US2298991090 - Common Stock

**CFR** gets a fundamental rating of **3** out of 10. The analysis compared the fundamentals against 404 industry peers in the **Banks** industry. There are concerns on the financial health of **CFR** while its profitability can be described as average. **CFR** has a expensive valuation and it also scores bad on growth.

In the past year **CFR** was profitable.

In the past 5 years **CFR** has always been profitable.

In the past 5 years **CFR** always reported a positive cash flow from operatings.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 1.27% | ||

ROE | 15.71% | ||

ROIC | N/A |

ROA(3y)1.02%

ROA(5y)1.02%

ROE(3y)14.52%

ROE(5y)12.41%

ROIC(3y)N/A

ROIC(5y)N/A

The **Operating Margin** and **Gross Margin** are not available for **CFR** so they could not be analyzed.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | N/A | ||

PM (TTM) | 25.68% | ||

GM | N/A |

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y9.81%

PM growth 5Y-2.78%

GM growth 3YN/A

GM growth 5YN/A

The number of shares outstanding for **CFR** has been increased compared to 5 years ago.

The debt/assets ratio for **CFR** has been reduced compared to a year ago.

Looking at the **Debt to Equity ratio**, with a value of **1.03**, **CFR** is doing worse than **86.00%** of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 1.03 | ||

Debt/FCF | 5.99 | ||

Altman-Z | N/A |

ROIC/WACCN/A

WACC9.75%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

The **Revenue** has been growing slightly by **1.45%** in the past year.

The **Revenue** has been growing by **8.70%** on average over the past years. This is quite good.

EPS 1Y (TTM)-22.94%

EPS 3Y21.29%

EPS 5Y5.72%

EPS Q2Q%-5.88%

Revenue 1Y (TTM)1.45%

Revenue growth 3Y11.3%

Revenue growth 5Y8.7%

Sales Q2Q%-14.85%

Based on estimates for the next years, **CFR** will show a small growth in **Earnings Per Share**. The EPS will grow by **2.93%** on average per year.

EPS Next Y-3.61%

EPS Next 2Y-2.24%

EPS Next 3Y-1.18%

EPS Next 5Y2.93%

Revenue Next Year3.82%

Revenue Next 2Y3.27%

Revenue Next 3Y3.69%

Revenue Next 5YN/A

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

The **Price/Earnings** ratio is **17.27**, which indicates a rather expensive current valuation of **CFR**.

Based on the **Price/Earnings** ratio, **CFR** is valued a bit more expensive than the industry average as 68.75% of the companies are valued more cheaply.

The average S&P500 **Price/Earnings** ratio is at **29.30**. **CFR** is valued slightly cheaper when compared to this.

With a **Price/Forward Earnings** ratio of **16.00**, **CFR** is valued correctly.

Based on the **Price/Forward Earnings** ratio, **CFR** is valued a bit more expensive than the industry average as 70.00% of the companies are valued more cheaply.

When comparing the **Price/Forward Earnings** ratio of **CFR** to the average of the S&P500 Index (**23.90**), we can say **CFR** is valued slightly cheaper.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 17.27 | ||

Fwd PE | 16 |

Compared to the rest of the industry, the **Price/Free Cash Flow** ratio of **CFR** is on the same level as its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 12.56 | ||

EV/EBITDA | N/A |

PEG (NY)N/A

PEG (5Y)3.02

EPS Next 2Y-2.24%

EPS Next 3Y-1.18%

Compared to an average S&P500 **Dividend Yield** of **2.21**, **CFR** pays a bit more dividend than the S&P500 average.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 2.75% |

On average, the dividend of **CFR** grows each year by **6.25%**, which is quite nice.

Dividend Growth(5Y)6.25%

Div Incr Years30

Div Non Decr Years30

DP38.07%

EPS Next 2Y-2.24%

EPS Next 3Y-1.18%

**CULLEN/FROST BANKERS INC**

NYSE:CFR (11/8/2024, 8:04:00 PM)

After market: 139.17 0 (0%)**139.17**

**+1.12 (+0.81%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap8.92B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 2.75% |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 17.27 | ||

Fwd PE | 16 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)3.02

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 1.27% | ||

ROE | 15.71% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | N/A | ||

PM (TTM) | 25.68% | ||

GM | N/A | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.05

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 1.03 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | N/A | ||

Quick Ratio | N/A | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)-22.94%

EPS 3Y21.29%

EPS 5Y

EPS Q2Q%

EPS Next Y-3.61%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)1.45%

Revenue growth 3Y11.3%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y