CFR Cullen/Frost Bankers Inc

Price (delayed)

$113.27

Market cap

$7.27B

P/E Ratio

12.43

Dividend/share

$3.63

EPS

$9.11

Enterprise value

$2.95B

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 24% QoQ and by 18% YoY
CFR's gross profit is up by 15% YoY
CFR's P/E is 21% higher than its last 4 quarters average of 10.3 but 14% lower than its 5-year quarterly average of 14.5
Cullen/Frost Bankers's EPS has decreased by 13% from the previous quarter but it has increased by 3.1% YoY

Key stats

What are the main financial stats of CFR
Market
Shares outstanding
64.2M
Market cap
$7.27B
Enterprise value
$2.95B
Valuations
Price to book (P/B)
1.95
Price to sales (P/S)
3.74
EV/EBIT
4.14
EV/EBITDA
3.74
EV/Sales
1.52
Earnings
Revenue
$1.94B
EBIT
$712.37M
EBITDA
$788.82M
Free cash flow
$321.5M
Per share
EPS
$9.11
Free cash flow per share
$5.02
Book value per share
$58.03
Revenue per share
$30.31
TBVPS
$793.87
Balance sheet
Total assets
$50.85B
Total liabilities
$47.13B
Debt
$4.36B
Equity
$3.72B
Working capital
N/A
Liquidity
Debt to equity
1.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.48
Margins
EBITDA margin
40.6%
Gross margin
100%
Net margin
30.8%
Operating margin
36.7%
Efficiency
Return on assets
1.2%
Return on equity
17.4%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
36.7%
Dividend
Dividend yield
3.2%
DPS
$3.63
Payout ratio
39.8%

CFR stock price

How has the Cullen/Frost Bankers stock price performed over time
Intraday
1.54%
1 week
4.88%
1 month
6.42%
1 year
9.29%
YTD
4.41%
QTD
0.62%

Financial performance

How have Cullen/Frost Bankers's revenue and profit performed over time
Revenue
$1.94B
Gross profit
$1.94B
Operating income
$712.37M
Net income
$597.97M
Gross margin
100%
Net margin
30.8%
CFR's gross profit is up by 15% YoY
The revenue has grown by 15% YoY
The net income has declined by 13% since the previous quarter but it is up by 3.3% year-on-year
Cullen/Frost Bankers's net margin has decreased by 12% QoQ and by 10% YoY

Growth

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

Valuation

What is Cullen/Frost Bankers stock price valuation
P/E
12.43
P/B
1.95
P/S
3.74
EV/EBIT
4.14
EV/EBITDA
3.74
EV/Sales
1.52
CFR's P/E is 21% higher than its last 4 quarters average of 10.3 but 14% lower than its 5-year quarterly average of 14.5
Cullen/Frost Bankers's EPS has decreased by 13% from the previous quarter but it has increased by 3.1% YoY
Cullen/Frost Bankers's equity has increased by 24% QoQ and by 18% YoY
The stock's price to book (P/B) is 8% more than its 5-year quarterly average of 1.8 but 2.5% less than its last 4 quarters average of 2.0
The price to sales (P/S) is 17% lower than the 5-year quarterly average of 4.5 but 7% higher than the last 4 quarters average of 3.5
The revenue has grown by 15% YoY

Efficiency

How efficient is Cullen/Frost Bankers business performance
The ROE has declined by 17% since the previous quarter
Cullen/Frost Bankers's ROS has decreased by 12% from the previous quarter and by 7% YoY
The ROIC has decreased by 11% QoQ
CFR's return on assets is up by 9% year-on-year but it is down by 8% since the previous quarter

Dividends

What is CFR's dividend history
DPS
$3.63
Dividend yield
3.2%
Payout ratio
39.8%
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 decreased by 5% YoY but it has increased by 3% from the previous quarter
Cullen/Frost Bankers's total assets has increased by 4.3% from the previous quarter but it has decreased by 3.9% YoY
Cullen/Frost Bankers's debt is 17% higher than its equity
CFR's debt to equity is down by 25% year-on-year and by 11% since the previous quarter
Cullen/Frost Bankers's equity has increased by 24% QoQ and by 18% YoY

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