NYSE:CFR (USA) Also trade in: Germany

Cullen/Frost Bankers Inc

$ 96.49 1.19 (1.25%)
Volume: 200,438 Avg Vol (1m): 257,811
Market Cap $: 6.09 Bil Enterprise Value $: -7,503,290,000.00
P/E (TTM): 13.65 P/B: 1.79
Earnings Power Value 200.84
Net Current Asset Value 0
Tangible Book 43.72
Projected FCF 98.17
Median P/S Value 86.33
Graham Number 83.4
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 8.33
Cash-To-Debt ranked higher than
78.79% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
CFR: 8.33
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 1.14, Med: 12.61, Max: 10000
Current: 8.33
1.14
10000
Equity-to-Asset 0.11
Equity-to-Asset ranked lower than
53.17% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
CFR: 0.11
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.05, Med: 0.08, Max: 0.12
Current: 0.11
0.05
0.12
Debt-to-Equity 0.07
Debt-to-Equity ranked higher than
94.69% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
CFR: 0.07
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.01, Med: 0.18, Max: 0.51
Current: 0.07
0.01
0.51
Debt-to-EBITDA 0.18
Debt-to-EBITDA ranked higher than
93.79% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
CFR: 0.18
Ranked among companies with meaningful Debt-to-EBITDA only.
N/A
Beneish M-Score -2.43
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 10.3%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 34.92
Net Margin ranked higher than
78.04% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
CFR: 34.92
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 21.56, Med: 26.43, Max: 34.75
Current: 34.92
21.56
34.75
ROE % 13.50
ROE ranked higher than
76.13% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
CFR: 13.5
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 9.34, Med: 10.02, Max: 13.31
Current: 13.5
9.34
13.31
ROA % 1.48
ROA ranked higher than
74.16% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
CFR: 1.48
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.98, Med: 1.12, Max: 1.42
Current: 1.48
0.98
1.42
3-Year Total Revenue Growth Rate 7.10
3-Year Revenue Growth Rate ranked higher than
60.41% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
CFR: 6.4
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 0.8, Med: 5.7, Max: 12
Current: 6.4
0.8
12
3-Year EPS w/o NRI Growth Rate 17.30
3-Year EPS w/o NRI Growth Rate ranked higher than
76.09% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
CFR: 17.3
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 8.8, Max: 336.7
Current: 17.3
0
336.7

» CFR's 30-Y Financials

Financials (Next Earnings Date: 2019-07-26)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6021
Compare NAS:PBCT NAS:SBNY NAS:BOKF NAS:CBSH NYSE:SNV NAS:BPOP NAS:FCNCA NYSE:CIT NAS:TFSL NYSE:PB XPTY:BGFG NYSE:WAL NAS:PACW XPTY:EGIN NYSE:FHN NYSE:WBS NYSE:STL NAS:PNFP NAS:IBKC NAS:FFIN
Traded in other countries CFZ.Germany
Address 100 West Houston Street, San Antonio, TX, USA, 78205
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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 13.65
PE Ratio ranked lower than
68.72% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
CFR: 13.65
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 10.44, Med: 16.23, Max: 20.4
Current: 13.65
10.44
20.4
Forward PE Ratio 13.87
Forward P/E ranked lower than
83.37% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
CFR: 13.87
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 13.65
PE without NRI ranked lower than
68.21% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
CFR: 13.65
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 10.44, Med: 16.23, Max: 20.4
Current: 13.65
10.44
20.4
Price-to-Owner-Earnings 21.32
Price-to-Owner-Earnings ranked lower than
71.79% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
CFR: 21.32
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 8.25, Med: 17.8, Max: 238.14
Current: 21.32
8.25
238.14
PB Ratio 1.79
PB Ratio ranked lower than
88.92% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
CFR: 1.79
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.01, Med: 1.69, Max: 2.45
Current: 1.79
1.01
2.45
PS Ratio 4.67
PS Ratio ranked lower than
83.93% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
CFR: 4.67
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 2.64, Med: 4.18, Max: 6.24
Current: 4.67
2.64
6.24
Price-to-Free-Cash-Flow 15.90
Price-to-Free-Cash-Flow ranked lower than
69.27% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
CFR: 15.9
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 6.88, Med: 14.45, Max: 65.13
Current: 15.9
6.88
65.13
Price-to-Operating-Cash-Flow 12.49
Price-to-Operating-Cash-Flow ranked lower than
65.19% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
CFR: 12.49
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 6.52, Med: 12.17, Max: 46.98
Current: 12.49
6.52
46.98
EV-to-Revenue -5.64
EV-to-Revenue ranked higher than
62.34% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
CFR: -5.64
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -9, Med: -5.6, Max: 3.9
Current: -5.64
-9
3.9
Shiller PE Ratio 20.18
Shiller PE Ratio ranked lower than
68.30% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
CFR: 20.18
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 11.49, Med: 17.99, Max: 27.15
Current: 20.18
11.49
27.15

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.78
Trailing Dividend Yield ranked lower than
61.23% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
CFR: 2.78
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.92, Med: 3.02, Max: 4.7
Current: 2.78
1.92
4.7
Dividend Payout Ratio 0.38
Dividend Payout Ratio ranked lower than
57.68% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
CFR: 0.38
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.37, Med: 0.49, Max: 0.57
Current: 0.38
0.37
0.57
3-Year Dividend Growth Rate (Per Share) 7.10
3-Year Dividend Growth Rate ranked higher than
55.00% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
CFR: 7.1
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 7.2, Max: 119.7
Current: 7.1
0
119.7
Forward Dividend Yield % 2.94
Forward Dividend Yield ranked lower than
62.67% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
CFR: 2.94
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 3.50
Yield-on-Cost (5y) ranked lower than
56.81% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
CFR: 3.5
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 2.43, Med: 3.82, Max: 5.94
Current: 3.5
2.43
5.94
3-Year Share Buyback Rate -0.50
3-Year Share Buyback Rate ranked higher than
64.47% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
CFR: -0.5
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -5.7, Med: -1, Max: 1
Current: -0.5
-5.7
1

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 2.21
Price-to-Tangible-Book ranked lower than
90.77% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
CFR: 2.21
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.33, Med: 2.4, Max: 4.19
Current: 2.21
0.33
4.19
Price-to-Projected-FCF 0.98
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
78.71% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
CFR: 0.98
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.71, Med: 1.12, Max: 1.94
Current: 0.98
0.71
1.94
Price-to-Median-PS-Value 1.12
Price-to-Median-PS-Value ranked lower than
71.39% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
CFR: 1.12
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.08, Med: 0.88, Max: 1.33
Current: 1.12
0.08
1.33
Price-to-Graham-Number 1.15
Price-to-Graham-Number ranked lower than
82.32% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
CFR: 1.15
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.69, Med: 1.33, Max: 2.46
Current: 1.15
0.69
2.46

More Statistics

Revenue (TTM) (Mil) $ 1,331.24
EPS (TTM) $ 7.07
Beta 1.17
Volatility % 23.19
52-Week Range $ 81.87 - 118.89
Shares Outstanding (Mil) 63.09

Analyst Estimate

Piotroski F-Score Details