CFR:NYE-Cullen/Frost Bankers, Inc (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 107.83

Change

+0.18 (+0.17)%

Market Cap

USD 6.80B

Volume

0.49M

Average Target Price

USD 77.29 (-28.33%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds, and foreign exchange services. Further, it acts as a correspondent for approximately 176 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; holds securities for investment purposes; and provides loans to qualified borrowers, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 155 financial centers and 1,200 ATMs. The company serves energy, manufacturing, services, construction, retail, telecommunications, health care, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-03-04 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

-1.18 (-1.43%)

USD119.28B 159.44 N/A
USB-PH U.S. Bancorp

-0.07 (-0.30%)

USD96.13B 7.63 N/A
USB-PP U.S. Bancorp

-0.05 (-0.18%)

USD84.77B 8.83 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
USB-PM U.S. Bancorp

-0.03 (-0.11%)

USD79.67B 8.63 N/A
USB U.S. Bancorp

-0.14 (-0.27%)

USD76.85B 16.72 N/A
PNC The PNC Financial Services Gro..

-0.77 (-0.44%)

USD73.50B 10.21 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
IBN ICICI Bank Limited

-0.19 (-1.11%)

USD58.63B 49.28 N/A
ITUB Itaú Unibanco Holding S.A

+0.13 (+2.86%)

USD43.00B 7.09 N/A

ETFs Containing CFR

Symbol Name Weight Mer Price(Change) Market Cap
HEWL iShares Currency Hedged M.. 0.00 % 0.53 %

N/A

USD0.01B
SPYR:F SPDR MSCI Europe Consumer.. 0.00 % 0.30 %

-1.46 (-0.98%)

USD0.08B
1323:TSE NEXT FUNDS FTSE/JSE Afric.. 0.00 % 0.00 %

-2.00 (-0.49%)

USD0.32B
SPYR:XETRA SPDR MSCI Europe Consumer.. 0.00 % 0.30 %

-1.30 (-0.87%)

USD0.08B
EXI1:XETRA iShares SLI UCITS ETF (DE.. 0.00 % 0.51 %

-0.82 (-0.76%)

USD0.26B
EXH7:XETRA iShares STOXX Europe 600 .. 0.00 % 0.47 %

-0.14 (-0.16%)

USD0.10B
DXS0:XETRA Xtrackers SLI UCITS ETF 1.. 0.00 % 0.25 %

-1.32 (-0.80%)

USD0.09B
DBXS:XETRA Xtrackers Switzerland UCI.. 0.00 % 0.30 %

-0.52 (-0.51%)

USD1.20B
C073:XETRA ComStage - STOXX® Europe.. 0.00 % 0.25 %

N/A

USD0.01B
C030:XETRA Lyxor DJ Switzerland Tita.. 0.00 % 0.25 %

-0.74 (-0.61%)

USD0.07B
EXI1:F iShares SLI UCITS ETF (DE.. 0.00 % 0.51 %

-0.94 (-0.88%)

USD0.26B
KBWR Invesco KBW Regional Bank.. 0.00 % 0.35 %

-0.77 (-1.27%)

USD0.06B
EXH7:F iShares STOXX Europe 600 .. 0.00 % 0.47 %

+0.11 (+0.12%)

USD0.13B
DXS0:F Xtrackers SLI UCITS ETF 1.. 0.00 % 0.25 %

-1.38 (-0.84%)

USD0.09B
DBXS:F Xtrackers Switzerland UCI.. 0.00 % 0.30 %

-0.38 (-0.37%)

USD1.20B
C073:F ComStage - STOXX® Europe.. 0.00 % 0.25 %

N/A

USD0.01B
C030:F Lyxor DJ Switzerland Tita.. 0.00 % 0.25 %

-0.98 (-0.80%)

USD0.07B
STR:PA SPDR MSCI Europe Consumer.. 0.00 % 0.30 %

-0.70 (-0.47%)

USD0.08B
CDIS:LSE SPDR MSCI Europe Consumer.. 0.00 % 0.30 %

-1.29 (-0.86%)

USD0.08B
RUBY:CA RBC U.S. Banks Yield Inde.. 0.00 % 0.29 %

-0.17 (-0.79%)

USD0.01B
1391:TSE UBS ETF - MSCI Switzerlan.. 0.00 % 0.20 %

-24.00 (-0.99%)

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 23.62% 79% C+ 87% B+
Dividend Return 0.83% 36% F 52% F
Total Return 24.44% 78% C+ 87% B+
Trailing 12 Months  
Capital Gain 44.80% 85% B 80% B-
Dividend Return 3.84% 55% F 63% D
Total Return 48.64% 85% B 81% B-
Trailing 5 Years  
Capital Gain 86.88% 79% C+ 76% C
Dividend Return 22.22% 80% B- 71% C-
Total Return 109.10% 82% B- 80% B-
Average Annual (5 Year Horizon)  
Capital Gain 3.97% 80% B- 65% D
Dividend Return 2.84% 73% C 65% D
Total Return 6.81% 83% B 65% D
Risk Return Profile  
Volatility (Standard Deviation) 24.78% 34% F 31% F
Risk Adjusted Return 27.47% 66% D 47% F
Market Capitalization 6.80B 63% D 78% C+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 21.07 25% F 41% F
Price/Book Ratio 1.59 27% F 56% F
Price / Cash Flow Ratio 12.97 32% F 34% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.07% 54% F 58% F
Return on Invested Capital 7.63% 81% B- 67% D+
Return on Assets 0.87% 55% F 33% F
Debt to Equity Ratio 5.48% 94% A 90% A-
Technical Ratios  
Short Ratio 4.44 24% F 17% F
Short Percent 5.34% 7% F 44% F
Beta 1.47 36% F 27% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.