US stock · Financial Services sector · Banks—Regional
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Cullen/Frost Bankers, Inc.

CFRNYSE

121.63

USD
+2.33
(+1.95%)
Market Closed
18.66P/E
13Forward P/E
0.72P/E to S&P500
7.796BMarket CAP
2.49%Div Yield
Upcoming Earnings
27 Jul-1 Aug
Shares Short
5/13/22
1.65M
Short % of Float
2.67%
Short % of Shares Outs.
2.57%
% Held by Insiders
9.73%
% Held by Institutions
86.01%
Beta
1.27
PEG Ratio
1.59
52w. high/low
147.39/100.35
Avg. Daily Volume
0.40M
Return %
Stock
S&P 500
1 year
2.24
(6.01)
3 years
26.51
39.24
5 years
30.93
63.25
Scale: |
High
Low
57.05
47.55
73.00
42.90
53.59
35.40
62.14
49.55
62.59
43.57
61.11
53.37
76.36
54.91
82.00
67.46
80.23
59.27
88.98
42.41
103.37
81.09
121.66
81.87
106.23
79.86
98.21
47.69
139.70
85.58
147.39
114.69
Currency: USD
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
Revenue per share
12.80
13.36
13.96
13.97
14.00
14.27
14.58
15.30
16.22
16.98
18.05
18.89
20.55
21.80
22.98
21.55
16.27
Earnings per share
3.49
3.60
3.52
3.01
3.46
3.56
3.88
3.94
4.48
4.45
4.88
5.72
7.14
7.07
5.28
6.96
5.01
FCF per share
(1.45)
3.06
2.97
3.29
6.75
4.05
4.49
2.22
2.49
3.93
6.16
7.91
7.58
6.81
6.84
9.15
11.11
Dividends per share
1.32
1.54
1.67
1.72
1.79
1.84
1.91
2.09
2.18
2.23
2.29
2.39
2.72
2.95
2.91
3.08
2.34
CAPEX per share
0.49
0.36
1.02
1.32
0.28
0.44
0.41
0.66
2.13
2.34
0.86
0.54
1.24
3.29
1.52
1.03
0.83
Book Value per sh.
24.82
25.07
29.97
31.86
34.13
37.37
39.44
41.66
45.94
46.06
48.14
51.78
52.88
62.35
68.44
69.75
66.51
Comm.Shares outs.
55
59
59
59
60
61
61
60
62
63
62
64
64
63
63
64
64
Avg. annual P/E ratio
16.0
14.5
15.1
15.7
15.7
15.3
14.6
16.8
17.0
15.5
13.4
16.2
14.9
13.3
14.2
16.4
18.7
P/E to S&P500
0.9
0.8
0.7
0.2
0.8
0.9
1.0
1.0
0.9
0.8
0.6
0.7
0.6
0.6
0.4
0.5
0.7
Avg. annual div. yield
2.4%
2.9%
3.1%
3.6%
3.3%
3.4%
3.4%
3.2%
2.9%
3.2%
3.5%
2.6%
2.6%
3.1%
3.9%
2.7%
1.8%
Revenue (m)
710
787
821
830
845
872
894
923
1,007
1,065
1,126
1,203
1,309
1,368
1,441
1,372
1,037
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
25
31
34
36
38
38
38
38
40
42
48
48
50
54
64
69
98
Net profit (m)
194
212
207
179
209
218
238
238
278
279
304
364
455
444
331
443
327
Income tax rate
32.2%
31.6%
30.2%
23.1%
21.6%
24.0%
22.9%
18.2%
17.3%
12.7%
10.9%
10.8%
10.6%
11.2%
5.7%
9.5%
- -
Net profit margin
27.3%
26.9%
25.2%
21.6%
24.7%
25.0%
26.6%
25.8%
27.6%
26.2%
27.0%
30.3%
34.7%
32.4%
23.0%
32.3%
- -
Working capital (m)
9,092
9,280
10,640
10,048
11,302
11,290
13,075
14,405
15,766
15,459
16,538
18,625
18,565
19,034
28,282
33,473
17,729
Long-term debt (m)
429
400
393
136
374
224
224
224
237
237
236
235
235
235
235
222
- -
Equity (m)
1,377
1,477
1,764
1,894
2,062
2,284
2,417
2,514
2,851
2,890
3,003
3,298
3,369
3,912
4,293
4,440
3,776
ROIC
2.6%
2.8%
2.0%
1.6%
1.4%
1.2%
1.1%
1.1%
1.0%
1.0%
1.0%
1.2%
1.7%
1.6%
0.9%
0.9%
- -
Return on capital
3.8%
4.2%
2.9%
2.0%
1.8%
1.6%
1.4%
1.3%
1.2%
1.2%
1.2%
1.4%
1.9%
1.8%
0.9%
1.0%
0.7%
Return on equity
14.1%
14.4%
11.8%
9.5%
10.1%
9.5%
9.8%
9.5%
9.7%
9.7%
10.1%
11.0%
13.5%
11.3%
7.7%
10.0%
8.7%
Plowback ratio
62.1%
57.2%
52.6%
43.0%
48.3%
48.4%
50.9%
46.9%
51.3%
49.8%
53.0%
58.2%
61.9%
58.3%
44.9%
55.8%
54.3%
Div.&Repurch./FCF
(91.3)%
50.4%
56.3%
51.3%
25.9%
46.1%
42.6%
202.2%
88.4%
98.0%
37.5%
50.3%
56.8%
59.4%
81.2%
34.3%
21.6%
Capital Structure
28 Apr · 2022 | Q1
All numbers in millions
Total liabilities
$ 47,520
Total assets
$ 51,296
Long-term debt
$ - -
Cash and equiv.
$ 772
Goodwill
$ 655
Retained earnings
$ 3,003
Common stock
64
Enterprise Value
$ 7,024
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
14,701
20,726
30,466
Receivables
441
585
613
Inventory
- -
- -
- -
Other
3,892
13,828
15,504
Current assets
19,034
28,282
33,473
Acc. Payable
546
730
754
Debt due
- -
- -
- -
Other
(546)
(730)
(754)
Current liabilities
- -
- -
- -
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
(4.85)%
3.46%
4.95%
Cash flow
35.82%
5.12%
14.56%
Earnings
33.80%
7.72%
8.53%
Dividends
7.31%
6.65%
5.99%
Book value
3.41%
7.86%
7.10%
Insider Trading
Type
Shares
Date
Avery Chris
Purchase
5,000
05/02/22
Steen Ida Clement
Exempt
8,011
04/27/22
Steen Ida Clement
Exempt
8,011
04/27/22
Jennings Karen E
Exempt
8,011
04/27/22
Jennings Karen E
Exempt
8,011
04/27/22
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
457
323
327
334
1,441
2021
334
348
339
350
1,372
2022
- -
- -
- -
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
0.87
1.48
1.52
1.41
5.28
2021
1.82
1.85
1.70
1.59
6.96
2022
- -
- -
- -
- -
- -
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
0.75
0.72
0.72
0.73
2.91
2021
0.76
0.75
0.78
0.78
3.08
2022
0.03
- -
- -
- -
- -
Company Description
Sector:
Financial Services
Industry:
Banks—Regional
CEO:
Mr. Philip Green
Full-time employees:
4,553
City:
San Antonio
Address:
111 W Houston St
IPO:
Aug 14, 1997
Website:
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 171 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; and holds securities for investment purposes, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 157 financial centers and 1,650 ATMs. The company serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.