Switch to:

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 22.32
CFR's Cash to Debt is ranked higher than
86% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CFR: 22.32 )
CFR' s 10-Year Cash to Debt Range
Min: 1.14   Max: No Debt
Current: 22.32

Equity to Asset 0.10
CFR's Equity to Asset is ranked higher than
69% of the 1996 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 1825 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 (%) 33.07
CFR's Operating margin (%) is ranked higher than
80% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. CFR: 33.07 )
CFR' s 10-Year Operating margin (%) Range
Min: 22.88   Max: 40.2
Current: 33.07

22.88
40.2
Net-margin (%) 27.24
CFR's Net-margin (%) is ranked higher than
84% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. CFR: 27.24 )
CFR' s 10-Year Net-margin (%) Range
Min: 15.89   Max: 27.27
Current: 27.24

15.89
27.27
ROE (%) 10.18
CFR's ROE (%) is ranked higher than
82% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. CFR: 10.18 )
CFR' s 10-Year ROE (%) Range
Min: 9.65   Max: 20.11
Current: 10.18

9.65
20.11
ROA (%) 1.06
CFR's ROA (%) is ranked higher than
84% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CFR: 1.06 )
CFR' s 10-Year ROA (%) Range
Min: 1   Max: 1.59
Current: 1.06

1
1.59
ROC (Joel Greenblatt) (%) 95.22
CFR's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. CFR: 95.22 )
CFR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 77.97   Max: 159.33
Current: 95.22

77.97
159.33
Revenue Growth (%) 2.70
CFR's Revenue Growth (%) is ranked higher than
80% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CFR: 2.70 )
CFR' s 10-Year Revenue Growth (%) Range
Min: 0.8   Max: 17.9
Current: 2.7

0.8
17.9
EBITDA Growth (%) 2.40
CFR's EBITDA Growth (%) is ranked higher than
68% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CFR: 2.40 )
CFR' s 10-Year EBITDA Growth (%) Range
Min: -6.3   Max: 22
Current: 2.4

-6.3
22
EPS Growth (%) 3.10
CFR's EPS Growth (%) is ranked higher than
68% of the 1545 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

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
Q3 2014

CFR Guru Trades in Q3 2014

Jim Simons 32,800 sh (New)
Jim Chanos 66,926 sh (New)
Ken Fisher 224,807 sh (+0.18%)
Third Avenue Management 200,830 sh (unchged)
» 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 $ 789%203045
Third Avenue Management 2013-09-30 Reduce -25.03%0.1%$68.24 - $75.58 $ 7810%219472
Ken Fisher 2013-09-30 New Buy0.03%$68.24 - $75.58 $ 7810%151870
Third Avenue Management 2013-06-30 New Buy0.38%$59.76 - $66.93 $ 7824%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
CFRPRA0.005.495 3/8% Non-Cum Perp Pfd Shs

Ratios

vs
industry
vs
history
P/E(ttm) 18.80
CFR's P/E(ttm) is ranked higher than
72% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.30 vs. CFR: 18.80 )
CFR' s 10-Year P/E(ttm) Range
Min: 10.86   Max: 20.46
Current: 18.8

10.86
20.46
P/B 1.84
CFR's P/B is ranked higher than
64% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. CFR: 1.84 )
CFR' s 10-Year P/B Range
Min: 1.21   Max: 3.31
Current: 1.84

1.21
3.31
P/S 4.95
CFR's P/S is ranked higher than
65% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.65 vs. CFR: 4.95 )
CFR' s 10-Year P/S Range
Min: 2.64   Max: 5.2
Current: 4.95

2.64
5.2
PFCF 31.71
CFR's PFCF is ranked higher than
81% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CFR: 31.71 )
CFR' s 10-Year PFCF Range
Min: 6.89   Max: 44.53
Current: 31.71

6.89
44.53
EV-to-EBIT 0.03
CFR's EV-to-EBIT is ranked higher than
100% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.68 vs. CFR: 0.03 )
CFR' s 10-Year EV-to-EBIT Range
Min: -5.2   Max: 12.1
Current: 0.03

-5.2
12.1
PEG 3.92
CFR's PEG is ranked higher than
84% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CFR: 3.92 )
CFR' s 10-Year PEG Range
Min: 1.34   Max: 21.67
Current: 3.92

1.34
21.67
Shiller P/E 20.44
CFR's Shiller P/E is ranked higher than
84% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CFR: 20.44 )
CFR' s 10-Year Shiller P/E Range
Min: 11.03   Max: 22.45
Current: 20.44

11.03
22.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.59
CFR's Dividend Yield is ranked higher than
57% of the 1869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. CFR: 2.59 )
CFR' s 10-Year Dividend Yield Range
Min: 2.06   Max: 4.59
Current: 2.59

2.06
4.59
Dividend Payout 0.48
CFR's Dividend Payout is ranked higher than
67% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. CFR: 0.48 )
CFR' s 10-Year Dividend Payout Range
Min: 0.18   Max: 0.85
Current: 0.48

0.18
0.85
Dividend growth (3y) 3.60
CFR's Dividend growth (3y) is ranked higher than
74% of the 1121 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) 3.12
CFR's Yield on cost (5-Year) is ranked higher than
59% of the 1882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. CFR: 3.12 )
CFR' s 10-Year Yield on cost (5-Year) Range
Min: 2.47   Max: 5.5
Current: 3.12

2.47
5.5
Share Buyback Rate -0.30
CFR's Share Buyback Rate is ranked higher than
83% of the 1457 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 2.45
CFR's Price/Tangible Book is ranked higher than
64% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CFR: 2.45 )
CFR' s 10-Year Price/Tangible Book Range
Min: 1.18   Max: 4.19
Current: 2.45

1.18
4.19
Price/DCF (Projected) 1.13
CFR's Price/DCF (Projected) is ranked higher than
77% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.43 vs. CFR: 1.13 )
CFR' s 10-Year Price/DCF (Projected) Range
Min: 0.78   Max: 1.73
Current: 1.13

0.78
1.73
Price/Median PS Value 1.19
CFR's Price/Median PS Value is ranked higher than
74% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. CFR: 1.19 )
CFR' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 1.24
Current: 1.19

0.39
1.24
Price/Graham Number 1.37
CFR's Price/Graham Number is ranked higher than
69% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFR: 1.37 )
CFR' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 2.16
Current: 1.37

0.89
2.16
Earnings Yield (Greenblatt) 3333.30
CFR's Earnings Yield (Greenblatt) is ranked higher than
100% of the 1962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CFR: 3333.30 )
CFR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.3   Max: 3261
Current: 3333.3

8.3
3261
Forward Rate of Return (Yacktman) 8.63
CFR's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.81 vs. CFR: 8.63 )
CFR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.5   Max: 16.9
Current: 8.63

0.5
16.9

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.
» More Articles for CFR

Headlines

Articles On GuruFocus.com
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 
7 Higher-Yielding, Low-Debt Stocks with a Tiny Payout Ratio Dec 28 2011 
Investor Nov 09 2011 
Highest Yielding Stocks Aren't Always the Best Investments: 13 Lower-Debt Dividend Stocks Nov 02 2011 
8 Dividend Stocks Yielding Over 3%, With Tiny Payout Ratios Jun 15 2011 
15 Dividend Stocks Sending More Cash to Shareholders May 02 2011 


More From Other Websites
Richemont Interim Report 2014 available on Richemont.com Nov 17 2014
CULLEN/FROST BANKERS, INC. Financials Nov 05 2014
Cullen/Frost Bankers Declares Quarterly Cash Dividend For Common Stock And Preferred Stock Oct 30 2014
UPDATE: Keefe, Bruyette & Woods Reiterates On Cullen/Frost Bankers Following 3Q14 Results Oct 30 2014
Cullen/Frost Q3 Earnings Beat on High Revenues; Shares Up Oct 30 2014
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 29 2014
Cullen/Frost Reports Strong Third Quarter Results Oct 29 2014
Q3 2014 Cullen/Frost Bankers Inc Earnings Release - Before Market Open Oct 29 2014
Cullen/Frost Bankers, Inc. Hosts Third Quarter 2014 Earnings Conference Call Oct 20 2014
Will This Ratings Upgrade Help Cullen/Frost Bankers (CFR) Stock Today? Oct 16 2014
Cullen/Frost upgraded by Barclays Oct 03 2014
Cullen/Frost Rides High on Organic Growth; Should You Hold? Oct 03 2014
How Will Cullen/Frost (CFR) Stock Respond Today to This Analyst Action? Oct 03 2014
Cullen/Frost (CFR) Hits 52-Week High on Organic Growth Sep 22 2014
Why Is Porsche Still Putting Its Name on BlackBerrys? Sep 18 2014
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Regulation... Jul 31 2014
Cullen/Frost Bankers Declares Quarterly Cash Dividend For Common Stock And Preferred Stock Jul 31 2014
Cullen/Frost Bankers Board Names Former Western National Bank CEO Jack Wood A Director Jul 31 2014
Cullen/Frost Q2 Earnings Beat Estimates on Higher Revenues Jul 31 2014
CULLEN/FROST BANKERS, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 30 2014

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)
Free 7-day Trial
FEEDBACK