CFR Cullen/Frost Bankers Inc

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

Price (delayed)

$106.91

Market cap

$6.88B

P/E Ratio

10.64

Dividend/share

$3.48

EPS

$10.05

Enterprise value

$2.1B

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
The net income has surged by 54% year-on-year and by 14% since the previous quarter
Cullen/Frost Bankers's EPS has soared by 54% YoY and by 14% from the previous quarter
Cullen/Frost Bankers's debt has surged by 115% YoY but it has decreased by 8% QoQ
Cullen/Frost Bankers's equity has increased by 11% QoQ but it has decreased by 8% YoY
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.frostbank.com
Peers: SBSI TCBI IBOC PB

Key stats

What are the main financial stats of CFR
Market
Shares outstanding
64.4M
Market cap
$6.88B
Enterprise value
$2.1B
Valuations
Price to earnings (P/E)
10.64
Price to book (P/B)
1.98
Price to sales (P/S)
3.74
EV/EBIT
2.74
EV/EBITDA
2.5
EV/Sales
1.14
Earnings
Revenue
$1.84B
EBIT
$767.94M
EBITDA
$840.2M
Free cash flow
$423.11M
Per share
EPS
$10.05
Free cash flow per share
$6.57
Book value per share
$53.88
Revenue per share
$28.57
TBVPS
$786.05
Balance sheet
Total assets
$51.25B
Total liabilities
$47.78B
Debt
$4.52B
Equity
$3.47B
Working capital
N/A
Liquidity
Debt to equity
1.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.69
Margins
EBITDA margin
45.7%
Gross margin
100%
Net margin
35.8%
Operating margin
41.8%
Efficiency
Return on assets
1.2%
Return on equity
20.4%
Return on invested capital
1.8%
Return on capital employed
N/A
Return on sales
41.8%
Dividend
Dividend yield
3.26%
DPS
$3.48
Payout ratio
34.6%

CFR stock price

How has the Cullen/Frost Bankers stock price performed over time
Intraday
4.58%
1 week
1.57%
1 month
4.93%
1 year
-17.06%
YTD
-20.04%
QTD
1.49%

Financial performance

How have Cullen/Frost Bankers's revenue and profit performed over time
Revenue
$1.84B
Gross profit
$1.84B
Operating income
$767.94M
Net income
$657.7M
Gross margin
100%
Net margin
35.8%
The company's operating income has surged by 61% YoY and by 15% QoQ
The net income has surged by 54% year-on-year and by 14% since the previous quarter
CFR's gross profit is up by 32% YoY and by 9% from the previous quarter
The revenue has grown by 32% YoY and by 9% 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
10.64
P/B
1.98
P/S
3.74
EV/EBIT
2.74
EV/EBITDA
2.5
EV/Sales
1.14
Cullen/Frost Bankers's EPS has soared by 54% YoY and by 14% from the previous quarter
CFR's P/E is 30% lower than its last 4 quarters average of 15.3 and 30% lower than its 5-year quarterly average of 15.2
The stock's price to book (P/B) is 21% less than its last 4 quarters average of 2.5 but 10% more than its 5-year quarterly average of 1.8
Cullen/Frost Bankers's equity has increased by 11% QoQ but it has decreased by 8% YoY
The revenue has grown by 32% YoY and by 9% from the previous quarter
The price to sales (P/S) is 24% lower than the last 4 quarters average of 4.9 and 22% lower than the 5-year quarterly average of 4.8

Efficiency

How efficient is Cullen/Frost Bankers business performance
The ROE has soared by 106% year-on-year and by 17% since the previous quarter
The ROIC has increased by 38% YoY and by 13% QoQ
CFR's return on assets is up by 33% year-on-year and by 9% since the previous quarter
Cullen/Frost Bankers's ROS has increased by 22% YoY and by 6% from the previous quarter

Dividends

What is CFR's dividend history
Dividend details
DPS
$3.48
Dividend yield
3.26%
Payout ratio
34.6%
Recent dividends

Financial health

How did Cullen/Frost Bankers financials performed over time
Cullen/Frost Bankers's total assets is 7% more than its total liabilities
Cullen/Frost Bankers's total liabilities has decreased by 4% from the previous quarter
Cullen/Frost Bankers's total assets has decreased by 3.1% from the previous quarter
Cullen/Frost Bankers's debt is 30% higher than its equity
CFR's debt to equity has surged by 132% year-on-year but it is down by 17% since the previous quarter
Cullen/Frost Bankers's debt has surged by 115% YoY but it has decreased by 8% QoQ

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