Cullen/Frost Bankers, Inc. (CFR) vs Zions Bancorporation, N.A. (ZION)

Cullen/Frost Bankers, Inc. and Zions Bancorporation, N.A. are both Banks Regional companies. Cullen/Frost Bankers, Inc. and Zions Bancorporation, N.A. are of similar size ($9.7B and $9.2B). Zions Bancorporation, N.A. trades at the lower P/E: 8.1× against 14.9×. Zions Bancorporation, N.A. grew revenue faster over the last twelve months: 3.88% against 1.92%. Cullen/Frost Bankers, Inc. has the higher net margin (22.9% vs 22.6%) and the lower return on invested capital (0.00% vs 15.7%). Both pay a dividend; Zions Bancorporation, N.A. yields more (4.18% vs 3.68%). Across the 20 metrics below, Zions Bancorporation, N.A. leads on 14 and Cullen/Frost Bankers, Inc. on 6.

Valuation

Metric CFR ZION Banks Regional median
P/E 14.88 8.13 12.15
P/S 3.36 1.81 2.37
P/B 2.20 1.23 1.21
Price to free cash flow 18.11 5.55 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 1.48 2.27
Earnings yield 6.72% 12.30% 8.11%
Free cash flow yield 5.52% 18.01% 8.98%

Profitability

Metric CFR ZION Banks Regional median
Gross margin 78.50% 72.39% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.90% 22.60% 18.66%
Free cash flow margin 18.54% 32.53% 21.18%
Return on equity 15.72% 16.50% 10.64%
Return on assets 1.27% 1.31% 1.13%
Return on invested capital 0.00% 15.66% 8.33%

Growth

Metric CFR ZION Banks Regional median
Revenue growth (TTM) 1.92% 3.88% 6.61%
EPS growth (last fiscal year) 11.84% 21.41% —
Revenue growth, 5-year CAGR 14.46% 10.93% 12.30%
Net income growth, 5-year CAGR 14.45% 12.13% 9.71%

Health

Metric CFR ZION Banks Regional median
Debt to equity 0.05 0.25 0.22
Current ratio 0.63 0.84 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFR ZION Banks Regional median
Dividend yield 3.68% 4.18% 3.75%
Payout ratio 0.33 0.29 0.27

Size

Metric CFR ZION Banks Regional median
Market cap 9.71b 9.17b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack