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Financial Services - Banks - Regional - NYSE - US
$ 17.044
1.13 %
$ 1.1 B
Market Cap
2.63
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CFR-PB stock under the worst case scenario is HIDDEN Compared to the current market price of 17 USD, Cullen/Frost Bankers, Inc. is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CFR-PB stock under the base case scenario is HIDDEN Compared to the current market price of 17 USD, Cullen/Frost Bankers, Inc. is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CFR-PB stock under the best case scenario is HIDDEN Compared to the current market price of 17 USD, Cullen/Frost Bankers, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CFR-PB

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$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
2.06 B REVENUE
6.32%
696 M OPERATING INCOME
-2.30%
583 M NET INCOME
-2.58%
990 M OPERATING CASH FLOW
106.65%
-181 M INVESTING CASH FLOW
80.81%
738 M FINANCING CASH FLOW
125.66%
540 M REVENUE
-25.15%
0 OPERATING INCOME
0.00%
151 M NET INCOME
-1.66%
-296 M OPERATING CASH FLOW
-460.50%
-1.82 B INVESTING CASH FLOW
-517.73%
-266 M FINANCING CASH FLOW
-21.02%
Balance Sheet Cullen/Frost Bankers, Inc.
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Current Assets 15.8 B
Cash & Short-Term Investments 15.8 B
Receivables 0
Other Current Assets 0
Non-Current Assets 1.25 B
Long-Term Investments 18.6 B
PP&E 1.25 B
Other Non-Current Assets -18.6 B
92.68 %109.40 %7.32 %Total Assets$17.0b
Current Liabilities 32.3 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 32.3 B
Non-Current Liabilities 223 M
Long-Term Debt 223 M
Other Non-Current Liabilities 0
99.31 %Total Liabilities$32.5b
EFFICIENCY
Earnings Waterfall Cullen/Frost Bankers, Inc.
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Revenue 2.06 B
Cost Of Revenue 0
Gross Profit 2.06 B
Operating Expenses 2.06 B
Operating Income 696 M
Other Expenses 113 M
Net Income 583 M
3b3b2b2b2b2b1b1b500m500m002b02b(2b)696m(113m)583mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
33.72% OPERATING MARGIN
33.72%
28.23% NET MARGIN
28.23%
14.94% ROE
14.94%
1.11% ROA
1.11%
-3.81% ROIC
-3.81%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Cullen/Frost Bankers, Inc.
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900m900m800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 583 M
Depreciation & Amortization 128 M
Capital Expenditures 0
Stock-Based Compensation 19.8 M
Change in Working Capital 230 M
Others 62.7 M
Free Cash Flow 862 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Cullen/Frost Bankers, Inc.
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CFR-PB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.79% DIVIDEND YIELD
0.278 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.358470.278130.278130.278130.278130.278130.278130.278130.278130.278130.278130.278130.278130.278130.278131.190.278131.110.278131.110.278131.110.562021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Cullen/Frost Bankers, Inc.
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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
7. News
8. Profile Summary

Cullen/Frost Bankers, Inc. CFR-PB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.1 B
Dividend Yield 0.79%
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 5854
Officers Mr. Daniel J. Geddes Group Executive Vice President & Chief Financial Officer Mr. Matthew B. Henson Executive Vice President & Chief Accounting Officer Ms. Carole Kilpatrick Senior Vice President of Private Client Services for Allen Financial Center Mr. Jimmy M. Stead Group Executive Vice President and Chief Consumer Banking Officer & Technology Officer Mr. Coolidge E. Rhodes Jr. Group Executive Vice President, General Counsel & Corporate Secretary Mr. Phillip D. Green J.D. Chairman of the Board & Chief Executive Officer Mr. Robert A. Berman Group Executive Vice President of Research & Strategy Mr. Paul H. Bracher President, Group Executive Vice President & Chief Banking Officer Mr. A. B. Mendez C.F.A. Director of Investor Relations Ms. Annette Alonzo Group Executive Vice President & Chief Human Resources Officer