CFR Cullen/Frost Bankers Inc

Price (delayed)

$114.43

Market cap

$7.27B

P/E Ratio

18.64

Dividend/share

$2.87

EPS

$6.14

Enterprise value

-$2.37B

Highlights
Cullen/Frost Bankers's EPS has increased by 20% from the previous quarter and by 5% YoY
The net income is up by 18% since the previous quarter and by 2.8% year-on-year
Cullen/Frost Bankers's debt has surged by 54% YoY but it has decreased by 8% QoQ
CFR's gross profit is up by 4.3% from the previous quarter but it is down by 2.5% YoY
CFR's P/E is 26% higher than its last 4 quarters average of 15.0 and 22% higher than its 5-year quarterly average of 15.4

Key stats

What are the main financial stats of CFR
Market
Shares outstanding
63.55M
Market cap
$7.27B
Enterprise value
-$2.37B
Valuations
Price to earnings (P/E)
18.64
Price to book (P/B)
1.69
Price to sales (P/S)
5.77
EV/EBIT
-5.69
EV/EBITDA
-4.91
EV/Sales
-1.89
Earnings
Revenue
$1.25B
EBIT
$417.16M
EBITDA
$482.95M
Free cash flow
$424.58M
Per share
EPS
$6.14
Free cash flow per share
$6.72
Book value per share
$67.57
Revenue per share
$19.82
TBVPS
$686.93
Balance sheet
Total assets
$44.05B
Total liabilities
$39.78B
Debt
$2.16B
Equity
$4.27B
Working capital
N/A
Liquidity
Debt to equity
0.51
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-19.97
Margins
EBITDA margin
38.6%
Gross margin
100%
Net margin
31.3%
Operating margin
33.3%
Efficiency
Return on assets
0.9%
Return on equity
9.4%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
33.3%
Dividend
Dividend yield
2.51%
DPS
$2.87
Payout ratio
46.7%

CFR stock price

How has the Cullen/Frost Bankers stock price performed over time
Intraday
-1.06%
1 week
-3.59%
1 month
-8.02%
1 year
43.36%
YTD
31.18%
QTD
5.21%

Financial performance

How have Cullen/Frost Bankers's revenue and profit performed over time
Revenue
$1.25B
Gross profit
$1.25B
Operating income
$417.16M
Net income
$392.41M
Gross margin
100%
Net margin
31.3%
The company's operating income rose by 19% QoQ but it fell by 2.3% YoY
The net income is up by 18% since the previous quarter and by 2.8% year-on-year
Cullen/Frost Bankers's operating margin has increased by 14% from the previous quarter
Cullen/Frost Bankers's net margin has increased by 13% QoQ and by 5% YoY

Growth

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

Valuation

What is Cullen/Frost Bankers stock price valuation
P/E
18.64
P/B
1.69
P/S
5.77
EV/EBIT
-5.69
EV/EBITDA
-4.91
EV/Sales
-1.89
CFR's P/E is 26% higher than its last 4 quarters average of 15.0 and 22% higher than its 5-year quarterly average of 15.4
Cullen/Frost Bankers's EPS has increased by 20% from the previous quarter and by 5% YoY
The stock's price to book (P/B) is 32% more than its last 4 quarters average of 1.3 and 7% more than its 5-year quarterly average of 1.6
Cullen/Frost Bankers's equity has increased by 12% YoY
The price to sales (P/S) is 36% higher than the last 4 quarters average of 4.3 and 24% higher than the 5-year quarterly average of 4.7
The revenue has grown by 4.3% from the previous quarter but it has contracted by 2.5% YoY

Efficiency

How efficient is Cullen/Frost Bankers business performance
CFR's return on assets is down by 18% year-on-year but it is up by 13% since the previous quarter
The ROE rose by 18% since the previous quarter but it has declined by 2.1% year-on-year
Cullen/Frost Bankers's ROS has increased by 14% from the previous quarter
The ROIC has decreased by 14% YoY but it has increased by 9% QoQ

Dividends

What is CFR's dividend history
DPS
$2.87
Dividend yield
2.51%
Payout ratio
46.7%
Recent dividends

Financial health

How did Cullen/Frost Bankers financials performed over time
Cullen/Frost Bankers's total assets is 11% more than its total liabilities
Cullen/Frost Bankers's total liabilities has increased by 31% YoY and by 4.4% from the previous quarter
Cullen/Frost Bankers's total assets has increased by 29% YoY and by 3.9% from the previous quarter
Cullen/Frost Bankers's debt is 49% lower than its equity
Cullen/Frost Bankers's debt has surged by 54% YoY but it has decreased by 8% QoQ
CFR's debt to equity is up by 38% year-on-year but it is down by 7% since the previous quarter

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