstanding (Mil)63.88

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 1,183 1,251
EPS ($) 5.09 5.54 6.00
EPS without NRI ($) 5.09 5.54 6.00
EPS Growth Rate
(Future 3Y To 5Y Estimate)
6.30%
Dividends per Share ($) 2.22 2.30
» More Articles for NYSE:CFR

Headlines

Articles On GuruFocus.com
Cullen/Frost Bankers, Inc. Hosts First Quarter 2017 Earnings Conference Call Apr 14 2017 
Why Cyclical Stocks Make Tricky Long-Term Investments Mar 31 2017 
How to Estimate Future Growth at a Predictable Company Mar 27 2017 
How Catalysts Can Boost Your Annual Returns Mar 04 2017 
How I Research Stocks Feb 18 2017 
How Fast Can a Big Bank Grow Its Deposits? Feb 18 2017 
Buy Great Businesses When the PE Ratio Is Lying to You Jan 29 2017 
How to Diversify Without Selling Stocks You Already Own and Love Jan 29 2017 
How to Steal Another Investor’s Style Jan 28 2017 
Should You Always Keep Stocks for a Full 5 Years? Jan 16 2017 

More From Other Websites
Cullen/Frost Bankers, Inc. breached its 50 day moving average in a Bullish Manner : CFR-US : April... Apr 21 2017
Can Cullen/Frost Bankers (CFR) Be a Great Stock for Value Investors Apr 19 2017
Cullen/Frost Bankers, Inc. Hosts First Quarter 2017 Earnings Conference Call Apr 14 2017
Cullen/Frost Bankers, Inc. : CFR-US: Dividend Analysis : February 28th, 2017 (record date) : By the... Mar 29 2017
6 Reasons to Add Cullen/Frost (CFR) Stock to Your Portfolio Mar 28 2017
Time to Get off the Cullen/Frost Bankers Ride Mar 17 2017
Cullen/Frost Bankers, Inc. breached its 50 day moving average in a Bearish Manner : CFR-US : March... Mar 16 2017
Cullen/Frost CEO: What market got wrong about Texas bank Mar 15 2017
Cramer Remix: Here’s what Cramer has to tell you about the banks Mar 15 2017
Cullen/Frost Bankers, Inc. -- Moody's Assigns Shelf Ratings and A3 subordinate debt rating to... Mar 10 2017
Moody's: Energy exposed US regional banks steady amid efforts to pare energy-lending concentrations Mar 07 2017
How Catalysts Can Boost Your Annual Returns Mar 04 2017
How Fast Can a Big Bank Grow Its Deposits? Feb 18 2017
How I Research Stocks Feb 18 2017
Viva La Mujer: Women now the majority on South SA Chamber board (slideshow) Feb 03 2017
Cullen/Frost Bankers Declares Quarterly Cash Dividends For Common And Preferred Stock Jan 26 2017
Cullen/Frost Bankers, Inc. :CFR-US: Earnings Analysis: Q4, 2016 By the Numbers : January 26, 2017 Jan 26 2017
Cullen/Frost (CFR) Gains on Q4 Earnings Beat; Revenue Up Jan 26 2017
Rising Energy Prices Allow Cullen/Frost Bankers' Profits to Soar Jan 25 2017
Edited Transcript of CFR earnings conference call or presentation 25-Jan-17 4:00pm GMT Jan 25 2017

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)