CFR Cullen/Frost Bankers Inc

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

Price (delayed)

$119.74

Market cap

$7.67B

P/E Ratio

14.6

Dividend/share

$3.68

EPS

$8.2

Enterprise value

$4.54B

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
Cullen/Frost Bankers's debt has increased by 6% YoY but it has decreased by 4.4% QoQ
CFR's P/E is 24% higher than its last 4 quarters average of 11.6
Cullen/Frost Bankers's EPS has decreased by 23% YoY and by 3.1% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.frostbank.com
Peers: SBSI TCBI IBOC FFIN

Key stats

What are the main financial stats of CFR
Market
Shares outstanding
64.02M
Market cap
$7.67B
Enterprise value
$4.54B
Valuations
Price to earnings (P/E)
14.6
Price to book (P/B)
2.1
Price to sales (P/S)
3.95
EV/EBIT
7.05
EV/EBITDA
6.27
EV/Sales
2.33
Earnings
Revenue
$1.95B
EBIT
$644.4M
EBITDA
$724.46M
Free cash flow
$635.54M
Per share
EPS
$8.2
Free cash flow per share
$9.89
Book value per share
$57.05
Revenue per share
$30.29
TBVPS
$760.15
Balance sheet
Total assets
$48.84B
Total liabilities
$45.18B
Debt
$4.02B
Equity
$3.67B
Working capital
N/A
Liquidity
Debt to equity
1.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.31
Margins
EBITDA margin
37.2%
Gross margin
100%
Net margin
27.7%
Operating margin
33.1%
Efficiency
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
Dividend yield
3.07%
DPS
$3.68
Payout ratio
44.9%

CFR stock price

How has the Cullen/Frost Bankers stock price performed over time
Intraday
1.72%
1 week
5.33%
1 month
20.89%
1 year
3.23%
YTD
10.37%
QTD
17.82%

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
CFR P/E details
P/E
14.6
P/B
2.1
P/S
3.95
EV/EBIT
7.05
EV/EBITDA
6.27
EV/Sales
2.33
CFR's P/E is 24% higher than its last 4 quarters average of 11.6
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 14% more than its 5-year quarterly average of 1.8 and 8% 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 14% higher than the last 4 quarters average of 3.4 but 12% 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
Dividend details
DPS
$3.68
Dividend yield
3.07%
Payout ratio
44.9%
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 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.