Cullen/Frost Bankers, Inc. (CFR)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 1,441 | 1,372 | 1,696 | 1,987 | 2,064 | 2,235 | 2,021 | - |
| Operating profit | $m | 772 | 813 | ||||||
| Net profit | $m | 331 | 443 | 579 | 598 | 583 | 649 | 684 | 707 |
| EPS reported | $ | 9.92 | 10.58 | ||||||
| Operating cashflow per share | $ | 4.28 | 11.46 | ||||||
| Capex per share | $ | 2.29 | 1.18 | ||||||
| FCF per share | $ | 1.99 | 10.28 | ||||||
| Free cash flow | $m | 127 | 646 | ||||||
| Net debt | $m | -5,215 | 4,727 | ||||||
| Book value equity | $m | 4,573 | 4,623 | ||||||
| Book value per share | $ | 71.34 | 73.64 | ||||||
| Number of shares | m | 64.1 | 62.78 | ||||||
| DPS (TTM paid) | $ | 3.95 | 4.06 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.77 | 14.88 | ||||||
| P/B LTM | x | 1.77 | 1.75 | ||||||
| P/S LTM | x | 3.63 | 4.01 | ||||||
| P/FCF LTM | x | 63.70 | 12.56 | ||||||
| EV/EBITDA LTM | x | 4.67 | 4.45 | ||||||
| EV/Sales LTM | x | 1.37 | 5.61 | ||||||
| Earnings Yield LTM | % | +7.83% | +6.72% | ||||||
| FCF Yield | % | +1.57% | +7.96% | ||||||
| Quality | |||||||||
| ROE | % | +14.18% | +15.04% | ||||||
| ROIC | % | +6.41% | +1.27% | ||||||
| Operating margin | % | +26.43% | +30.75% | ||||||
| Gross margin | % | +75.04% | +85.82% | ||||||
| FCF/Sales | % | +4.36% | +24.42% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +11.84% | +19.28% | ||||||
| Sales Growth YoY | % | +8.31% | -2.07% | ||||||
| Net Income Growth YoY | % | +11.33% | +17.36% | ||||||
| FCF Growth | % | -85.22% | -25.08% | ||||||
| Operating Profit Growth | % | +10.88% | +16.81% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.23% | +2.50% | ||||||
| Dividend Growth | % | +5.61% | +8.56% | ||||||
| Payout Ratio | % | +41.21% | +39.31% | ||||||
| FCF/Debt | x | 0.03 | 0.12 | ||||||
| Net Debt/EBITDA | x | -4.77 | 5.24 | ||||||
| EBIT/Net interest | x | 1.13 | 1.31 | ||||||
| Net debt/market cap | % | +58.78% | +50.81% | ||||||
| Net debt/Equity | x | -1.14 | 1.02 | ||||||
| Gross debt/equity | x | 1.04 | 1.17 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage 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 transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It 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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Cullen/Frost Bankers, Inc. (CFR)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage 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 transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It 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.
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