CFR Cullen/Frost Bankers Inc
Price (delayed)
$113.4
Market cap
$7.28B
P/E Ratio
12.77
Dividend/share
$3.77
EPS
$8.88
Enterprise value
$1.64B
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
CFR's P/E is 16% lower than its 5-year quarterly average of 14.8 and 9% lower than its last 4 quarters average of 13.7
CFR's gross profit is up by 3% YoY
The net income is up by 10% since the previous quarter but it has declined by 2.6% year-on-year
Cullen/Frost Bankers's EPS has increased by 10% from the previous quarter but it has decreased by 2.5% YoY
Cullen/Frost Bankers's debt has increased by 8% QoQ and by 5% YoY
Key stats
What are the main financial stats of CFR
Market
Valuations
Earnings
Shares outstanding
64.24M
Market cap
$7.28B
Enterprise value
$1.64B
Price to earnings (P/E)
12.77
Price to book (P/B)
1.87
Price to sales (P/S)
3.64
EV/EBIT
2.35
EV/EBITDA
2.1
EV/Sales
0.82
Revenue
$2B
Gross profit
$2B
Operating income
$695.97M
Net income
$582.54M
EBIT
$695.97M
EBITDA
$778.78M
Free cash flow
$861.78M
Per share
Balance sheet
Liquidity
EPS
$8.88
EPS diluted
$8.87
Free cash flow per share
$13.44
Book value per share
$60.79
Revenue per share
$31.17
TBVPS
$818.94
Total assets
$52.52B
Total liabilities
$48.62B
Debt
$4.59B
Equity
$3.9B
Working capital
N/A
Debt to equity
1.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.25
Margins
Efficiency
Dividend
EBITDA margin
39%
Gross margin
100%
Net margin
29.1%
Operating margin
34.8%
Return on assets
1.1%
Return on equity
15%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
34.8%
Dividend yield
3.32%
DPS
$3.77
Payout ratio
42.5%
CFR stock price
How has the Cullen/Frost Bankers stock price performed over time
Intraday
2.49%
1 week
1.44%
1 month
-7.5%
1 year
0.11%
YTD
-15.53%
QTD
-9.42%
Financial performance
How have Cullen/Frost Bankers's revenue and profit performed over time
Revenue
$2B
Gross profit
$2B
Operating income
$695.97M
Net income
$582.54M
Gross margin
100%
Net margin
29.1%
The company's operating income rose by 10% QoQ but it fell by 2.3% YoY
The net income is up by 10% since the previous quarter but it has declined by 2.6% year-on-year
Cullen/Frost Bankers's operating margin has increased by 8% from the previous quarter but it has decreased by 5% YoY
Cullen/Frost Bankers's net margin has increased by 8% QoQ but it has decreased by 6% YoY
Growth
What is Cullen/Frost Bankers's growth rate over time
Valuation
What is Cullen/Frost Bankers stock price valuation
P/E
12.77
P/B
1.87
P/S
3.64
EV/EBIT
2.35
EV/EBITDA
2.1
EV/Sales
0.82
CFR's P/E is 16% lower than its 5-year quarterly average of 14.8 and 9% lower than its last 4 quarters average of 13.7
Cullen/Frost Bankers's EPS has increased by 10% from the previous quarter but it has decreased by 2.5% YoY
Cullen/Frost Bankers's equity has decreased by 6% QoQ but it has increased by 4.9% YoY
The stock's price to book (P/B) is 4.2% less than its 5-year quarterly average of 1.9 and 4.2% less than its last 4 quarters average of 1.9
The price to sales (P/S) is 21% lower than the 5-year quarterly average of 4.5 and 7% lower than the last 4 quarters average of 3.8
The revenue has grown by 3% YoY
Efficiency
How efficient is Cullen/Frost Bankers business performance
The ROE has declined by 14% year-on-year but it rose by 9% since the previous quarter
CFR's return on assets is up by 10% since the previous quarter but it is down by 8% year-on-year
Cullen/Frost Bankers's ROS has increased by 8% from the previous quarter but it has decreased by 5% YoY
The ROIC has increased by 7% QoQ but it has decreased by 6% YoY
Dividends
What is CFR's dividend history
DPS
$3.77
Dividend yield
3.32%
Payout ratio
42.5%
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 total liabilities has increased by 3.7% from the previous quarter and by 3.2% YoY
Cullen/Frost Bankers's total assets has increased by 3.3% YoY and by 3% from the previous quarter
Cullen/Frost Bankers's debt is 18% higher than its equity
CFR's debt to equity is up by 15% since the previous quarter
Cullen/Frost Bankers's debt has increased by 8% QoQ and by 5% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.