Cullen/Frost Bankers, Inc. (CFR)

Cullen/Frost Bankers Statistics

Total Valuation

CFR has a market cap or net worth of $7.83 billion. The enterprise value is $2.45 billion.

Market Cap	7.83B
Enterprise Value	2.45B

Important Dates

The next estimated earnings date is Thursday, April 24, 2025, before market open.

Earnings Date	Apr 24, 2025
Ex-Dividend Date	Feb 28, 2025

Share Statistics

CFR has 64.24 million shares outstanding. The number of shares has decreased by -0.22% in one year.

Current Share Class	64.24M
Shares Outstanding	64.24M
Shares Change (YoY)	-0.22%
Shares Change (QoQ)	+0.24%
Owned by Insiders (%)	2.53%
Owned by Institutions (%)	88.93%
Float	58.86M

Valuation Ratios

The trailing PE ratio is 13.74 and the forward PE ratio is 13.56. CFR's PEG ratio is 5.45.

PE Ratio	13.74
Forward PE	13.56
PS Ratio	3.91
Forward PS	3.49
PB Ratio	2.08
P/TBV Ratio	2.09
P/FCF Ratio	9.08
P/OCF Ratio	7.91
PEG Ratio	5.45

Enterprise Valuation

EV / Earnings	4.31
EV / Sales	1.23
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	2.85

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.83
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.30%.

Return on Equity (ROE)	15.30%
Return on Assets (ROA)	1.13%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$363,735
Profits Per Employee	$103,664
Employee Count	5,495
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CFR has paid $113.43 million in taxes.

Income Tax	113.43M
Effective Tax Rate	16.30%

Stock Price Statistics

The stock price has increased by +12.35% in the last 52 weeks. The beta is 0.96, so CFR's price volatility has been similar to the market average.

Beta (5Y)	0.96
52-Week Price Change	+12.35%
50-Day Moving Average	137.40
200-Day Moving Average	121.59
Relative Strength Index (RSI)	23.71
Average Volume (20 Days)	431,906

Short Selling Information

The latest short interest is 2.52 million, so 3.92% of the outstanding shares have been sold short.

Short Interest	2.52M
Short Previous Month	2.76M
Short % of Shares Out	3.92%
Short % of Float	4.28%
Short Ratio (days to cover)	5.14

Income Statement

In the last 12 months, CFR had revenue of $2.00 billion and earned $569.63 million in profits. Earnings per share was $8.87.

Revenue	2.00B
Gross Profit	2.00B
Operating Income	733.24M
Pretax Income	644.40M
Net Income	569.63M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.87

Balance Sheet

The company has $10.40 billion in cash and $5.02 billion in debt, giving a net cash position of $5.37 billion or $83.65 per share.

Cash & Cash Equivalents	10.40B
Total Debt	5.02B
Net Cash	5.37B
Net Cash Per Share	$83.65
Equity (Book Value)	3.90B
Book Value Per Share	58.46
Working Capital	-36.66B

Cash Flow

In the last 12 months, operating cash flow was $989.53 million and capital expenditures -$127.78 million, giving a free cash flow of $861.76 million.

Operating Cash Flow	989.53M
Capital Expenditures	-127.78M
Free Cash Flow	861.76M
FCF Per Share	$13.42

Margins

Gross Margin	n/a
Operating Margin	36.69%
Pretax Margin	34.82%
Profit Margin	29.15%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	43.12%

Dividends & Yields

This stock pays an annual dividend of $3.80, which amounts to a dividend yield of 3.12%.

Dividend Per Share	$3.80
Dividend Yield	3.12%
Dividend Growth (YoY)	3.86%
Years of Dividend Growth	10
Payout Ratio	42.84%
Buyback Yield	0.22%
Shareholder Yield	3.34%
Earnings Yield	7.28%
FCF Yield	11.01%

Analyst Forecast

The average price target for CFR is $131.85, which is 8.22% higher than the current price. The consensus rating is "Hold".

Price Target	$131.85
Price Target Difference	8.22%
Analyst Consensus	Hold
Analyst Count	13
Revenue Growth Forecast (5Y)	3.71%
EPS Growth Forecast (5Y)	0.95%

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