Cullen/Frost Bankers, Inc. (CFR) vs Grupo Cibest S.A. - Sponsored ADR (CIB)

Cullen/Frost Bankers, Inc. and Grupo Cibest S.A. - Sponsored ADR are both Banks Regional companies. Cullen/Frost Bankers, Inc. and Grupo Cibest S.A. - Sponsored ADR are of similar size ($10.5B and $9.7B). Cullen/Frost Bankers, Inc. trades at the lower P/E: 14.9× against 18.5×. Grupo Cibest S.A. - Sponsored ADR grew revenue faster over the last twelve months: 79.5% against 1.92%. Cullen/Frost Bankers, Inc. has the higher net margin (22.9% vs 9.43%) and the lower return on invested capital (0.00% vs 33.7%). Both pay a dividend; Grupo Cibest S.A. - Sponsored ADR yields more (10.3% vs 3.68%). Across the 20 metrics below, Cullen/Frost Bankers, Inc. leads on 13 and Grupo Cibest S.A. - Sponsored ADR on 7.

Valuation

Metric CFR CIB Banks Regional median
P/E 14.88 18.55 12.15
P/S 3.36 2.20 2.37
P/B 2.20 1.99 1.21
Price to free cash flow 18.11 21.98 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 1.59 2.27
Earnings yield 6.72% 5.39% 8.11%
Free cash flow yield 5.52% 4.55% 8.98%

Profitability

Metric CFR CIB Banks Regional median
Gross margin 78.50% 69.28% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.90% 9.43% 18.66%
Free cash flow margin 18.54% 10.01% 21.18%
Return on equity 15.72% 11.82% 10.64%
Return on assets 1.27% 1.23% 1.13%
Return on invested capital 0.00% 33.72% 8.33%

Growth

Metric CFR CIB Banks Regional median
Revenue growth (TTM) 1.92% 79.45% 6.61%
EPS growth (last fiscal year) 11.84% (41.90%) —
Revenue growth, 5-year CAGR 14.46% 2.34% 12.30%
Net income growth, 5-year CAGR 14.45% 50.69% 9.71%

Health

Metric CFR CIB Banks Regional median
Debt to equity 0.05 0.18 0.22
Current ratio 0.63 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFR CIB Banks Regional median
Dividend yield 3.68% 10.28% 3.75%
Payout ratio 0.33 0.44 0.27

Size

Metric CFR CIB Banks Regional median
Market cap 9.71b 10.49b 921.07m

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