GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Cullen/Frost Bankers Inc (NYSE:CFR) » Definitions » Net Margin %

Cullen/Frost Bankers (Cullen/Frost Bankers) Net Margin %

: 20.43% (As of Dec. 2023)
View and export this data going back to 1986. Start your Free Trial

Net margin is calculated as Net Income divided by its Revenue. Cullen/Frost Bankers's Net Income for the three months ended in Dec. 2023 was $103 Mil. Cullen/Frost Bankers's Revenue for the three months ended in Dec. 2023 was $502 Mil. Therefore, Cullen/Frost Bankers's net margin for the quarter that ended in Dec. 2023 was 20.43%.

The historical rank and industry rank for Cullen/Frost Bankers's Net Margin % or its related term are showing as below:

CFR' s Net Margin % Range Over the Past 10 Years
Min: 22.97   Med: 30.18   Max: 34.75
Current: 30.09


CFR's Net Margin % is ranked better than
63.4% of 1459 companies
in the Banks industry
Industry Median: 25.5 vs CFR: 30.09

Cullen/Frost Bankers Net Margin % Historical Data

The historical data trend for Cullen/Frost Bankers's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Cullen/Frost Bankers Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 32.43 22.97 32.30 34.15 30.09

Cullen/Frost Bankers Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Net Margin % Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 37.92 35.17 33.17 31.67 20.43

Competitive Comparison

For the Banks - Regional subindustry, Cullen/Frost Bankers's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Cullen/Frost Bankers Net Margin % Distribution

For the Banks industry and Financial Services sector, Cullen/Frost Bankers's Net Margin % distribution charts can be found below:

* The bar in red indicates where Cullen/Frost Bankers's Net Margin % falls into.



Cullen/Frost Bankers Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Cullen/Frost Bankers's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=597.973/1987.206
=30.09 %

Cullen/Frost Bankers's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin=Net Income (Q: Dec. 2023 )/Revenue (Q: Dec. 2023 )
=102.551/501.903
=20.43 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Cullen/Frost Bankers  (NYSE:CFR) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


Cullen/Frost Bankers Net Margin % Related Terms

Thank you for viewing the detailed overview of Cullen/Frost Bankers's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.


Cullen/Frost Bankers (Cullen/Frost Bankers) Business Description

Traded in Other Exchanges
Address
111 W. Houston Street, San Antonio, TX, USA, 78205
Cullen/Frost Bankers is a financial holding company, headquartered in San Antonio. One of the 50 largest U.S. banks, Frost provides a wide range of banking, investments, and insurance services to businesses and individuals across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, and San Antonio regions.
Executives
Patrick B Frost director, other: Member Executive Committee 100 WEST HOUSTON ST, SAN ANTONIO TX 78205
Howard Willome John director 111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205
Chris Avery director 510 POST OAK ROAD, FREDERICKSBURG TX 78624
Howard L. Kasanoff officer: GEVP Chief Credit Officer 111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205
Bobby Berman officer: Group Executive Vice President 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Candace K Wolfshohl officer: Group Executive Vice President 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Phillip D Green officer: Group EVP / CFO 100 WEST HOUSTON ST, SAN ANTONIO TX 78205
Carol Jean Severyn officer: GEVP and Chief Risk Officer 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Paul Bracher officer: President 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Joseph A. Pierce director 111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205
William L Perotti officer: Group Executive Vice President 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Jerry Salinas officer: Chief Financial Officer 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Anthony R Chase director 10307 PACIFIC CENTER COURT, SAN DIEGO CA 92121
Linda B. Rutherford director 2702 LOVE FIELD DRIVE, HDQ 4GC, DALLAS TX 75235
Annette M Alonzo officer: Group Executive Vice President 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205