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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 $9.5B). Zions Bancorporation, N.A. trades at the lower P/E: 8.0× against 14.6×. Zions Bancorporation, N.A. grew revenue faster over the last twelve months: 4.16% against 1.83%. Zions Bancorporation, N.A. has the higher net margin (23.4% vs 22.9%) and the higher return on invested capital (22.3% vs 0.00%). Both pay a dividend; Zions Bancorporation, N.A. yields more (2.81% vs 2.59%). Across the 19 metrics below, Zions Bancorporation, N.A. leads on 14 and Cullen/Frost Bankers, Inc. on 5.

Valuation

Metric CFR ZION Banks Regional median
P/E 14.57 7.99 12.02
P/S 3.30 1.83 2.36
P/B 2.54 1.24 1.23
Price to free cash flow 16.54 5.62 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.86% 12.51% 8.21%
Free cash flow yield 6.05% 17.79% 9.23%

Profitability

Metric CFR ZION Banks Regional median
Gross margin 79.15% 72.91% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.90% 23.44% 18.82%
Free cash flow margin 19.93% 0.00% 17.97%
Return on equity 16.60% 16.76% 10.28%
Return on assets 1.26% 1.35% 1.13%
Return on invested capital 0.00% 22.33% 8.45%

Growth

Metric CFR ZION Banks Regional median
Revenue growth (TTM) 1.83% 4.16% 6.37%
EPS growth (last fiscal year) 11.84% 21.41% 18.85%
Revenue growth, 5-year CAGR 14.46% 10.93% 12.65%
Net income growth, 5-year CAGR 14.45% 12.13% 9.81%

Health

Metric CFR ZION Banks Regional median
Debt to equity 0.06 0.31 0.17
Current ratio 0.65 0.86 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFR ZION Banks Regional median
Dividend yield 2.59% 2.81% 2.49%
Payout ratio 0.38 0.22 0.29

Size

Metric CFR ZION Banks Regional median
Market cap 9.74b 9.48b 934.85m

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