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 : 5/10

vs
industry
vs
history
Cash-to-Debt 20.85
CFR's Cash-to-Debt is ranked higher than
72% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CFR: 20.85 )
Ranked among companies with meaningful Cash-to-Debt only.
CFR' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.45  Med: 12.91 Max: No Debt
Current: 20.85
1.45
No Debt
Equity-to-Asset 0.10
CFR's Equity-to-Asset is ranked lower than
53% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 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
Debt-to-Equity 0.07
CFR's Debt-to-Equity is ranked higher than
93% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CFR: 0.07 )
Ranked among companies with meaningful Debt-to-Equity only.
CFR' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07  Med: 0.18 Max: 0.46
Current: 0.07
0.07
0.46
Debt-to-EBITDA 0.52
CFR's Debt-to-EBITDA is ranked higher than
91% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.34 vs. CFR: 0.52 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CFR' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.52  Med: 0.67 Max: 1.46
Current: 0.52
0.52
1.46
Interest Coverage 15.40
CFR's Interest Coverage is ranked higher than
91% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CFR: 15.40 )
Ranked among companies with meaningful Interest Coverage only.
CFR' s Interest Coverage Range Over the Past 10 Years
Min: 2.1  Med: 12.4 Max: 28.27
Current: 15.4
2.1
28.27
Beneish M-Score: -2.47
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 % 33.95
CFR's Operating Margin % is ranked higher than
54% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.45 vs. CFR: 33.95 )
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: 36.15
Current: 33.95
28.03
36.15
Net Margin % 30.27
CFR's Net Margin % is ranked higher than
71% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.18 vs. CFR: 30.27 )
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: 30.27
Current: 30.27
21.56
30.27
ROE % 11.20
CFR's ROE % is ranked higher than
71% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CFR: 11.20 )
Ranked among companies with meaningful ROE % only.
CFR' s ROE % Range Over the Past 10 Years
Min: 9.34  Med: 10.02 Max: 12.79
Current: 11.2
9.34
12.79
ROA % 1.18
CFR's ROA % is ranked higher than
71% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CFR: 1.18 )
Ranked among companies with meaningful ROA % only.
CFR' s ROA % Range Over the Past 10 Years
Min: 0.98  Med: 1.12 Max: 1.45
Current: 1.18
0.98
1.45
3-Year Revenue Growth Rate 5.20
CFR's 3-Year Revenue Growth Rate is ranked higher than
56% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CFR: 5.20 )
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: 5.45 Max: 12
Current: 5.2
0.8
12
3-Year EBITDA Growth Rate 5.70
CFR's 3-Year EBITDA Growth Rate is ranked higher than
50% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CFR: 5.70 )
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: 7.6 Max: 506
Current: 5.7
-6.2
506
3-Year EPS without NRI Growth Rate 8.70
CFR's 3-Year EPS without NRI Growth Rate is ranked higher than
57% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CFR: 8.70 )
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: 8.7 Max: 336.7
Current: 8.7
-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 30-Y Financials

Financials (Next Earnings Date: 2018-04-26)


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

» Details

Guru Trades

Q1 2017

CFR Guru Trades in Q1 2017

Ray Dalio 24,890 sh (New)
Mairs and Power 134,070 sh (+15.34%)
David Dreman Sold Out
Ken Fisher 216,269 sh (-9.81%)
Paul Tudor Jones 3,200 sh (-17.95%)
Third Avenue Management 66,400 sh (-19.02%)
» More
Q2 2017

CFR Guru Trades in Q2 2017

Mairs and Power 134,370 sh (+0.22%)
Paul Tudor Jones Sold Out
Third Avenue Management 60,800 sh (-8.43%)
Ken Fisher 101,946 sh (-52.86%)
Ray Dalio 5,858 sh (-76.46%)
» More
Q3 2017

CFR Guru Trades in Q3 2017

Mairs and Power 134,370 sh (unchged)
Third Avenue Management 60,800 sh (unchged)
Ray Dalio Sold Out
Ken Fisher Sold Out
» More
Q4 2017

CFR Guru Trades in Q4 2017

Third Avenue Management 60,800 sh (unchged)
Mairs and Power 127,620 sh (-5.02%)
» 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 2017-09-30 Sold Out 0.02%$81.59 - $98 $ 106.5418%0
Ken Fisher 2017-06-30 Reduce -52.86%0.02%$85.9 - $98.59 $ 106.5416%101,946
Third Avenue Management 2017-06-30 Reduce -8.43%0.02%$85.9 - $98.59 $ 106.5416%60,800
Ken Fisher 2017-03-31 Reduce -9.81%$84.21 - $96.1 $ 106.5418%216,269
Third Avenue Management 2017-03-31 Reduce -19.02%0.06%$84.21 - $96.1 $ 106.5418%66,400
David Dreman 2017-03-31 Sold Out 0.02%$84.21 - $96.1 $ 106.5418%0
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
CFRpA.PFD24.865.415 3/8% Non-Cum Perp Pfd Shs

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:XPTY:BGFG, NAS:PBCT, NAS:OZRK, NYSE:CIT, NAS:CBSH, NYSE:FHN, NAS:PACW, NAS:BOKF, NYSE:WAL, NYSE:SNV, NYSE:STL, NYSE:PB, NYSE:WBS, NAS:FCNCA, NAS:PNFP, NAS:WTFC, NAS:TCBI, NAS:SBNY, NAS:UMPQ, NAS:HBHC » 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 provides a range of products and services throughout Texas markets, with a concentration on the major metropolitan areas.

Cullen/Frost Bankers, Inc. 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.

Top Ranked Articles about Cullen/Frost Bankers Inc

Frost Bank Again Leads In Greenwich Excellence Awards
The Trouble With Taking Profits Once you have a gain in a stock, you'll feel the itch to sell. Remember these 3 rules
Warren Buffett (Trades, Portfolio) said that there was one part of how businesses worked that he didn’t believe and wasn’t prepared for till he saw it in action himself. He called it the “institutional imperative.” And he said this institutional imperative was: “the tendency of executives to mindlessly imitate the behavior of their peers, no matter how foolish it may be to do so.” Read more...
Cullen/Frost Bankers Announces Retirement Of Two Directors
Frost Bank Announces Hires To Replace Retiring Executives
How to Identify Mispriced Stocks Investors need to check out every upcoming spinoff and study the opportunities
On Tuesday, I talked about how there are two good approaches to finding the next stock you should research: 1) Make a list of obviously great businesses. 2) Make a list of stocks that are more likely to be mispriced than the average stock out there. Read more...
Cullen/Frost Bankers, Inc. Hosts Fourth Quarter and Annual 2017 Earnings Conference Call
New Research Coverage Highlights Healthcare Services Group, Oshkosh, Aceto, Cullen/Frost Bankers, Caseys General Stores, and Choice Hotels International — Consolidated Revenues, Company Growth, and Expectations for 2018
Cullen/Frost Announces Release of Its 2017 Dodd-Frank Act Stress Test Results
/C O R R E C T I O N -- Cullen/Frost Bankers, Inc./
Cullen/Frost Bankers, Inc. Hosts Third Quarter 2017 Earnings Conference Call

Ratios

vs
industry
vs
history
PE Ratio 19.30
CFR's PE Ratio is ranked lower than
64% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.21 vs. CFR: 19.30 )
Ranked among companies with meaningful PE Ratio only.
CFR' s PE Ratio Range Over the Past 10 Years
Min: 10.46  Med: 15.96 Max: 20.4
Current: 19.3
10.46
20.4
Forward PE Ratio 16.92
CFR's Forward PE Ratio is ranked lower than
80% of the 391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.66 vs. CFR: 16.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.30
CFR's PE Ratio without NRI is ranked lower than
64% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.35 vs. CFR: 19.30 )
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: 15.96 Max: 20.4
Current: 19.3
10.46
20.4
Price-to-Owner-Earnings 20.30
CFR's Price-to-Owner-Earnings is ranked lower than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. CFR: 20.30 )
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: 17.39 Max: 238.14
Current: 20.3
8.25
238.14
PB Ratio 2.12
CFR's PB Ratio is ranked lower than
86% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CFR: 2.12 )
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: 2.37
Current: 2.12
1.01
2.37
PS Ratio 5.68
CFR's PS Ratio is ranked lower than
81% of the 1564 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.50 vs. CFR: 5.68 )
Ranked among companies with meaningful PS Ratio only.
CFR' s PS Ratio Range Over the Past 10 Years
Min: 2.64  Med: 4.08 Max: 5.86
Current: 5.68
2.64
5.86
Price-to-Free-Cash-Flow 13.66
CFR's Price-to-Free-Cash-Flow is ranked lower than
58% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.40 vs. CFR: 13.66 )
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: 6.88  Med: 14.8 Max: 65.13
Current: 13.66
6.88
65.13
Price-to-Operating-Cash-Flow 12.80
CFR's Price-to-Operating-Cash-Flow is ranked lower than
59% of the 964 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.32 vs. CFR: 12.80 )
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: 6.52  Med: 12.39 Max: 46.98
Current: 12.8
6.52
46.98
EV-to-EBIT 5.56
CFR's EV-to-EBIT is ranked higher than
82% of the 1223 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.91 vs. CFR: 5.56 )
Ranked among companies with meaningful EV-to-EBIT only.
CFR' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.2  Med: 4.5 Max: 11.9
Current: 5.56
-5.2
11.9
EV-to-EBITDA 5.02
CFR's EV-to-EBITDA is ranked higher than
83% of the 1230 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. CFR: 5.02 )
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 Max: 10.5
Current: 5.02
-4.6
10.5
EV-to-Revenue 1.86
CFR's EV-to-Revenue is ranked higher than
82% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.15 vs. CFR: 1.86 )
Ranked among companies with meaningful EV-to-Revenue only.
CFR' s EV-to-Revenue Range Over the Past 10 Years
Min: -1.7  Med: 1.5 Max: 4.2
Current: 1.86
-1.7
4.2
PEG Ratio 4.50
CFR's PEG Ratio is ranked lower than
81% of the 822 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.54 vs. CFR: 4.50 )
Ranked among companies with meaningful PEG Ratio only.
CFR' s PEG Ratio Range Over the Past 10 Years
Min: 1.45  Med: 4.4 Max: 85.55
Current: 4.5
1.45
85.55
Shiller PE Ratio 25.03
CFR's Shiller PE Ratio is ranked lower than
57% of the 505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.48 vs. CFR: 25.03 )
Ranked among companies with meaningful Shiller PE Ratio only.
CFR' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.46  Med: 17.94 Max: 25.64
Current: 25.03
11.46
25.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.11
CFR's Dividend Yield % is ranked lower than
59% of the 2424 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. CFR: 2.11 )
Ranked among companies with meaningful Dividend Yield % only.
CFR' s Dividend Yield % Range Over the Past 10 Years
Min: 2.06  Med: 3.04 Max: 4.7
Current: 2.11
2.06
4.7
Dividend Payout Ratio 0.41
CFR's Dividend Payout Ratio is ranked higher than
56% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFR: 0.41 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CFR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.49 Max: 0.57
Current: 0.41
0.41
0.57
3-Year Dividend Growth Rate 3.50
CFR's 3-Year Dividend Growth Rate is ranked lower than
64% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CFR: 3.50 )
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: 7.25 Max: 119.7
Current: 3.5
0
119.7
Forward Dividend Yield % 2.14
CFR's Forward Dividend Yield % is ranked lower than
64% of the 2371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. CFR: 2.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.49
CFR's 5-Year Yield-on-Cost % is ranked lower than
62% of the 2780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CFR: 2.49 )
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: 2.42  Med: 3.58 Max: 5.53
Current: 2.49
2.42
5.53

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.70
CFR's Price-to-Tangible-Book is ranked lower than
89% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. CFR: 2.70 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFR' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.33  Med: 2.46 Max: 4.1
Current: 2.7
0.33
4.1
Price-to-Intrinsic-Value-Projected-FCF 1.23
CFR's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
78% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CFR: 1.23 )
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: 0.75  Med: 1.08 Max: 1.86
Current: 1.23
0.75
1.86
Price-to-Median-PS-Value 1.40
CFR's Price-to-Median-PS-Value is ranked lower than
67% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CFR: 1.40 )
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: 1.44
Current: 1.4
0.08
1.44
Price-to-Graham-Number 1.52
CFR's Price-to-Graham-Number is ranked lower than
83% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. CFR: 1.52 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFR' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.69  Med: 1.34 Max: 3.47
Current: 1.52
0.69
3.47
Earnings Yield (Greenblatt) % 17.98
CFR's Earnings Yield (Greenblatt) % is ranked higher than
87% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.69 vs. CFR: 17.98 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CFR' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1749.8  Med: 20.4 Max: 4182.5
Current: 17.98
-1749.8
4182.5
Forward Rate of Return (Yacktman) % 8.21
CFR's Forward Rate of Return (Yacktman) % is ranked lower than
59% of the 1007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.61 vs. CFR: 8.21 )
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: 2  Med: 7.9 Max: 13.9
Current: 8.21
2
13.9

More Statistics

Revenue (TTM) (Mil) $1,202.89
EPS (TTM) $ 5.51
Beta1.63
Short Percentage of Float5.97%
52-Week Range $81.09 - 109.36
Shares Outstanding (Mil)63.68

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 1,340 1,474
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 5.99 6.75
EPS without NRI ($) 5.99 6.75
EPS Growth Rate
(Future 3Y To 5Y Estimate)
12.60%
Dividends per Share ($) 2.34 2.42

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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)

GF Chat

{{numOfNotice}}