CFR Cullen/Frost Bankers Inc

  1. Stocks
  2. Financial Services
  3. NYSE: CFR

Price (delayed)

$117.59

Market cap

$7.54B

P/E Ratio

18.04

Dividend/share

$3

EPS

$6.52

Enterprise value

-$4.82B

Cullen/Frost Bankers, Inc. is a financial holding company, headquartered in San Antonio, with $40.1 billion in assets at September 30, 2020. Frost provides a wide range of banking, investments and ...

Highlights
Cullen/Frost Bankers's debt has decreased by 30% QoQ and by 2.7% YoY
CFR's gross profit is up by 11% YoY
CFR's P/E is 15% higher than its 5-year quarterly average of 15.7 but 3.2% lower than its last 4 quarters average of 18.7
The net income is up by 9% year-on-year but it has declined by 3.8% since the previous quarter
Cullen/Frost Bankers's equity has decreased by 15% QoQ and by 12% YoY
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.frostbank.com
Peers: SBSI TCBI IBOC PB

Key stats

What are the main financial stats of CFR
Market
Shares outstanding
64.1M
Market cap
$7.54B
Enterprise value
-$4.82B
Valuations
Price to earnings (P/E)
18.04
Price to book (P/B)
1.99
Price to sales (P/S)
5.42
EV/EBIT
-10.1
EV/EBITDA
-8.81
EV/Sales
-3.47
Earnings
Revenue
$1.39B
EBIT
$477.36M
EBITDA
$547.25M
Free cash flow
$702.99M
Per share
EPS
$6.52
Free cash flow per share
$10.98
Book value per share
$58.98
Revenue per share
$21.68
TBVPS
$790.96
Balance sheet
Total assets
$51.3B
Total liabilities
$47.52B
Debt
$2.1B
Equity
$3.78B
Working capital
N/A
Liquidity
Debt to equity
0.56
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-22.58
Margins
EBITDA margin
39.4%
Gross margin
100%
Net margin
30.7%
Operating margin
34.4%
Efficiency
Return on assets
0.9%
Return on equity
9.9%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
34.4%
Dividend
Dividend yield
2.55%
DPS
$3
Payout ratio
46%

CFR stock price

How has the Cullen/Frost Bankers stock price performed over time
Intraday
-0.39%
1 week
-0.75%
1 month
-6.33%
1 year
5.45%
YTD
-6.73%
QTD
-15.04%

Financial performance

How have Cullen/Frost Bankers's revenue and profit performed over time
Revenue
$1.39B
Gross profit
$1.39B
Operating income
$477.36M
Net income
$426.17M
Gross margin
100%
Net margin
30.7%
The company's operating income rose by 14% YoY but it fell by 2.5% QoQ
CFR's gross profit is up by 11% YoY
The revenue has grown by 11% YoY
The net income is up by 9% year-on-year but it has declined by 3.8% since the previous quarter

Growth

What is Cullen/Frost Bankers's growth rate over time

Valuation

What is Cullen/Frost Bankers stock price valuation
P/E
18.04
P/B
1.99
P/S
5.42
EV/EBIT
-10.1
EV/EBITDA
-8.81
EV/Sales
-3.47
CFR's P/E is 15% higher than its 5-year quarterly average of 15.7 but 3.2% lower than its last 4 quarters average of 18.7
Cullen/Frost Bankers's EPS has increased by 6% YoY but it has decreased by 4% from the previous quarter
The stock's price to book (P/B) is 18% more than its 5-year quarterly average of 1.7 and 5% more than its last 4 quarters average of 1.9
Cullen/Frost Bankers's equity has decreased by 15% QoQ and by 12% YoY
The price to sales (P/S) is 11% higher than the 5-year quarterly average of 4.9 but 6% lower than the last 4 quarters average of 5.8
The revenue has grown by 11% YoY

Efficiency

How efficient is Cullen/Frost Bankers business performance
The ROIC has increased by 8% YoY but it has decreased by 7% QoQ
The ROE rose by 5% year-on-year
Cullen/Frost Bankers's ROS has decreased by 3.6% from the previous quarter but it has increased by 3.3% YoY

Dividends

What is CFR's dividend history
Dividend details
DPS
$3
Dividend yield
2.55%
Payout ratio
46%
Recent dividends

Financial health

How did Cullen/Frost Bankers financials performed over time
Cullen/Frost Bankers's total assets is 8% more than its total liabilities
Cullen/Frost Bankers's total liabilities has increased by 19% YoY and by 2.3% from the previous quarter
Cullen/Frost Bankers's total assets has increased by 16% YoY
Cullen/Frost Bankers's debt is 44% lower than its equity
Cullen/Frost Bankers's debt has decreased by 30% QoQ and by 2.7% YoY
CFR's debt to equity is down by 16% since the previous quarter but it is up by 10% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.