CullenFrost Bankers Financials

CFR Stock  USD 140.62  0.81  0.57%   
Based on the key indicators related to CullenFrost Bankers' liquidity, profitability, solvency, and operating efficiency, CullenFrost Bankers may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, CullenFrost Bankers' Cash And Short Term Investments are relatively stable compared to the past year. As of 12/01/2024, Net Receivables is likely to grow to about 1.3 B, while Short and Long Term Debt Total is likely to drop slightly above 211.5 M. Key indicators impacting CullenFrost Bankers' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.230.3081
Way Down
Slightly volatile
Return On Assets0.00850.0118
Way Down
Slightly volatile
Return On Equity0.0960.1609
Way Down
Slightly volatile
Debt Equity Ratio0.05690.0599
Notably Down
Slightly volatile
Operating Income748 M712.4 M
Sufficiently Up
Slightly volatile
Current Ratio27.2420.79
Significantly Up
Pretty Stable
Investors should never underestimate CullenFrost Bankers' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor CullenFrost Bankers' cash flow, debt, and profitability to make informed and accurate decisions about investing in CullenFrost Bankers.

Net Income

627.87 Million

  
Understanding current and past CullenFrost Bankers Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of CullenFrost Bankers' financial statements are interrelated, with each one affecting the others. For example, an increase in CullenFrost Bankers' assets may result in an increase in income on the income statement.

CullenFrost Bankers Stock Summary

CullenFrost Bankers competes with BancFirst, First Financial, UMB Financial, Commerce Bancshares, and Business First. CullenFrost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. CullenFrost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas. CullenFrost Bankers operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 4553 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS2298991090
CUSIP229899109
LocationTexas; U.S.A
Business Address111 West Houston
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.frostbank.com
Phone210 220 4011
CurrencyUSD - US Dollar

CullenFrost Bankers Key Financial Ratios

CullenFrost Bankers Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets33.3B41.0B48.9B52.9B50.8B53.4B
Net Debt(3.2B)(10.1B)(16.3B)(11.6B)(8.4B)(8.0B)
Retained Earnings2.7B2.8B3.0B3.3B3.7B3.8B
Accounts Payable545.7M730.2M754.3M866.3M996.2M1.0B
Cash3.4B10.3B16.5B11.8B8.6B9.0B
Other Assets3.2B5.5B413.5M31.1B32.5B16.4B
Net Receivables440.7M584.6M612.5M1.1B1.2B1.3B
Total Liab29.4B36.7B44.5B49.8B47.1B49.5B
Total Current Assets15.1B21.3B31.1B20.0B17.2B10.2B
Short Term Debt1.7B2.1B2.8B4.7B4.2B4.4B
Other Current Liab(545.7M)(730.2M)(754.3M)(866.3M)26.0B27.3B
Other Liab177.7M318.7M299.4M325.0M373.7M244.0M
Long Term Debt235.2M235.4M222.2M222.4M222.6M218.0M
Inventory(4.0B)(10.5B)(16.8B)(12.3B)(11.1B)(10.5B)
Treasury Stock(119.9M)(151.6M)(113.9M)(20.7M)(18.7M)(19.6M)
Intangible Assets2.5M1.6M866K386K347.4K330.0K
Other Current Assets4.0B10.5B16.8B12.3B9.0B7.3B
Net Tangible Assets3.1B3.5B3.6B2.3B2.7B2.7B
Long Term Debt Total235.2M235.4M222.2M222.4M200.2M194.4M
Capital Surpluse983.3M997.2M1.0B1.0B1.2B982.3M

CullenFrost Bankers Key Income Statement Accounts

The reason investors look at the income statement is to determine what CullenFrost Bankers' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense129.8M45.0M23.9M184.4M659.1M692.0M
Operating Income499.5M351.3M489.5M1.0B712.4M748.0M
Ebit499.5M332.1M470.2M649.0M712.4M748.0M
Ebitda500.6M415.7M558.8M740.2M712.4M359.1M
Net Income443.6M331.2M443.1M579.2M598.0M627.9M
Income Tax Expense55.9M20.2M46.5M89.7M114.4M120.1M
Total Revenue1.4B1.4B1.4B220.4M2.0B2.1B
Gross Profit1.4B1.4B1.4B220.4M2.2B2.3B
Income Before Tax499.5M351.3M489.5M668.8M712.4M748.0M
Tax Provision55.9M20.2M46.5M89.7M124.9M62.7M
Net Interest Income1.0B976.0M984.9M1.3B1.6B1.1B
Interest Income1.1B976.0M984.9M1.3B2.2B1.2B

CullenFrost Bankers Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(167.6M)6.5B6.3B(4.6B)(3.3B)(3.2B)
Free Cash Flow427.4M428.8M582.4M620.1M320.2M221.2M
Depreciation54.1M64.4M69.3M71.3M76.4M80.3M
Other Non Cash Items126.9M238.0M100.2M90.1M88.8M47.3M
Capital Expenditures206.7M95.4M65.9M102.5M158.6M166.6M
Net Income443.6M331.2M443.1M579.2M598.0M627.9M
End Period Cash Flow3.8B10.3B16.6B12.0B8.7B9.1B
Dividends Paid185.1M182.6M195.9M216.5M239.0M250.9M
Investments(1.2B)(1.5B)(2.5B)(8.2B)(942.8M)(989.9M)
Net Borrowings327.8M421.7M649.7M1.9B2.2B2.3B
Change To Netincome50.2M236.8M13.9M13.7M15.8M15.0M

CullenFrost Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining CullenFrost Bankers's current stock value. Our valuation model uses many indicators to compare CullenFrost Bankers value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CullenFrost Bankers competition to find correlations between indicators driving CullenFrost Bankers's intrinsic value. More Info.
CullenFrost Bankers is rated third in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for CullenFrost Bankers is roughly  14.02 . At this time, CullenFrost Bankers' Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value CullenFrost Bankers by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

CullenFrost Bankers Systematic Risk

CullenFrost Bankers' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. CullenFrost Bankers volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on CullenFrost Bankers correlated with the market. If Beta is less than 0 CullenFrost Bankers generally moves in the opposite direction as compared to the market. If CullenFrost Bankers Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one CullenFrost Bankers is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of CullenFrost Bankers is generally in the same direction as the market. If Beta > 1 CullenFrost Bankers moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in CullenFrost Bankers Stock are looking for potential investment opportunities by analyzing not only static indicators but also various CullenFrost Bankers' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of CullenFrost Bankers growth as a starting point in their analysis.

Price Earnings To Growth Ratio

15.79

At this time, CullenFrost Bankers' Price Earnings To Growth Ratio is relatively stable compared to the past year.

CullenFrost Bankers December 1, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of CullenFrost Bankers help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of CullenFrost Bankers. We use our internally-developed statistical techniques to arrive at the intrinsic value of CullenFrost Bankers based on widely used predictive technical indicators. In general, we focus on analyzing CullenFrost Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build CullenFrost Bankers's daily price indicators and compare them against related drivers.

Additional Tools for CullenFrost Stock Analysis

When running CullenFrost Bankers' price analysis, check to measure CullenFrost Bankers' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CullenFrost Bankers is operating at the current time. Most of CullenFrost Bankers' value examination focuses on studying past and present price action to predict the probability of CullenFrost Bankers' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CullenFrost Bankers' price. Additionally, you may evaluate how the addition of CullenFrost Bankers to your portfolios can decrease your overall portfolio volatility.