Cullen/Frost Bankers, Inc. CFR
157.42
1.21
0.77%
as of 25 Sep
- Market cap
- $9.7B
- P/E
- 14.9×
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Growth Flags
show if company had growth for consecutive years
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.46 | 17.06 | 12.62 | 14.21 | 17.07 | 18.57 | 14.70 | 11.96 | 15.12 | 12.77 |
P/S ratio |
4.78 | 4.93 | 3.99 | 4.10 | 3.68 | 5.75 | 4.44 | 2.64 | 3.02 | 2.78 |
P/FCF ratio |
12.29 | 11.93 | 11.28 | 14.09 | 12.58 | 13.60 | 13.47 | 21.76 | 9.99 | 63.23 |
P/Operating CF |
52.94 | 33.21 | 54.81 | 125.47 | 111.34 | 83.82 | 45.74 | (84.27) | 133.87 | 44.88 |
P/B ratio |
1.91 | 1.92 | 1.74 | 1.63 | 1.32 | 1.87 | 2.79 | 1.96 | 2.29 | 1.83 |
Price to Tangible BV |
2.48 | 2.43 | 2.18 | 1.97 | 1.57 | 2.20 | 3.58 | 2.40 | 2.78 | 2.15 |
EV/Sales |
1.34 | 1.00 | 1.32 | 1.71 | (3.10) | (6.00) | (1.85) | (0.57) | (0.50) | (0.20) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
3.48 | 2.28 | 3.30 | 4.03 | (8.79) | (12.91) | (4.81) | (3.14) | (1.45) | (2.11) |
EV/FCF |
3.44 | 2.41 | 3.74 | 5.87 | (10.59) | (14.19) | (5.61) | (4.67) | (1.67) | (4.50) |
Quick Ratio |
0.15 | 0.18 | 0.14 | 0.13 | 0.27 | 0.36 | 0.24 | 0.19 | 0.21 | 0.18 |
Current Ratio |
0.61 | 0.65 | 0.64 | 0.63 | 0.74 | 0.72 | 0.62 | 0.63 | 0.68 | 0.67 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.78% | 0.74% | 0.73% | 0.69% | 0.56% | 0.44% | 0.42% | 0.44% | 0.42% | 0.42% |
Debt/Equity |
0.08 | 0.07 | 0.07 | 0.06 | 0.05 | 0.05 | 0.07 | 0.06 | 0.06 | 0.05 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
1.48 | 1.52 | 1.26 | 1.46 | 1.62 | 1.50 | 1.27 | 0.82 | 1.74 | 0.43 |
Capex/Depreciation |
0.05 | (0.21) | (0.44) | (1.17) | (0.48) | (0.31) | (0.61) | (1.12) | (1.00) | (1.14) |
| 10.53% | 11.78% | 14.01% | 12.46% | 8.18% | 10.24% | 15.57% | 17.83% | 15.55% | 15.54% | |
| 1.00% | 1.14% | 1.40% | 1.31% | 0.85% | 0.93% | 1.09% | 1.13% | 1.10% | 1.20% | |
ROIC |
0.00% | 0.00% | 0.00% | 93.36% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
(2.93%) | (3.84%) | (4.59%) | (4.36%) | (3.72%) | (3.64%) | (3.24%) | (3.60%) | (3.94%) | (4.35%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
68.73% | 64.49% | 56.98% | 57.91% | 73.27% | 63.21% | 54.63% | 48.17% | 48.00% | 50.12% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.04% | 1.06% | 0.99% | 1.06% | 0.94% | 0.91% | 0.97% | 0.93% | 0.69% | 0.85% |
Graham Net Nets |
(1.99) | (1.65) | (1.88) | (1.83) | (1.82) | (1.64) | (2.26) | (2.53) | (1.85) | (1.99) |
Graham Number |
69.83 | 78.84 | 89.09 | 96.41 | 87.19 | 101.55 | 96.42 | 106.77 | 108.14 | 124.21 |
Earnings Yield |
5.42% | 5.86% | 7.93% | 7.04% | 5.86% | 5.39% | 6.80% | 8.36% | 6.61% | 7.83% |
Free Cash Flow Yield |
8.13% | 8.38% | 8.87% | 7.10% | 7.95% | 7.35% | 7.42% | 4.60% | 10.01% | 1.58% |
Revenue per Share |
18.25 | 19.30 | 22.02 | 23.87 | 23.70 | 21.94 | 29.31 | 41.22 | 44.44 | 45.58 |
Operating CF per Share |
7.02 | 8.45 | 8.83 | 10.11 | 8.36 | 10.19 | 11.26 | 7.46 | 15.43 | 4.28 |
Capex per Share |
0.08 | (0.46) | (1.03) | (3.17) | (1.43) | (0.92) | (1.60) | (2.45) | (1.99) | (2.27) |
Free Cash Flow per Share |
7.10 | 7.98 | 7.80 | 6.94 | 6.93 | 9.27 | 9.67 | 5.01 | 13.44 | 2.00 |
Cash per Share |
66.66 | 79.66 | 62.47 | 60.76 | 164.42 | 261.08 | 187.92 | 135.80 | 160.14 | 139.13 |
Shareholders Equity per Share |
48.14 | 51.78 | 52.88 | 62.35 | 68.44 | 69.79 | 48.90 | 57.89 | 60.80 | 71.39 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
48.14 | 51.78 | 52.88 | 62.35 | 68.44 | 69.79 | 48.90 | 57.89 | 60.80 | 71.39 |
Free Cash Flow |
442.97 | 508.52 | 496.75 | 435.41 | 434.81 | 589.49 | 620.14 | 321.50 | 861.78 | 128.29 |
Working Capital |
(10,580.52) | (9,749.97) | (10,283.92) | (11,009.30) | (9,746.92) | (12,908.34) | (18,625.75) | (17,448.76) | (15,701.36) | (15,918.92) |
Capital Expenditures |
5.13 | (29.56) | (65.64) | (198.68) | (89.43) | (58.81) | (102.44) | (157.35) | (127.75) | (145.69) |
Net Current Asset Value |
(10,816.64) | (9,984.71) | (10,518.87) | (11,244.46) | (9,982.30) | (13,130.53) | (18,848.16) | (17,671.38) | (15,924.19) | (16,141.97) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.02 | 0.05 | 0.13 | 0.06 | 0.04 | 0.05 | 0.06 | 0.04 | 0.05 |
Net Profit Margin |
25.92% | 28.80% | 31.86% | 29.08% | 21.77% | 30.96% | 30.17% | 22.11% | 19.99% | 21.76% |
Price to Operating Income |
15.95 | 14.85 | 11.01 | 12.28 | 15.57 | 16.40 | 12.44 | 9.82 | 12.37 | 10.51 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.21 | 0.26 | 0.27 | 0.17 | 0.18 | 0.18 | 0.15 | 0.12 | 0.10 | 0.10 |
Cash ROIC |
(1.19%) | 0.20% | 0.13% | (4.75%) | (3.51%) | (1.89%) | (2.47%) | (5.62%) | (1.78%) | (7.58%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
780,160.90 | 369,780.30 | 106,203.87 | 77,734.93 | 283,802.29 | 651,992.74 | 86,984.69 | 23,216.69 | 19,838.81 | 22,882.07 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
25,077.59 | 26,341.98 | 27,010.80 | 27,394.38 | 31,327.66 | 38,855.73 | 43,324.95 | 42,937.39 | 42,321.66 | 42,820.31 |
Average Assets |
29,381.13 | 30,972.10 | 32,020.43 | 33,160.20 | 38,209.38 | 46,634.91 | 51,885.44 | 51,868.71 | 51,682.65 | 52,780.85 |
Average Common Equity |
2,801.95 | 3,005.71 | 3,188.90 | 3,495.81 | 3,957.37 | 4,220.83 | 3,642.94 | 3,281.39 | 3,662.07 | 4,090.36 |
Columns are period end dates