Financial Services - Banks - Regional - NYSE - US
$ 19.75
-0.0506 %
$ 8.89 B
Market Cap
3.03
P/E
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services.[ Read More ]
The intrinsic value of one CFR-PB stock under the base case scenario is HIDDEN Compared to the current market price of 19.8 USD, Cullen/Frost Bankers, Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart CFR-PB
FINANCIALS
1.94 B
REVENUE
712 M
OPERATING INCOME
598 M
NET INCOME
479 M
OPERATING CASH FLOW
-943 M
INVESTING CASH FLOW
-2.88 B
FINANCING CASH FLOW
518 M
REVENUE
175 M
OPERATING INCOME
150 M
NET INCOME
307 M
OPERATING CASH FLOW
179 M
INVESTING CASH FLOW
1.57 B
FINANCING CASH FLOW
Balance Sheet Decomposition
Cullen/Frost Bankers, Inc.
| Current Assets | 17.2 B |
| Cash & Short-Term Investments | 17.2 B |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 1.19 B |
| Long-Term Investments | 0 |
| PP&E | 1.19 B |
| Other Non-Current Assets | 0 |
| Current Liabilities | 0 |
| Accounts Payable | 0 |
| Short-Term Debt | 0 |
| Other Current Liabilities | 0 |
| Non-Current Liabilities | 47.1 B |
| Long-Term Debt | 223 M |
| Other Non-Current Liabilities | 46.9 B |
EFFICIENCY
Earnings Waterfall
Cullen/Frost Bankers, Inc.
| Revenue | 1.94 B |
| Cost Of Revenue | 0 |
| Gross Profit | 1.94 B |
| Operating Expenses | 1.99 B |
| Operating Income | 712 M |
| Other Expenses | 114 M |
| Net Income | 598 M |
RATIOS
100.00%
GROSS MARGIN
36.70%
OPERATING MARGIN
30.81%
NET MARGIN
16.09%
ROE
1.18%
ROA
15.18%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Cullen/Frost Bankers, Inc.
| Net Income | 598 M |
| Depreciation & Amortization | 76.4 M |
| Capital Expenditures | -159 M |
| Stock-Based Compensation | 56.9 M |
| Change in Working Capital | -296 M |
| Others | -153 M |
| Free Cash Flow | 320 M |
Wall Street Analysts Price Targets
Cullen/Frost Bankers, Inc.
CFR-PB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.65%
DIVIDEND YIELD
0.278 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Cullen/Frost Bankers, Inc.
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
2 years ago
Jun 23, 2022
|
Bought 109 USD
|
CHASE ANTHONY R
Director |
+ 1
|
109 USD |
|
1 year ago
May 19, 2023
|
Sell 405 K USD
|
FROST PATRICK B
President of Frost Bank |
- 4017
|
100.7 USD |
|
1 year ago
May 19, 2023
|
Sell 264 K USD
|
FROST PATRICK B
President of Frost Bank |
- 2600
|
101.7 USD |
|
1 year ago
May 05, 2023
|
Bought 100 K USD
|
Kasanoff Howard L.
GEVP Chief Credit Officer |
+ 1000
|
100.5 USD |
|
1 year ago
May 15, 2023
|
Bought 197 K USD
|
John Howard Willome
Director |
+ 2000
|
98.6562 USD |
|
1 year ago
May 10, 2023
|
Bought 479 K USD
|
Avery Chris
Director |
+ 5000
|
95.75 USD |
|
1 year ago
May 04, 2023
|
Bought 143 K USD
|
Berman Bobby
GEVP Research & Strategy |
+ 1500
|
95.25 USD |
|
1 year ago
Mar 13, 2023
|
Bought 161 K USD
|
Severyn Carol Jean
GEVP and Chief Risk Officer |
+ 1500
|
107.3 USD |
|
1 year ago
Mar 15, 2023
|
Bought 75.8 K USD
|
Wolfshohl Candace K
GEVP Culture/PeopleDevelopment |
+ 700
|
108.2799 USD |
|
1 year ago
Mar 13, 2023
|
Bought 108 K USD
|
John Howard Willome
Director |
+ 1000
|
108.3 USD |
|
1 year ago
Mar 13, 2023
|
Bought 106 K USD
|
John Howard Willome
Director |
+ 1000
|
105.7 USD |
|
1 year ago
Mar 13, 2023
|
Bought 540 K USD
|
Avery Chris
Director |
+ 5000
|
108.085 USD |
|
1 year ago
Mar 13, 2023
|
Bought 1.01 M USD
|
GREEN PHILLIP D
Chairman and CEO |
+ 9500
|
106.5918 USD |
|
1 year ago
Feb 14, 2023
|
Sell 766 K USD
|
Bracher Paul
President of CFR |
- 5848
|
130.97 USD |
|
2 years ago
Oct 28, 2022
|
Sell 294 K USD
|
Berman Bobby
GEVP Research & Strategy |
- 1941
|
151.62 USD |
7. News
8. Profile Summary
Cullen/Frost Bankers, Inc. CFR-PB
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 8.89 B
Dividend Yield
1.65%
Description
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate 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, and foreign exchange services. Further, it acts as a correspondent for approximately 171 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; and holds securities for investment purposes, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 157 financial centers and 1,650 ATMs. The company 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.
Contact
111 West Houston Street, San Antonio, TX, 78205
https://www.frostbank.com
IPO Date
Nov. 13, 2020
Employees
5495
Officers
Mr. Coolidge E. Rhodes Jr.
Group Executive Vice President, General Counsel & Corporate Secretary
Ms. Annette Alonzo
Group Executive Vice President & Chief Human Resources Officer
Ms. Candace Wolfshohl
Group Executive Vice President of Culture & People Development
Mr. Paul H. Bracher
President
Ms. Carole Kilpatrick
Senior Vice President of Private Client Services for Allen Financial Center
Mr. Robert A. Berman
Group Executive Vice President of Research & Strategy
Mr. Matthew B. Henson
Executive Vice President & Director of External Reporting
Mr. A. B. Mendez C.F.A.
Director of Investor Relations
Mr. Jimmy M. Stead
Group Executive Vice President and Chief Consumer Banking Officer & Technology Officer
Mr. Jerry Salinas
Group Executive Vice President, Chief Financial Officer & Chief Accounting Officer