Cullen/Frost Bankers, Inc. (CFR)

Cullen/Frost Bankers Statistics

Total Valuation

CFR has a market cap or net worth of $8.52 billion. The enterprise value is $3.86 billion.

Market Cap	8.52B
Enterprise Value	3.86B

Important Dates

The next estimated earnings date is Thursday, January 23, 2025, before market open.

Earnings Date	Jan 23, 2025
Ex-Dividend Date	Nov 29, 2024

Share Statistics

CFR has 64.13 million shares outstanding. The number of shares has decreased by -0.33% in one year.

Current Share Class	64.13M
Shares Outstanding	64.13M
Shares Change (YoY)	-0.33%
Shares Change (QoQ)	-0.39%
Owned by Insiders (%)	2.47%
Owned by Institutions (%)	90.11%
Float	58.80M

Valuation Ratios

The trailing PE ratio is 16.47 and the forward PE ratio is 15.29.

PE Ratio	16.47
Forward PE	15.29
PS Ratio	4.34
Forward PS	3.92
PB Ratio	2.13
P/TBV Ratio	2.14
P/FCF Ratio	11.98
P/OCF Ratio	10.12
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	7.46
EV / Sales	1.97
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	5.43

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	6.62
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.86%.

Return on Equity (ROE)	14.86%
Return on Assets (ROA)	1.06%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$357,501
Profits Per Employee	$94,166
Employee Count	5,495
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CFR has paid $102.41 million in taxes.

Income Tax	102.41M
Effective Tax Rate	16.19%

Stock Price Statistics

The stock price has increased by +21.87% in the last 52 weeks. The beta is 0.98, so CFR's price volatility has been similar to the market average.

Beta (5Y)	0.98
52-Week Price Change	+21.87%
50-Day Moving Average	133.94
200-Day Moving Average	114.03
Relative Strength Index (RSI)	42.72
Average Volume (20 Days)	353,170

Short Selling Information

The latest short interest is 2.74 million, so 4.27% of the outstanding shares have been sold short.

Short Interest	2.74M
Short Previous Month	3.17M
Short % of Shares Out	4.27%
Short % of Float	4.65%
Short Ratio (days to cover)	5.23

Income Statement

In the last 12 months, CFR had revenue of $1.96 billion and earned $517.44 million in profits. Earnings per share was $8.07.

Revenue	1.96B
Gross Profit	1.96B
Operating Income	721.11M
Pretax Income	644.40M
Net Income	517.44M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.07

Balance Sheet

The company has $9.37 billion in cash and $4.71 billion in debt, giving a net cash position of $4.66 billion or $72.67 per share.

Cash & Cash Equivalents	9.37B
Total Debt	4.71B
Net Cash	4.66B
Net Cash Per Share	$72.67
Equity (Book Value)	4.14B
Book Value Per Share	62.41
Working Capital	-36.40B

Cash Flow

In the last 12 months, operating cash flow was $842.23 million and capital expenditures -$130.70 million, giving a free cash flow of $711.53 million.

Operating Cash Flow	842.23M
Capital Expenditures	-130.70M
Free Cash Flow	711.53M
FCF Per Share	$11.09

Margins

Gross Margin	n/a
Operating Margin	36.71%
Pretax Margin	32.20%
Profit Margin	26.99%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	36.22%

Dividends & Yields

This stock pays an annual dividend of $3.80, which amounts to a dividend yield of 2.86%.

Dividend Per Share	$3.80
Dividend Yield	2.86%
Dividend Growth (YoY)	4.47%
Years of Dividend Growth	31
Payout Ratio	47.09%
Buyback Yield	0.33%
Shareholder Yield	3.19%
Earnings Yield	6.07%
FCF Yield	8.35%

Analyst Forecast

The average price target for CFR is $125.38, which is -5.64% lower than the current price. The consensus rating is "Hold".

Price Target	$125.38
Price Target Difference	-5.64%
Analyst Consensus	Hold
Analyst Count	13
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	0.22%

Stock Splits

The last stock split was on June 23, 1999. It was a forward split with a ratio of 2:1.

Last Split Date	Jun 23, 1999
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4