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Central Bancompany (CBC) vs Cullen/Frost Bankers, Inc. (CFR)

Central Bancompany and Cullen/Frost Bankers, Inc. are both Banks Regional companies. Central Bancompany and Cullen/Frost Bankers, Inc. are of similar size ($9.7B and $9.0B). Cullen/Frost Bankers, Inc. trades at the lower P/E: 14.6× against 20.6×. Central Bancompany has the higher net margin (33.4% vs 22.9%) and the higher return on invested capital (14.8% vs 0.00%). Both pay a dividend; Cullen/Frost Bankers, Inc. yields more (2.59% vs 0.96%). Across the 16 metrics below, Central Bancompany leads on 9 and Cullen/Frost Bankers, Inc. on 7.

Valuation

Metric CBC CFR Banks Regional median
P/E 20.61 14.57 12.02
P/S 7.05 3.30 2.36
P/B 2.32 2.54 1.23
Price to free cash flow 18.45 16.54 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.85% 6.86% 8.21%
Free cash flow yield 5.42% 6.05% 9.23%

Profitability

Metric CBC CFR Banks Regional median
Gross margin 88.37% 79.15% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 33.37% 22.90% 18.82%
Free cash flow margin 38.21% 19.93% 17.97%
Return on equity 0.00% 16.60% 10.28%
Return on assets 4.18% 1.26% 1.13%
Return on invested capital 14.75% 0.00% 8.45%

Growth

Metric CBC CFR Banks Regional median
Revenue growth (TTM) — 1.83% 6.37%
EPS growth (last fiscal year) 26.24% 11.84% 18.85%
Revenue growth, 5-year CAGR — 14.46% 12.65%
Net income growth, 5-year CAGR — 14.45% 9.81%

Health

Metric CBC CFR Banks Regional median
Debt to equity 0.00 0.06 0.17
Current ratio 0.76 0.65 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBC CFR Banks Regional median
Dividend yield 0.96% 2.59% 2.49%
Payout ratio 0.20 0.38 0.29

Size

Metric CBC CFR Banks Regional median
Market cap 8.96b 9.74b 934.85m

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