CULLEN/FROST BANKERS INC (CFR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CFR - US2298991090 - Common Stock
129.42 USD
+0.4 (+0.31%)
129.42 USD
0 (0%)
Overall CFR gets a fundamental rating of 3 out of 10. We evaluated CFR against 388 industry peers in the Banks industry. CFR has a medium profitability rating, but doesn't score so well on its financial health evaluation. CFR is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CFR was profitable.
CFR had a positive operating cash flow in the past year.
Each year in the past 5 years CFR has been profitable.
CFR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CFR's Return On Assets of 1.19% is fine compared to the rest of the industry. CFR outperforms 75.52% of its industry peers.
CFR has a better Return On Equity (14.00%) than 91.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 14% | ||
| ROIC | N/A |
ROA(3y)1.1%
ROA(5y)0.98%
ROE(3y)16.15%
ROE(5y)13.13%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 28.50%, CFR is doing good in the industry, outperforming 72.42% of the companies in the same industry.
CFR's Profit Margin has declined in the last couple of years.
CFR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.5% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.3%
PM growth 5Y-2.65%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CFR does not have a ROIC to compare to the WACC, probably because it is not profitable.
CFR has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, CFR has more shares outstanding
CFR has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CFR is 305.69, which is on the high side as it means it would take CFR, 305.69 years of fcf income to pay off all of its debts.
CFR's Debt to FCF ratio of 305.69 is on the low side compared to the rest of the industry. CFR is outperformed by 86.34% of its industry peers.
A Debt/Equity ratio of 1.08 is on the high side and indicates that CFR has dependencies on debt financing.
CFR has a worse Debt to Equity ratio (1.08) than 85.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.08 | ||
| Debt/FCF | 305.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.60%, which is quite impressive.
Measured over the past 5 years, CFR shows a small growth in Earnings Per Share. The EPS has been growing by 5.34% on average per year.
CFR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.43%.
CFR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.57% yearly.
EPS 1Y (TTM)20.6%
EPS 3Y9.48%
EPS 5Y5.34%
EPS Q2Q%19.2%
Revenue 1Y (TTM)-13.43%
Revenue growth 3Y14.59%
Revenue growth 5Y8.57%
Sales Q2Q%29.77%
3.2 Future
The Earnings Per Share is expected to grow by 4.15% on average over the next years.
Based on estimates for the next years, CFR will show a small growth in Revenue. The Revenue will grow by 3.58% on average per year.
EPS Next Y12.02%
EPS Next 2Y5.55%
EPS Next 3Y4.35%
EPS Next 5Y4.15%
Revenue Next Year8.2%
Revenue Next 2Y6.32%
Revenue Next 3Y5.69%
Revenue Next 5Y3.58%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.31, which indicates a correct valuation of CFR.
CFR's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.61. CFR is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 13.10, which indicates a correct valuation of CFR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFR indicates a slightly more expensive valuation: CFR is more expensive than 68.30% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.01. CFR is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 13.1 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFR indicates a rather expensive valuation: CFR more expensive than 84.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 524.97 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CFR's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.11
PEG (5Y)2.5
EPS Next 2Y5.55%
EPS Next 3Y4.35%
5. Dividend
5.1 Amount
CFR has a Yearly Dividend Yield of 3.11%.
CFR's Dividend Yield is a higher than the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, CFR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
5.2 History
The dividend of CFR has a limited annual growth rate of 5.72%.
CFR has paid a dividend for at least 10 years, which is 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)5.72%
Div Incr Years31
Div Non Decr Years31
5.3 Sustainability
CFR pays out 41.55% of its income as dividend. 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.
DP41.55%
EPS Next 2Y5.55%
EPS Next 3Y4.35%
129.42
+0.4 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.39%
Inst Owner Change2.76%
Ins Owners0.76%
Ins Owner Change0.43%
Market Cap8.28B
Revenue(TTM)2.19B
Net Income(TTM)624.41M
Analysts65
Price Target141.56 (9.38%)
Short Float %4.74%
Short Ratio6.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
Yearly Dividend3.88
Dividend Growth(5Y)5.72%
DP41.55%
Div Incr Years31
Div Non Decr Years31
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.81%
Min EPS beat(2)2.67%
Max EPS beat(2)10.96%
EPS beat(4)4
Avg EPS beat(4)6.76%
Min EPS beat(4)2.67%
Max EPS beat(4)10.96%
EPS beat(8)6
Avg EPS beat(8)0.85%
EPS beat(12)10
Avg EPS beat(12)2.32%
EPS beat(16)14
Avg EPS beat(16)3.69%
Revenue beat(2)1
Avg Revenue beat(2)0.53%
Min Revenue beat(2)-0.69%
Max Revenue beat(2)1.75%
Revenue beat(4)3
Avg Revenue beat(4)1.5%
Min Revenue beat(4)-0.69%
Max Revenue beat(4)2.47%
Revenue beat(8)6
Avg Revenue beat(8)-0.69%
Revenue beat(12)9
Avg Revenue beat(12)0.2%
Revenue beat(16)11
Avg Revenue beat(16)5.1%
PT rev (1m)0.83%
PT rev (3m)1.93%
EPS NQ rev (1m)0.52%
EPS NQ rev (3m)3.47%
EPS NY rev (1m)1.23%
EPS NY rev (3m)4.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.11%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 13.1 | ||
| P/S | 3.78 | ||
| P/FCF | 524.97 | ||
| P/OCF | 52.52 | ||
| P/B | 1.86 | ||
| P/tB | 1.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.72
EY7.51%
EPS(NY)9.88
Fwd EY7.64%
FCF(TTM)0.25
FCFY0.19%
OCF(TTM)2.46
OCFY1.9%
SpS34.26
BVpS69.77
TBVpS69.77
PEG (NY)1.11
PEG (5Y)2.5
Graham Number123.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 14% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.5% | ||
| GM | N/A | ||
| FCFM | 0.72% |
ROA(3y)1.1%
ROA(5y)0.98%
ROE(3y)16.15%
ROE(5y)13.13%
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-4.3%
PM growth 5Y-2.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.08 | ||
| Debt/FCF | 305.69 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 162.27% | ||
| Cap/Sales | 6.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 2.52% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC11.09%
ROIC/WACCN/A
Cap/Depr(3y)168.8%
Cap/Depr(5y)149.93%
Cap/Sales(3y)6.75%
Cap/Sales(5y)6.33%
Profit Quality(3y)105.07%
Profit Quality(5y)116.76%
High Growth Momentum
Growth
EPS 1Y (TTM)20.6%
EPS 3Y9.48%
EPS 5Y5.34%
EPS Q2Q%19.2%
EPS Next Y12.02%
EPS Next 2Y5.55%
EPS Next 3Y4.35%
EPS Next 5Y4.15%
Revenue 1Y (TTM)-13.43%
Revenue growth 3Y14.59%
Revenue growth 5Y8.57%
Sales Q2Q%29.77%
Revenue Next Year8.2%
Revenue Next 2Y6.32%
Revenue Next 3Y5.69%
Revenue Next 5Y3.58%
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-97.28%
FCF growth 3Y13.92%
FCF growth 5Y15.04%
OCF growth 1Y-78.84%
OCF growth 3Y15.14%
OCF growth 5Y9.31%
CULLEN/FROST BANKERS INC / CFR 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 of CULLEN/FROST BANKERS INC (CFR) stock?
ChartMill assigns a valuation rating of 2 / 10 to CULLEN/FROST BANKERS INC (CFR). This can be considered as Overvalued.
What is the profitability of CFR stock?
CULLEN/FROST BANKERS INC (CFR) has a profitability rating of 4 / 10.
What are the PE and PB ratios of CULLEN/FROST BANKERS INC (CFR) stock?
The Price/Earnings (PE) ratio for CULLEN/FROST BANKERS INC (CFR) is 13.31 and the Price/Book (PB) ratio is 1.86.
Can you provide the financial health for CFR stock?
The financial health rating of CULLEN/FROST BANKERS INC (CFR) is 0 / 10.