Cullen/Frost Bankers Inc. (CFR)
Cullen/Frost Bankers Statistics
Share Statistics
Cullen/Frost Bankers has 64.28M shares outstanding. The number of shares has increased by 0.04% in one year.
| Shares Outstanding | 64.28M |
| Shares Change (YoY) | 0.04% |
| Shares Change (QoQ) | 0.23% |
| Owned by Institutions (%) | 84.75% |
| Shares Floating | 59.56M |
| Failed to Deliver (FTD) Shares | 49.38K |
| FTD / Avg. Volume | 9.36% |
Short Selling Information
The latest short interest is 2.34M, so 3.65% of the outstanding shares have been sold short.
| Short Interest | 2.34M |
| Short % of Shares Out | 3.65% |
| Short % of Float | 4.19% |
| Short Ratio (days to cover) | 4.17 |
Valuation Ratios
The PE ratio is 15.07 and the forward PE ratio is 12.17. Cullen/Frost Bankers's PEG ratio is 7.07.
| PE Ratio | 15.07 |
| Forward PE | 12.17 |
| PS Ratio | 4.25 |
| Forward PS | 3 |
| PB Ratio | 2.25 |
| P/FCF Ratio | 8.87 |
| PEG Ratio | 7.07 |
Enterprise Valuation
Cullen/Frost Bankers has an Enterprise Value (EV) of 8.28B.
| EV / Sales | 4.01 |
| EV / EBITDA | 0 |
| EV / EBIT | 8.37 |
| EV / FCF | 8.37 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.06.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.06 |
| Debt / EBITDA | - |
| Debt / FCF | 0.23 |
| Interest Coverage | -1.99 |
Financial Efficiency
Return on Equity is 14.94% and Return on Invested Capital is -7.7%.
| Return on Equity | 14.94% |
| Return on Assets | 1.11% |
| Return on Invested Capital | -7.7% |
| Revenue Per Employee | $352.53K |
| Profits Per Employee | $99.51K |
| Employee Count | 5,854 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 113.42M |
| Effective Tax Rate | 16.3% |
Stock Price Statistics
The stock price has increased by 2.27% in the last 52 weeks. The beta is 0.81, so Cullen/Frost Bankers's price volatility has been higher than the market average.
| Beta | 0.81 |
| 52-Week Price Change | 2.27% |
| 50-Day Moving Average | 126.68 |
| 200-Day Moving Average | 124.08 |
| Relative Strength Index (RSI) | 40.76 |
| Average Volume (20 Days) | 527.5K |
Income Statement
In the last 12 months, Cullen/Frost Bankers had revenue of 2.06B and earned 582.54M in profits. Earnings per share was 9.1.
| Revenue | 2.06B |
| Gross Profit | 2.39B |
| Operating Income | -1.56B |
| Net Income | 582.54M |
| EBITDA | 0 |
| EBIT | -82.82M |
| Earnings Per Share (EPS) | 9.1 |
Balance Sheet
The company has 722.91M in cash and 222.83M in debt, giving a net cash position of 500.07M.
| Cash & Cash Equivalents | 722.91M |
| Total Debt | 222.83M |
| Net Cash | 500.07M |
| Retained Earnings | 3.95B |
| Total Assets | 52.52B |
| Working Capital | 25.26B |
Cash Flow
In the last 12 months, operating cash flow was 989.53M and capital expenditures 0, giving a free cash flow of 989.53M.
| Operating Cash Flow | 989.53M |
| Capital Expenditures | 0 |
| Free Cash Flow | 989.53M |
| FCF Per Share | 15.13 |
Margins
Gross margin is 115.84%, with operating and profit margins of -75.83% and 28.23%.
| Gross Margin | 115.84% |
| Operating Margin | -75.83% |
| Pretax Margin | 33.72% |
| Profit Margin | 28.23% |
| EBITDA Margin | n/a |
| EBIT Margin | -75.83% |
| FCF Margin | 47.95% |
Dividends & Yields
CFR pays an annual dividend of $4.69, which amounts to a dividend yield of 2.75%.
| Dividend Per Share | $4.69 |
| Dividend Yield | 2.75% |
| Dividend Growth (YoY) | 3.26% |
| Payout Ratio | 52.87% |
| Earnings Yield | 6.63% |
| FCF Yield | 11.27% |
Analyst Forecast
The average price target for CFR is $130, which is 16.5% higher than the current price. The consensus rating is "Hold".
| Price Target | $130 |
| Price Target Difference | 16.5% |
| Analyst Consensus | Hold |
| Analyst Count | 13 |
Stock Splits
The last stock split was on Jun 23, 1999. It was a forward split with a ratio of 2:1.
| Last Split Date | Jun 23, 1999 |
| Split Type | forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | 0.83 |
| Piotroski F-Score | 5 |