Cullen/Frost Bankers Inc. (CFR)
AI Score
Our AI model analyzes fundamental, technical, and statistical indicators
to predict the probability of a bullish trend over the next three months.
We regularly update and refine our models to deliver the most reliable forecasts
for you.
Bullish Probability | Sentiment | Score |
---|---|---|
+80% | Strong Buy | 10 |
+75% | Buy | 9 |
+70% | Buy | 8 |
+60% | Buy | 7 |
+50% | Hold | 6 |
+45% | Hold | 5 |
+40% | Hold | 4 |
+35% | Sell | 3 |
+30% | Sell | 2 |
+20% | Strong Sell | 1 |
139.62
0.71 (0.51%)
At close: Jan 15, 2025, 11:52 AM
Ratios (Annual)
Discover comprehensive ratio statement breakdowns that reveal insights into revenue, expenses, and beyond.
Year | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | FY09 | FY08 | FY07 | FY06 | FY05 | FY04 | FY03 | FY02 | FY01 | FY00 | FY99 | FY98 | FY97 | FY96 | FY95 | FY94 | FY93 | FY92 | FY91 | FY90 | FY89 | FY88 | FY87 | FY86 | FY85 |
PE Ratio | 11.91 | 14.81 | 18.10 | 16.52 | 13.83 | 12.31 | 16.56 | 18.09 | 13.48 | 15.77 | 18.88 | 13.98 | 14.86 | 17.69 | 16.60 | 14.39 | 14.07 | 15.99 | 17.04 | 17.74 | 15.97 | 14.28 | 19.67 | 20.00 | 14.07 | 19.32 | 25.27 | 15.98 | 12.25 | 9.27 | 8.27 | 12.37 | 653.60 | -6.59 | 35.29 | 40.14 | 28.00 | -14.05 | 14.55 |
PS Ratio | 3.67 | 38.92 | 5.85 | 3.80 | 4.48 | 4.28 | 5.01 | 4.89 | 3.53 | 4.35 | 4.86 | 3.72 | 3.71 | 4.37 | 2.11 | 3.63 | 3.79 | 4.36 | 4.53 | 4.50 | 3.94 | 3.25 | 3.13 | 4.41 | 3.02 | 3.59 | 5.24 | 3.21 | 2.36 | 1.63 | 1.91 | 1.67 | 0.79 | 0.34 | 0.60 | n/a | n/a | n/a | n/a |
PB Ratio | 1.92 | 2.73 | 1.81 | 1.27 | 1.57 | 1.66 | 1.83 | 1.83 | 1.30 | 1.54 | 1.79 | 1.38 | 1.42 | 1.79 | 1.57 | 1.69 | 2.02 | 2.25 | 2.87 | 3.05 | 2.71 | 2.37 | 2.68 | 3.80 | 2.70 | 2.85 | 3.93 | 2.32 | 1.66 | 1.17 | 1.42 | 1.45 | 0.74 | 0.31 | 0.53 | n/a | n/a | n/a | n/a |
P/FCF Ratio | 22.23 | 13.83 | 13.77 | 12.76 | 14.35 | 11.60 | 11.96 | 14.32 | 15.29 | 28.34 | 33.52 | 12.09 | 13.05 | 9.06 | 15.19 | 17.09 | 16.56 | -38.5 | 24.66 | 22.11 | 10.98 | 7.22 | 19.86 | 20.84 | 11.81 | 15.14 | 55.73 | 16.74 | 7.14 | 11.30 | 13.11 | 6.90 | 5.91 | 1.37 | -4.86 | n/a | n/a | n/a | n/a |
P/OCF Ratio | 14.87 | 11.87 | 12.37 | 10.44 | 9.68 | 9.96 | 11.20 | 12.57 | 9.57 | 15.30 | 25.87 | 11.09 | 11.78 | 8.70 | 10.85 | 12.72 | 14.83 | -58.27 | 21.29 | 19.46 | 10.30 | 6.14 | 16.30 | 16.79 | 10.05 | 12.67 | 36.64 | 13.59 | 6.61 | 7.36 | 9.06 | 5.43 | 4.02 | 1.19 | -35.29 | n/a | n/a | n/a | n/a |
OCF/S Ratio | 0.25 | 3.28 | 0.47 | 0.36 | 0.46 | 0.43 | 0.45 | 0.39 | 0.37 | 0.28 | 0.19 | 0.34 | 0.31 | 0.50 | 0.19 | 0.29 | 0.26 | -0.07 | 0.21 | 0.23 | 0.38 | 0.53 | 0.19 | 0.26 | 0.30 | 0.28 | 0.14 | 0.24 | 0.36 | 0.22 | 0.21 | 0.31 | 0.20 | 0.28 | -0.02 | n/a | n/a | n/a | n/a |
Debt / Equity Ratio | 0.06 | 0.07 | 0.05 | 0.05 | 0.06 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.09 | 0.09 | 0.10 | 0.18 | 0.21 | 0.22 | 0.27 | 0.31 | 0.42 | 0.46 | 0.33 | 0.35 | 0.42 | 0.17 | 0.19 | 0.19 | 0.57 | 0.46 | 0.33 | 1.25 | n/a | 0.07 | 0.08 | 0.09 | 0.13 | n/a | n/a | n/a | n/a |
Quick Ratio | 140.37 | 37.30 | 63.46 | 43.56 | 35.07 | 107.72 | 95.48 | 97.80 | 76.32 | 63.01 | 66.07 | 30.80 | 34.11 | 49.87 | 22.74 | 35.98 | 64.06 | 54.58 | 18.16 | 47.53 | 41.24 | 42.26 | 1.08 | 0.17 | 0.17 | 0.17 | 0.22 | 0.24 | 7.76 | 0.19 | 11.80 | 17.05 | 15.53 | 15.49 | 18.71 | n/a | n/a | n/a | n/a |
Current Ratio | 140.37 | 23.10 | 41.20 | 29.19 | 27.75 | 107.72 | 95.48 | 97.80 | 76.32 | 63.01 | 66.07 | 30.80 | 34.11 | 49.87 | 22.74 | 35.98 | 64.06 | 54.58 | 18.16 | 47.53 | 41.24 | 42.26 | 1.08 | 0.17 | 0.17 | 0.17 | 0.22 | 0.24 | 7.76 | 0.19 | 11.80 | 17.05 | 15.53 | 15.49 | 18.71 | n/a | n/a | n/a | n/a |
Asset Turnover | 0.04 | 0.00 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.09 | 0.05 | 0.06 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.04 | n/a | n/a | n/a | n/a |
Interest Coverage | 1.08 | 5.50 | 20.48 | 7.80 | 3.85 | 6.45 | 18.13 | 29.27 | 28.86 | 26.60 | 15.86 | 13.80 | 8.75 | 6.55 | 4.04 | 3.10 | 2.24 | 2.33 | 3.06 | 2.28 | 2.36 | 1.61 | 1.83 | 1.88 | 1.99 | 1.73 | 1.77 | 1.77 | 1.69 | 1.83 | 1.75 | 1.44 | 1.01 | 0.95 | 1.02 | n/a | n/a | n/a | n/a |
Return on Equity (ROE) | 0.16 | 0.18 | 0.10 | 0.08 | 0.11 | 0.14 | 0.11 | 0.10 | 0.10 | 0.10 | 0.09 | 0.10 | 0.10 | 0.10 | 0.09 | 0.12 | 0.14 | 0.14 | 0.17 | 0.17 | 0.17 | 0.17 | 0.14 | 0.19 | 0.19 | 0.15 | 0.16 | 0.15 | 0.14 | 0.13 | 0.17 | 0.12 | 0.00 | -0.05 | 0.02 | n/a | n/a | n/a | n/a |
Return on Assets (ROA) | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | -0.00 | 0.00 | n/a | n/a | n/a | n/a |
Return on Capital (ROIC) | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.04 | 0.04 | 0.03 | 0.01 | 0.01 | 0.01 | 0.31 | 0.53 | 0.49 | 0.45 | 0.45 | 0.52 | 0.04 | 0.43 | 0.03 | 0.03 | 0.04 | 0.05 | 0.06 | n/a | n/a | n/a | n/a |
Dividend Yield | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.02 | 0.03 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.00 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Payout Ratio | 0.40 | 0.37 | 0.44 | 0.55 | 0.42 | 0.38 | 0.42 | 0.47 | 0.50 | 0.49 | 0.53 | 0.49 | 0.52 | 0.52 | 0.57 | 0.47 | 0.43 | 0.38 | 0.37 | 0.38 | 0.37 | 0.38 | 0.54 | 0.36 | 0.37 | 0.40 | 0.34 | 0.33 | 0.27 | 0.20 | 0.04 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Gross Profit Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 58.97% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | n/a | n/a | n/a | n/a |
Net Profit Margin | 30.81% | 262.80% | 32.30% | 22.97% | 32.43% | 34.75% | 30.27% | 27.02% | 26.22% | 27.60% | 25.76% | 26.63% | 24.95% | 24.69% | 12.71% | 25.23% | 26.95% | 27.27% | 26.61% | 25.39% | 24.66% | 22.73% | 15.89% | 22.04% | 21.49% | 18.59% | 20.72% | 20.10% | 19.29% | 17.55% | 23.09% | 13.50% | 0.12% | -5.11% | 1.71% | n/a | n/a | n/a | n/a |
Pretax Profit Margin | 36.70% | 303.49% | 35.69% | 24.37% | 36.51% | 38.85% | 33.95% | 30.32% | 30.02% | 33.37% | 31.50% | 34.52% | 32.83% | 31.50% | 16.53% | 36.15% | 39.37% | 40.20% | 39.31% | 37.56% | 36.39% | 34.98% | 22.88% | 33.68% | 32.72% | 28.92% | 32.20% | 31.36% | 29.71% | 27.03% | 18.63% | 14.45% | 0.48% | -4.98% | 1.84% | n/a | n/a | n/a | n/a |
Operating Profit Margin | 36.70% | 460.50% | 35.69% | 24.37% | 36.51% | 45.98% | 39.99% | 31.39% | 34.85% | 38.40% | 37.70% | 41.30% | 41.38% | 41.71% | 24.79% | 53.39% | 71.16% | 70.46% | 58.39% | 25.39% | 24.66% | 23.75% | 51.90% | 72.08% | 65.89% | 68.28% | 73.80% | 72.08% | 72.96% | 59.50% | 53.04% | 59.16% | 74.40% | 96.45% | 124.00% | n/a | n/a | n/a | n/a |
FCF Margin | 16.50% | 281.37% | 42.46% | 29.75% | 31.24% | 36.90% | 41.90% | 34.12% | 23.12% | 15.36% | 14.51% | 30.78% | 28.41% | 48.22% | 13.90% | 21.24% | 22.90% | -11.33% | 18.39% | 20.37% | 35.88% | 44.93% | 15.74% | 21.16% | 25.61% | 23.73% | 9.40% | 19.19% | 33.12% | 14.41% | 14.56% | 24.20% | 13.31% | 24.60% | -12.44% | n/a | n/a | n/a | n/a |
EBITDA Margin | n/a | 335.86% | 40.74% | 28.84% | 40.47% | 42.69% | 37.92% | 34.60% | 33.97% | 37.33% | 35.67% | 38.75% | 37.15% | 35.95% | 21.20% | 43.13% | 46.91% | 47.77% | 47.25% | 45.29% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |