CULLEN/FROST BANKERS INC (CFR) Fundamental Analysis & Valuation

NYSE:CFR • US2298991090

Current stock price

141.4 USD
-3.49 (-2.41%)
At close:
141.4 USD
0 (0%)
After Hours:

This CFR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CFR Profitability Analysis

1.1 Basic Checks

  • In the past year CFR was profitable.
  • CFR had a positive operating cash flow in the past year.
  • In the past 5 years CFR has always been profitable.
  • CFR had a positive operating cash flow in each of the past 5 years.
CFR Yearly Net Income VS EBIT VS OCF VS FCFCFR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

1.2 Ratios

  • CFR has a better Return On Assets (1.20%) than 74.80% of its industry peers.
  • CFR's Return On Equity of 13.90% is amongst the best of the industry. CFR outperforms 90.72% of its industry peers.
Industry RankSector Rank
ROA 1.2%
ROE 13.9%
ROIC N/A
ROA(3y)1.14%
ROA(5y)1.07%
ROE(3y)14.75%
ROE(5y)14.41%
ROIC(3y)N/A
ROIC(5y)N/A
CFR Yearly ROA, ROE, ROICCFR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 28.43%, CFR is in the better half of the industry, outperforming 66.58% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CFR has grown nicely.
  • CFR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.43%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.27%
PM growth 5Y5.04%
GM growth 3YN/A
GM growth 5YN/A
CFR Yearly Profit, Operating, Gross MarginsCFR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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0

2. CFR Health Analysis

2.1 Basic Checks

  • CFR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CFR has less shares outstanding
  • Compared to 5 years ago, CFR has more shares outstanding
  • The debt/assets ratio for CFR is higher compared to a year ago.
CFR Yearly Shares OutstandingCFR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
CFR Yearly Total Debt VS Total AssetsCFR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • CFR has a debt to FCF ratio of 37.44. This is a negative value and a sign of low solvency as CFR would need 37.44 years to pay back of all of its debts.
  • CFR has a worse Debt to FCF ratio (37.44) than 86.47% of its industry peers.
  • CFR has a Debt/Equity ratio of 1.04. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.04, CFR is not doing good in the industry: 86.21% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.04
Debt/FCF 37.44
Altman-Z N/A
ROIC/WACCN/A
WACC10.18%
CFR Yearly LT Debt VS Equity VS FCFCFR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFR Yearly Current Assets VS Current LiabilitesCFR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CFR Growth Analysis

3.1 Past

  • CFR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.84%, which is quite good.
  • CFR shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.23% yearly.
  • Looking at the last year, CFR shows a very negative growth in Revenue. The Revenue has decreased by -12.86% in the last year.
  • CFR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.17% yearly.
EPS 1Y (TTM)11.84%
EPS 3Y4.03%
EPS 5Y14.23%
EPS Q2Q%8.47%
Revenue 1Y (TTM)-12.86%
Revenue growth 3Y9.64%
Revenue growth 5Y9.17%
Sales Q2Q%4.37%

3.2 Future

  • Based on estimates for the next years, CFR will show a small growth in Earnings Per Share. The EPS will grow by 4.26% on average per year.
  • CFR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.24% yearly.
EPS Next Y3.97%
EPS Next 2Y3.5%
EPS Next 3Y2.68%
EPS Next 5Y4.26%
Revenue Next Year5.35%
Revenue Next 2Y5.02%
Revenue Next 3Y4.23%
Revenue Next 5Y3.24%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CFR Yearly Revenue VS EstimatesCFR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1B 2B 3B
CFR Yearly EPS VS EstimatesCFR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15

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2

4. CFR Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.25 indicates a correct valuation of CFR.
  • 68.44% of the companies in the same industry are cheaper than CFR, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.42. CFR is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 13.71, the valuation of CFR can be described as correct.
  • CFR's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CFR is more expensive than 74.54% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.29, CFR is valued a bit cheaper.
Industry RankSector Rank
PE 14.25
Fwd PE 13.71
CFR Price Earnings VS Forward Price EarningsCFR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CFR is valued more expensive than 85.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 69.92
EV/EBITDA N/A
CFR Per share dataCFR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.59
PEG (5Y)1
EPS Next 2Y3.5%
EPS Next 3Y2.68%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CFR Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.76%, CFR has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.55, CFR has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, CFR pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.76%

5.2 History

  • On average, the dividend of CFR grows each year by 7.24%, which is quite nice.
  • CFR has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CFR has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.24%
Div Incr Years32
Div Non Decr Years32
CFR Yearly Dividends per shareCFR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 41.23% of the earnings are spent on dividend by CFR. This is a bit on the high side, but may be sustainable.
  • CFR's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP41.23%
EPS Next 2Y3.5%
EPS Next 3Y2.68%
CFR Yearly Income VS Free CF VS DividendCFR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
CFR Dividend Payout.CFR Dividend Payout, showing the Payout Ratio.CFR Dividend Payout.PayoutRetained Earnings

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CFR Fundamentals: All Metrics, Ratios and Statistics

CULLEN/FROST BANKERS INC

NYSE:CFR (4/24/2026, 8:26:51 PM)

After market: 141.4 0 (0%)

141.4

-3.49 (-2.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners89.05%
Inst Owner Change0.1%
Ins Owners0.73%
Ins Owner Change0.29%
Market Cap8.90B
Revenue(TTM)2.24B
Net Income(TTM)635.49M
Analysts66.32
Price Target150.6 (6.51%)
Short Float %4.42%
Short Ratio4.66
Dividend
Industry RankSector Rank
Dividend Yield 2.76%
Yearly Dividend4.11
Dividend Growth(5Y)7.24%
DP41.23%
Div Incr Years32
Div Non Decr Years32
Ex-Date02-27
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.16%
Min EPS beat(2)3.36%
Max EPS beat(2)10.96%
EPS beat(4)4
Avg EPS beat(4)5.56%
Min EPS beat(4)2.67%
Max EPS beat(4)10.96%
EPS beat(8)7
Avg EPS beat(8)4.29%
EPS beat(12)10
Avg EPS beat(12)2.23%
EPS beat(16)14
Avg EPS beat(16)3.03%
Revenue beat(2)0
Avg Revenue beat(2)-0.6%
Min Revenue beat(2)-0.69%
Max Revenue beat(2)-0.51%
Revenue beat(4)2
Avg Revenue beat(4)0.75%
Min Revenue beat(4)-0.69%
Max Revenue beat(4)2.46%
Revenue beat(8)5
Avg Revenue beat(8)-1.25%
Revenue beat(12)9
Avg Revenue beat(12)0.19%
Revenue beat(16)11
Avg Revenue beat(16)5.14%
PT rev (1m)0.63%
PT rev (3m)6.55%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)3.79%
EPS NY rev (1m)0%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.92%
Valuation
Industry RankSector Rank
PE 14.25
Fwd PE 13.71
P/S 3.98
P/FCF 69.92
P/OCF 32.49
P/B 1.95
P/tB 1.95
EV/EBITDA N/A
EPS(TTM)9.92
EY7.02%
EPS(NY)10.31
Fwd EY7.29%
FCF(TTM)2.02
FCFY1.43%
OCF(TTM)4.35
OCFY3.08%
SpS35.5
BVpS72.63
TBVpS72.63
PEG (NY)3.59
PEG (5Y)1
Graham Number127.326 (-9.95%)
Profitability
Industry RankSector Rank
ROA 1.2%
ROE 13.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.43%
GM N/A
FCFM 5.7%
ROA(3y)1.14%
ROA(5y)1.07%
ROE(3y)14.75%
ROE(5y)14.41%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.27%
PM growth 5Y5.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.04
Debt/FCF 37.44
Debt/EBITDA N/A
Cap/Depr 167.06%
Cap/Sales 6.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 20.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.18%
ROIC/WACCN/A
Cap/Depr(3y)176.57%
Cap/Depr(5y)153.71%
Cap/Sales(3y)6.92%
Cap/Sales(5y)6.32%
Profit Quality(3y)75.31%
Profit Quality(5y)94.01%
High Growth Momentum
Growth
EPS 1Y (TTM)11.84%
EPS 3Y4.03%
EPS 5Y14.23%
EPS Q2Q%8.47%
EPS Next Y3.97%
EPS Next 2Y3.5%
EPS Next 3Y2.68%
EPS Next 5Y4.26%
Revenue 1Y (TTM)-12.86%
Revenue growth 3Y9.64%
Revenue growth 5Y9.17%
Sales Q2Q%4.37%
Revenue Next Year5.35%
Revenue Next 2Y5.02%
Revenue Next 3Y4.23%
Revenue Next 5Y3.24%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-85.21%
FCF growth 3Y-41%
FCF growth 5Y-21.56%
OCF growth 1Y-72.31%
OCF growth 3Y-27.62%
OCF growth 5Y-12.17%

CULLEN/FROST BANKERS INC / CFR Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CULLEN/FROST BANKERS INC (CFR) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CFR.


What is the valuation status for CFR stock?

ChartMill assigns a valuation rating of 2 / 10 to CULLEN/FROST BANKERS INC (CFR). This can be considered as Overvalued.


How profitable is CULLEN/FROST BANKERS INC (CFR) stock?

CULLEN/FROST BANKERS INC (CFR) has a profitability rating of 4 / 10.


What is the valuation of CULLEN/FROST BANKERS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CULLEN/FROST BANKERS INC (CFR) is 14.25 and the Price/Book (PB) ratio is 1.95.


Can you provide the financial health for CFR stock?

The financial health rating of CULLEN/FROST BANKERS INC (CFR) is 0 / 10.