Cullen/Frost Bankers, Inc.(CFR) Stock Research - Grey Stern Research

Cullen/Frost Bankers, Inc. (CFR) Stock Analysis

$124.83 (-0.14%)

CFR Financial Performance


Use the table below to view Cullen/Frost Bankers, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q4 - 2024

Metric Value Ranking among Peers
Price $124.83 -
52 Week Low $94.09 -
52 Week High $147.64 -
Market Cap $8.0 Billion 2/15
Gross Margin 100% 1/15
Profit Margin 29% 6/15
EBITDA margin 0% 2/15
Q4 - 2024 Revenue $536.3 Million 2/15
Q4 - 2024 Earnings $154.9 Million 1/15
Q4 - 2024 Free Cash Flow $26.7 Million 7/15
Trailing 4 Quarters Revenue $2.4 Billion 3/15
Trailing 4 Quarters Earnings $580.8 Million 1/15
Quarterly Earnings Growth 51% 3/15
Annual Earnings Growth 2% 8/15
Quarterly Revenue Growth 7% 4/15
Annual Revenue Growth 8% 12/15
Cash On Hand $10.2 Billion 1/15
Short Term Debt $0 3/15
Long Term Debt $222.8 Million 6/15

Cullen/Frost Bankers, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Cullen/Frost Bankers, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 13.82 9/15
PS 3.41 7/15
PB 2.06 5/15
PC 0.79 14/15
Liabilities to Equity 12.47 2/15
ROA 0.01 4/15
ROE 0.15 2/15
Current Ratio 1.08 14/15
Quick Ratio 0.52 1/15
Long Term Debt to Equity 0.06 8/15
Debt to Equity 0.06 8/15
Burn Rate -70.02 12/15
Cash to Cap 1.27 1/15
CCR 0.17 8/15
EV to EBITDA -1.00 2/15
EV to Revenue -1.00 2/15

Company Details

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.

CEO: Mr. Philip Green

Website: https://www.frostbank.com

Address: 111 W Houston St San Antonio, TEXAS

Exchange: New York Stock Exchange

Industry: Banks—Regional

Cullen/Frost Bankers, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Cullen/Frost Bankers, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Commerce Bancshares, Inc. CBSH $8.5 Billion
UMB Financial Corporation UMBF $7.8 Billion
First Financial Bancorp. FFBC $2.3 Billion
Glacier Bancorp, Inc. GBCI $4.8 Billion
Hilltop Holdings Inc. HTH $1.9 Billion
BOK Financial Corporation BOKF $6.1 Billion
Independent Bank Group, Inc. IBTX $2.5 Billion
Equity Bancshares, Inc. EQBK $692.1 Million
First Bancorp FBNC $1.7 Billion
Community Bank System, Inc. CBU $3.0 Billion
First Financial Bankshares, Inc. FFIN $5.0 Billion
Independent Bank Corporation IBCP $655.6 Million
BancFirst Corporation BANF $4.1 Billion
Business First Bancshares, Inc. BFST $711.5 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
CFR Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 536.3 Million $154.9 Million
Q3 2024 $ 608.2 Million $146.5 Million
Q2 2024 $ 706.0 Million $143.8 Million
Q1 2024 $ 501.4 Million $135.7 Million
Q4 2023 $ 501.9 Million $102.6 Million
Q3 2023 $ 561.1 Million $155.7 Million
Q2 2023 $ 488.8 Million $162.1 Million
Q1 2023 $ 505.1 Million $177.7 Million

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CFR Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $10.2 Billion $52.5 Billion $222.8 Million $3.9 Billion
Q3 2024 $751.2 Million $51.0 Billion $0 $4.1 Billion
Q2 2024 $612.6 Million $48.8 Billion $4.3 Billion $3.7 Billion
Q1 2024 $8.4 Billion $49.5 Billion $222.7 Million $3.6 Billion
Q4 2023 $8.6 Billion $50.8 Billion $222.6 Million $3.7 Billion
Q3 2023 $7.5 Billion $48.7 Billion $222.6 Million $3.0 Billion
Q2 2023 $7.0 Billion $48.6 Billion $222.5 Million $3.4 Billion
Q1 2023 $9.2 Billion $51.2 Billion $222.5 Million $3.5 Billion

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CFR Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q4 2024 $26.7 Million -$37.6 Million $1.0 Billion
Q3 2024 $371.8 Million $64.8 Million $2.1 Billion
Q2 2024 $99.6 Million -$26.6 Million -$1.3 Billion
Q1 2024 $450.3 Million -$38.2 Million -$222.8 Million
Q4 2023 -$123.6 Million -$40.6 Million $1.1 Billion
Q3 2023 $205.8 Million -$32.9 Million $510.7 Million
Q2 2023 $115.8 Million -$39.1 Million -$2.2 Billion
Q1 2023 $122.2 Million -$46.1 Million -$2.7 Billion

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