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Price (delayed)
$132.87
Market cap
$8.52B
P/E Ratio
16.49
Dividend/share
$3.74
EPS
$8.06
Enterprise value
$3.58B
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 38% YoY and by 13% QoQ
CFR's P/E is 28% higher than its last 4 quarters average of 12.9 and 14% higher than its 5-year quarterly average of 14.5
The net income has declined by 23% year-on-year
Key stats
What are the main financial stats of CFR
Market
Valuations
Earnings
Shares outstanding
64.13M
Market cap
$8.52B
Enterprise value
$3.58B
Price to earnings (P/E)
16.49
Price to book (P/B)
2.06
Price to sales (P/S)
4.33
EV/EBIT
5.66
EV/EBITDA
5.02
EV/Sales
1.82
Revenue
$1.96B
Gross profit
$1.96B
Net income
$530.24M
EBIT
$632.65M
EBITDA
$714.25M
Free cash flow
$711.55M
Per share
Balance sheet
Liquidity
EPS
$8.06
EPS diluted
$8.07
Free cash flow per share
$11.11
Book value per share
$64.59
Revenue per share
$30.68
TBVPS
$796.74
Total assets
$51.01B
Total liabilities
$46.87B
Debt
$4.26B
Equity
$4.14B
Working capital
N/A
Debt to equity
1.03
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.92
Margins
Efficiency
Dividend
EBITDA margin
36.4%
Gross margin
100%
Net margin
27%
Operating margin
32.2%
Return on assets
1%
Return on equity
13.8%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
32.2%
Dividend yield
2.81%
DPS
$3.74
Payout ratio
46.4%
CFR stock price
How has the Cullen/Frost Bankers stock price performed over time
Intraday
1.21%
1 week
-3.58%
1 month
-3.57%
1 year
26.04%
YTD
22.47%
QTD
18.78%
Financial performance
How have Cullen/Frost Bankers's revenue and profit performed over time
Revenue
$1.96B
Gross profit
$1.96B
Operating income
$632.65M
Net income
$530.24M
Gross margin
100%
Net margin
27%
The net income has declined by 23% year-on-year
Cullen/Frost Bankers's net margin has decreased by 23% YoY and by 2.5% QoQ
The company's operating income fell by 22% YoY
Cullen/Frost Bankers's operating margin has decreased by 22% YoY and by 2.7% 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
16.49
P/B
2.06
P/S
4.33
EV/EBIT
5.66
EV/EBITDA
5.02
EV/Sales
1.82
CFR's P/E is 28% higher than its last 4 quarters average of 12.9 and 14% higher than its 5-year quarterly average of 14.5
Cullen/Frost Bankers's EPS has decreased by 23% YoY
Cullen/Frost Bankers's equity has increased by 38% YoY and by 13% QoQ
The stock's price to book (P/B) is 14% more than its 5-year quarterly average of 1.8 and 14% more than its last 4 quarters average of 1.8
The price to sales (P/S) is 20% higher than the last 4 quarters average of 3.6
Efficiency
How efficient is Cullen/Frost Bankers business performance
The ROE has declined by 34% year-on-year and by 9% since the previous quarter
CFR's return on assets is down by 23% year-on-year and by 9% since the previous quarter
The ROIC has decreased by 22% YoY
Cullen/Frost Bankers's ROS has decreased by 22% YoY and by 2.7% from the previous quarter
Dividends
What is CFR's dividend history
DPS
$3.74
Dividend yield
2.81%
Payout ratio
46.4%
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 9% more than its total liabilities
Cullen/Frost Bankers's total assets has increased by 4.6% YoY and by 4.4% from the previous quarter
Cullen/Frost Bankers's total liabilities has increased by 3.8% from the previous quarter and by 2.5% YoY
Cullen/Frost Bankers's debt is 3% higher than its equity
Cullen/Frost Bankers's equity has increased by 38% YoY and by 13% QoQ
CFR's debt to equity is down by 22% year-on-year and by 6% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.