CULLEN/FROST BANKERS INC (CFR) Stock Fundamental Analysis
USA - NYSE:CFR - US2298991090 - Common Stock
125.73 USD
+1.99 (+1.61%)
125.73 USD
0 (0%)
Taking everything into account, CFR scores 3 out of 10 in our fundamental rating. CFR was compared to 390 industry peers in the Banks industry. There are concerns on the financial health of CFR while its profitability can be described as average. CFR is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
CFR had positive earnings in the past year.
CFR had a positive operating cash flow in the past year.
Each year in the past 5 years CFR has been profitable.
In the past 5 years CFR always reported a positive cash flow from operatings.
1.2 Ratios
CFR's Return On Assets of 1.19% is fine compared to the rest of the industry. CFR outperforms 77.18% of its industry peers.
With an excellent Return On Equity value of 14.00%, CFR belongs to the best of the industry, outperforming 91.79% of the companies in the same industry.
| 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
The Profit Margin of CFR (28.50%) is better than 75.90% of its industry peers.
CFR's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CFR so they could not be analyzed.
| 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 86.41% of its industry peers.
CFR has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
CFR has a worse Debt to Equity ratio (1.08) than 85.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.08 | ||
| Debt/FCF | 305.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.60% over the past year.
The Earnings Per Share has been growing slightly by 5.34% on average over the past years.
The Revenue for CFR has decreased by -13.43% in the past year. This is quite bad
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
Based on estimates for the next years, CFR will show a small growth in Earnings Per Share. The EPS will grow by 3.36% on average per year.
CFR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.40% yearly.
EPS Next Y10.66%
EPS Next 2Y4.74%
EPS Next 3Y4.02%
EPS Next 5Y3.36%
Revenue Next Year7.92%
Revenue Next 2Y5.98%
Revenue Next 3Y5.58%
Revenue Next 5Y3.4%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.94 indicates a correct valuation of CFR.
Compared to the rest of the industry, the Price/Earnings ratio of CFR is on the same level as its industry peers.
CFR is valuated rather cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
CFR is valuated correctly with a Price/Forward Earnings ratio of 12.92.
68.97% of the companies in the same industry are cheaper than CFR, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, CFR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.94 | ||
| Fwd PE | 12.92 |
4.2 Price Multiples
CFR's Price/Free Cash Flow ratio is rather expensive when compared to the industry. CFR is more expensive than 84.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 513.11 | ||
| 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)1.21
PEG (5Y)2.42
EPS Next 2Y4.74%
EPS Next 3Y4.02%
5. Dividend
5.1 Amount
CFR has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.42, CFR has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, CFR pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.22% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
The dividend of CFR is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP41.55%
EPS Next 2Y4.74%
EPS Next 3Y4.02%
125.73
+1.99 (+1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.1%
Inst Owner Change-0.33%
Ins Owners0.74%
Ins Owner Change0.58%
Market Cap8.09B
Revenue(TTM)2.19B
Net Income(TTM)624.41M
Analysts65
Price Target140.4 (11.67%)
Short Float %4.52%
Short Ratio6.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.22% |
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)1.09%
PT rev (3m)1.28%
EPS NQ rev (1m)0.38%
EPS NQ rev (3m)0.89%
EPS NY rev (1m)0.04%
EPS NY rev (3m)1.48%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)0.42%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.94 | ||
| Fwd PE | 12.92 | ||
| P/S | 3.69 | ||
| P/FCF | 513.11 | ||
| P/OCF | 51.34 | ||
| P/B | 1.81 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.72
EY7.73%
EPS(NY)9.73
Fwd EY7.74%
FCF(TTM)0.25
FCFY0.19%
OCF(TTM)2.45
OCFY1.95%
SpS34.05
BVpS69.34
TBVpS69.34
PEG (NY)1.21
PEG (5Y)2.42
Graham Number123.15
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
WACC11.08%
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 Y10.66%
EPS Next 2Y4.74%
EPS Next 3Y4.02%
EPS Next 5Y3.36%
Revenue 1Y (TTM)-13.43%
Revenue growth 3Y14.59%
Revenue growth 5Y8.57%
Sales Q2Q%29.77%
Revenue Next Year7.92%
Revenue Next 2Y5.98%
Revenue Next 3Y5.58%
Revenue Next 5Y3.4%
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 3 / 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 12.94 and the Price/Book (PB) ratio is 1.81.
Can you provide the financial health for CFR stock?
The financial health rating of CULLEN/FROST BANKERS INC (CFR) is 0 / 10.