CFR

New York Stock Exchange

Cullen/Frost Bankers, Inc. · Financial Services · Banks

Earnings call summary →

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Highlights

Market Cap

$8.46B

PE Ratio

14.6161

EV to Ebitda

—

Earnings Yield

6.84%

Revenue (TTM)

$2.91B

Net Income (TTM)

$642.2M

Revenue (Annual YoY Growth)

2.42%

Revenue (Quarterly YoY Growth)

2.92%

Profit Margin

22.05%

Return on Equity

15.11%

Debt to Equity Ratio

1.1222

Dividend Yield

3.10%

All fundamentals

Core11 fields›

Market Cap$8.46B

Revenue TTM$2.91B

Shares Outstanding63.2M

Float59395323

Float Short3.39%

Days To Cover4.3279549311

Short Interest2102820.0

Insider Ownership5.14%

Volume232491

Relative Strength48.7

GARP1604

Growth Estimates18 fields›

Revenue Growth (Annual)2.42%

Revenue Growth (Quarterly YoY)2.92%

Operating Revenue Growth (Annual)0.137288

Operating Revenue Growth (Quarterly YoY)0.27028

3-Year Revenue Growth15.78%

5-Year Revenue Growth14.57%

EPS Growth (Annual)11.84%

EPS Growth (Quarterly YoY)8.37%

3-Year EPS Growth Rate4.08%

5-Year EPS Growth Rate14.28%

LT EPS Growth Estimates3.54%

EBITDA Growth (Annual)-1.32%

CFO Growth (Annual)-72.04%

CFO Growth (Quarterly YoY)170.46%

FCF Growth (Annual)-84.86%

FCF Growth (Quarterly YoY)370.29%

Dividend Growth (Annual)5.62%

Dividend Growth (Quarterly YoY)5.26%

Operations23 fields›

Revenue TTM$2.91B

Gross Margin TTM0.00%

Gross Margin (Quarterly)0.00%

Operating Margin TTM26.50%

Operating Margin (Quarterly)26.65%

Operating Expenses TTM$-771.7M

Profit Margin TTM22.05%

Profit Margin (Quarterly)22.15%

Net Income TTM$642.2M

EPS TTM9.9158

EPS (Quarterly)2.561

EBIT Margin TTM50.01%

EBIT Margin (Quarterly)48.84%

CFO % of Revenue TTM9.54%

CFO % of Revenue (Quarterly)24.51%

CFO TTM$277.7M

Cash Margin13.92%

Capex % of Revenue TTM5.04%

Capital Expenditures$146.7M

FCF % of Revenue TTM4.50%

FCF % of Revenue (Quarterly)18.79%

FCF TTM$131.0M

Fundamental Score7

Efficiency6 fields›

ROE15.11%

ROA1.23%

ROIC6.92%

CROCI1.41%

Stock Comp % (Quarterly)1.56%

Stock Comp % TTM0.85%

Valuation18 fields›

P/E (TTM)14.6161

P/E Forward14.0709

P/S Forward3.782

PEG1.2323

PEG Forward3.613

P/CFO33.4574

P/FCF70.9062

EV/Revenues (TTM)4.9579

EV/Revenues Forward5.9608

EV/CFO47.8667

EV/FCF (TTM)110.189

Price To Book2.0688

Price to Tangible Book2.5286

Earnings Yield6.84%

FCF Yield1.41%

Dividend Yield3.10%

Payout Ratio39.05%

Value Score8

Relative to Industry11 fields›

Relative Gross Margin (Quarterly)0

Relative Profit Margin (Quarterly)1.4667

Relative P/E1.525

Relative P/S1.8741

Relative P/B1.6791

Relative Earnings Yield0.6557

Relative Dividend Yield0.4745

Relative ROE1.1298

Relative ROA1.291

Relative ROIC1.4073

Relative Debt to Equity0.7434

Liquidity12 fields›

Current Ratio0.248

Total Debt$549.3M

Goodwill & Intangibles$0.00M

Total Assets$53.04B

Total Liabilities$48.47B

Shareholders Equity$4.43B

Debt to Equity1.1222

Debt to Assets9.68%

Interest Expense$12.3M

Times Interest Earned117.9572

CFO to Debt (TTM)0.0552

Goodwill % of Assets0.00%

Yields5 fields›

Dividend Yield3.10%

Payout Ratio39.05%

Earnings Yield6.84%

Buyback Yield1.59%

Shareholder Yield3.54%

Options Flow8 fields›

Call Volume13

Put Volume16

Put/Call Ratio1.2307692307692308

Call $ Volume2331

Put $ Volume2696

Put/Call $ Ratio1.1565851565851566

Call OI1679

Put OI189