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Price (delayed)
$116.55
Market cap
$7.46B
P/E Ratio
14.21
Dividend/share
$2.79
EPS
$8.2
Enterprise value
$4.34B
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 equity has increased by 8% YoY
CFR's P/E is 23% higher than its last 4 quarters average of 11.6 but 2% lower than its 5-year quarterly average of 14.5
Cullen/Frost Bankers's debt has increased by 6% YoY but it has decreased by 4.4% QoQ
Cullen/Frost Bankers's EPS has decreased by 23% YoY and by 3.1% from the previous quarter
The net income has declined by 23% year-on-year and by 3% since the previous quarter
Key stats
What are the main financial stats of CFR
Market
Valuations
Earnings
Shares outstanding
64.02M
Market cap
$7.46B
Enterprise value
$4.34B
Price to earnings (P/E)
14.21
Price to book (P/B)
2.04
Price to sales (P/S)
3.85
EV/EBIT
6.73
EV/EBITDA
5.99
EV/Sales
2.23
Revenue
$1.95B
EBIT
$644.4M
EBITDA
$724.46M
Free cash flow
$635.54M
Per share
Balance sheet
Liquidity
EPS
$8.2
Free cash flow per share
$9.89
Book value per share
$57.05
Revenue per share
$30.29
TBVPS
$760.15
Total assets
$48.84B
Total liabilities
$45.18B
Debt
$4.02B
Equity
$3.67B
Working capital
N/A
Debt to equity
1.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.31
Margins
Efficiency
Dividend
EBITDA margin
37.2%
Gross margin
100%
Net margin
27.7%
Operating margin
33.1%
Return on assets
1.1%
Return on equity
15.2%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
33.1%
Dividend yield
2.39%
DPS
$2.79
Payout ratio
34%
CFR stock price
How has the Cullen/Frost Bankers stock price performed over time
Intraday
2.72%
1 week
7.52%
1 month
7.33%
1 year
28.68%
YTD
7.43%
QTD
4.19%
Financial performance
How have Cullen/Frost Bankers's revenue and profit performed over time
Revenue
$1.95B
Gross profit
$1.95B
Operating income
$644.4M
Net income
$539.39M
Gross margin
100%
Net margin
27.7%
Cullen/Frost Bankers's net margin has decreased by 24% YoY and by 3.8% QoQ
The net income has declined by 23% year-on-year and by 3% since the previous quarter
The company's operating income fell by 22% YoY and by 2.8% QoQ
Cullen/Frost Bankers's operating margin has decreased by 22% YoY and by 3.5% from 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
14.21
P/B
2.04
P/S
3.85
EV/EBIT
6.73
EV/EBITDA
5.99
EV/Sales
2.23
CFR's P/E is 23% higher than its last 4 quarters average of 11.6 but 2% lower than its 5-year quarterly average of 14.5
Cullen/Frost Bankers's EPS has decreased by 23% YoY and by 3.1% from the previous quarter
The stock's price to book (P/B) is 13% more than its 5-year quarterly average of 1.8 and 7% more than its last 4 quarters average of 1.9
Cullen/Frost Bankers's equity has increased by 8% YoY
The price to sales (P/S) is 13% higher than the last 4 quarters average of 3.4 but 13% lower than the 5-year quarterly average of 4.4
Efficiency
How efficient is Cullen/Frost Bankers business performance
The ROE has declined by 30% year-on-year and by 5% since the previous quarter
The ROIC has decreased by 26% YoY and by 7% QoQ
Cullen/Frost Bankers's ROS has decreased by 22% YoY and by 3.5% from the previous quarter
CFR's return on assets is down by 15% year-on-year
Dividends
What is CFR's dividend history
DPS
$2.79
Dividend yield
2.39%
Payout ratio
34%
Recent dividends
Special dividends are included in TTM DPS and yield
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 debt is 10% higher than its equity
Cullen/Frost Bankers's equity has increased by 8% YoY
Cullen/Frost Bankers's debt has increased by 6% YoY but it has decreased by 4.4% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.