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Overview
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Cullen/Frost Bankers stock

CFR
US2298991090
906913

Price

135.96
Today +/-
+1.60
Today %
+1.23 %

Cullen/Frost Bankers stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Cullen/Frost Bankers stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Cullen/Frost Bankers stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Cullen/Frost Bankers stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Cullen/Frost Bankers's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Cullen/Frost Bankers Stock Price History

DateCullen/Frost Bankers Price
12/24/2024135.96 undefined
12/23/2024134.30 undefined
12/20/2024132.87 undefined
12/19/2024131.28 undefined
12/18/2024130.79 undefined
12/17/2024136.62 undefined
12/16/2024139.57 undefined
12/13/2024137.80 undefined
12/12/2024137.56 undefined
12/11/2024138.35 undefined
12/10/2024137.41 undefined
12/9/2024137.13 undefined
12/6/2024138.26 undefined
12/5/2024138.22 undefined
12/4/2024140.25 undefined
12/3/2024139.39 undefined
12/2/2024140.10 undefined
11/29/2024140.62 undefined
11/27/2024142.38 undefined

Cullen/Frost Bankers Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Cullen/Frost Bankers, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Cullen/Frost Bankers from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Cullen/Frost Bankers’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Cullen/Frost Bankers. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Cullen/Frost Bankers’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Cullen/Frost Bankers’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Cullen/Frost Bankers’s growth potential.

Cullen/Frost Bankers Revenue, EBIT and net profit per share

DateCullen/Frost Bankers RevenueCullen/Frost Bankers Net Income
2028e2.31 B undefined590.71 M undefined
2027e2.17 B undefined512.34 M undefined
2026e2.26 B undefined562.42 M undefined
2025e2.16 B undefined553.82 M undefined
2024e2.11 B undefined560.57 M undefined
20232.65 B undefined585.02 M undefined
20221.88 B undefined567.3 M undefined
20211.4 B undefined432 M undefined
20201.49 B undefined320.5 M undefined
20191.5 B undefined431.8 M undefined
20181.4 B undefined443.7 M undefined
20171.23 B undefined354.1 M undefined
20161.14 B undefined295.1 M undefined
20151.08 B undefined270.3 M undefined
20141.02 B undefined268.9 M undefined
2013945.3 M undefined230.3 M undefined
2012920.4 M undefined237.2 M undefined
2011913 M undefined216.8 M undefined
2010899.3 M undefined207.9 M undefined
2009916.7 M undefined178.3 M undefined
2008963 M undefined206.4 M undefined
20071.04 B undefined212.1 M undefined
2006924.7 M undefined193.6 M undefined
2005740.2 M undefined165.4 M undefined
2004556.5 M undefined141.3 M undefined

Cullen/Frost Bankers Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
198319841985198619871988198919901991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e
0.320.360.350.330.290.310.350.320.290.250.30.320.390.440.510.560.60.680.640.590.530.560.740.921.040.960.920.90.910.920.951.021.081.141.231.41.51.491.41.882.652.112.162.262.172.31
-13.04-3.57-7.41-10.157.5311.15-7.45-10.84-12.8518.736.7123.5812.7214.0011.686.0313.21-4.87-8.39-10.345.1033.0924.8612.23-7.14-4.88-1.861.560.772.728.045.585.578.0014.086.78-0.73-6.1234.7740.74-20.452.524.68-3.986.59
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0000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000724690698798798
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--168.18-33.33-160.00-133.33---500.00--116.67-21.1529.2716.9817.742.7429.3311.34-25.9346.2511.118.4617.0216.979.84-2.83-13.5916.294.359.72-2.9516.520.759.2620.0025.14-2.71-25.7535.0031.253.17-4.27-1.251.63-8.9015.23
----------------------------------------------
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31.333.633.431.835.837.238.138.640.344.153.253.55454.554.854.754.753.753.352.452.753.153.756.559.659.259.560.661.361.661.16363.56364.764.763.46364.164.564.400000
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Details

Keystats

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Revenue and Growth

The Cullen/Frost Bankers Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Cullen/Frost Bankers is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (B)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (B)TOTAL CAPITAL (B)
19831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                                                 
00000000000000000000000000000000000000000
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00000000000000000000000000000000000000000
00000000000000000000000000000000000000000
00000000000000000026211614153832241914118612975422100
0000000000000000009898991021695245275275285285285365376556556556556556556556556550
00000000000000000000000000000000000000000
0.10.090.090.090.070.060.070.070.080.080.090.090.090.10.130.140.140.150.270.290.280.290.370.780.780.820.870.860.860.860.861.111.221.191.181.211.671.71.711.761.19
0.10.090.090.090.070.060.070.070.080.080.090.090.090.10.130.140.140.150.270.290.280.290.370.780.780.820.870.860.860.860.861.111.221.191.181.211.671.71.711.761.19
                                                                                 
36363640414243444652555656112134011111111111111145145145145145145145146146146146.1
0.050.050.050.060.060.060.060.070.070.10.110.120.120.060.050.180.190.190.190.20.20.210.290.550.570.590.60.660.680.70.720.890.90.910.950.970.9811.011.031.06
0.060.070.080.070.070.070.070.060.060.050.10.130.160.20.280.320.380.450.480.550.630.70.780.880.991.081.151.251.361.481.581.711.851.992.192.442.672.752.963.313.66
0000000000000098-39-4-14314-16-57-55-713715415421-7-6-49-47-41-38-47-46-51-33-35-24.43
00000000009-3880000000000000022724614719116116117-16313564380-1,314-1,094.79
0.150.160.160.170.170.180.180.170.180.210.270.30.340.380.480.510.530.630.660.780.830.91.011.381.561.811.912.062.292.422.592.8833.013.363.494.064.414.463.143.74
25313637393840473440504010293114107102122120122156141457167145296206227331424218250203169195172222407441544527.62
000000000000000000000000000000000000324323313322316.4
00000000000000000000000000000000000000000
0.250.280.310.270.280.280.280.140.090.120.170.370.110.170.20.310.330.360.310.810.420.510.740.860.931.070.480.480.720.560.670.80.890.981.151.371.72.122.774.714.14
00000000000000000000000000000000000000000
0.280.310.350.310.320.320.320.190.120.160.220.410.210.270.320.410.440.490.430.930.580.651.21.031.081.370.690.71.050.990.891.051.11.151.341.542.242.853.525.584.99
517075564742231615130000989899102251271256378415429400393393374224224224237236236235235235235222222222.62
00000000000000000000000000000000000000000
00000000000000000000000000000000000000000
517075564742231615130000989899102251271256378415429400393393374224224224237236236235235235235222222222.62
0.330.380.420.370.370.360.350.20.140.180.220.410.210.270.410.510.530.590.681.20.831.031.611.461.481.761.081.081.281.211.111.291.331.381.581.782.483.083.745.85.21
0.480.540.590.530.540.530.520.380.310.380.490.710.550.650.891.021.061.221.331.981.671.922.622.843.043.572.993.143.563.633.74.174.334.44.945.266.547.498.28.948.95
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Cullen/Frost Bankers provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Cullen/Frost Bankers's financial health and stability.

Assets

Cullen/Frost Bankers's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Cullen/Frost Bankers must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Cullen/Frost Bankers after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Cullen/Frost Bankers's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
22-80244737466273759710880117130141165193212207179208217238237278279304364454443331443579597
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00000-62-1-3-6-5-6-1-7-7-350-1011-948-63-4-19-11-14527-157-4-14
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-20-13-14-10-13-17-14-22-15-1000-5-51-62-6-25-20-5122730365072808510110912513312512394
0000000000000000000000564602214131124891244929169616
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0.20.12-0.25-0.160.04-0.030.140.090.430.170.52-0.150.490.630.94-0.010.160.91-0.050.011.041.131.072.272.471.241.80.071.491.040.250.597.618.173-2.88
0.20.13-0.24-0.160.04-0.020.150.110.450.210.54-0.090.580.541.010.050.120.960.010.221.131.211.162.522.581.31.910.31.551.230.50.827.88.333.2-2.6
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0.06-0.04-0.13-0.190.170.01-0.050.10.29-0.13-0.040.010.240.090.93-0.43-0.340.62-0.47-0.250.040.481.10.090.621.03-0.19-0.770.550.91-1.1-0.176.56.29-4.55-3.34
18-19.639.522.143.229.730.779.555.230.198.3122.710582.3239.4189.9113.4114.3-80.6175.2166.9195.6407.7247.7275.1134157.9247.8384.2504483.1427.4428.8582.4620.1320.22
000000000000000000000000000000000000

Cullen/Frost Bankers stock margins

The Cullen/Frost Bankers margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Cullen/Frost Bankers. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Cullen/Frost Bankers.

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Cullen/Frost Bankers's sales revenue. A higher gross margin percentage indicates that the Cullen/Frost Bankers retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Cullen/Frost Bankers's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Cullen/Frost Bankers's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Cullen/Frost Bankers's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Cullen/Frost Bankers. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Cullen/Frost Bankers's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Cullen/Frost Bankers Margin History

DateCullen/Frost Bankers Profit margin
2028e25.55 %
2027e23.61 %
2026e24.9 %
2025e25.66 %
2024e26.63 %
202322.11 %
202230.17 %
202130.96 %
202021.56 %
201928.83 %
201831.64 %
201728.8 %
201625.93 %
201525.07 %
201426.32 %
201324.36 %
201225.77 %
201123.75 %
201023.12 %
200919.45 %
200821.43 %
200720.45 %
200620.94 %
200522.35 %
200425.39 %

Cullen/Frost Bankers Stock Sales Revenue, EBIT, Earnings per Share

The Cullen/Frost Bankers earnings per share therefore indicates how much revenue Cullen/Frost Bankers has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

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  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Cullen/Frost Bankers earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Cullen/Frost Bankers's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Cullen/Frost Bankers’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Cullen/Frost Bankers's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Cullen/Frost Bankers Revenue, EBIT and net profit per share

DateCullen/Frost Bankers Sales per ShareCullen/Frost Bankers Earnings per Share
2028e36.05 undefined9.21 undefined
2027e33.84 undefined7.99 undefined
2026e35.23 undefined8.77 undefined
2025e33.65 undefined8.64 undefined
2024e32.82 undefined8.74 undefined
202341.09 undefined9.08 undefined
202229.16 undefined8.8 undefined
202121.77 undefined6.74 undefined
202023.6 undefined5.09 undefined
201923.62 undefined6.81 undefined
201821.68 undefined6.86 undefined
201719 undefined5.47 undefined
201618.07 undefined4.68 undefined
201516.98 undefined4.26 undefined
201416.22 undefined4.27 undefined
201315.47 undefined3.77 undefined
201214.94 undefined3.85 undefined
201114.89 undefined3.54 undefined
201014.84 undefined3.43 undefined
200915.41 undefined3 undefined
200816.27 undefined3.49 undefined
200717.4 undefined3.56 undefined
200616.37 undefined3.43 undefined
200513.78 undefined3.08 undefined
200410.48 undefined2.66 undefined

Cullen/Frost Bankers business model

Cullen/Frost Bankers Inc. is a financial institution located in the state of Texas, USA. It was founded in 1868 as the Frost National Bank by Thomas Frost and his partners. In 1899, the Cullen Bank was opened by Col. Edward M. House and William M. Rice. The two banks merged in 1977 to form the present-day Cullen/Frost Bankers Inc. Cullen/Frost Bankers Inc.'s business model is primarily focused on regional operations. This means that the bank is largely limited to serving businesses and individuals in Texas, which has proven to be very effective in terms of its business success. Cullen/Frost Bankers Inc. operates in three main business segments: banking, insurance, and investment. In the banking business, Cullen/Frost Bankers Inc. is a solid regional bank. It offers lending, deposit services, and traditional online banking. The bank's lending focus is on loans for residential and commercial real estate, healthcare facilities, and energy sector companies. Additionally, the bank offers investment services to affluent individuals and families, providing a holistic approach that encompasses both banking and investment. In the insurance industry, Cullen/Frost Bankers Inc. has a group of companies under its subsidiary "Frost Insurance" that offers a variety of products. Frost Insurance specializes in meeting the insurance needs of customers in the construction industry, as well as businesses and individual customers. The offered insurance products include general liability insurance, auto insurance, and risk analysis for businesses and individuals. Cullen/Frost Bankers Inc.'s investment business is conducted by its subsidiaries "Cullen/Frost Securities" and "Waddell & Reed". Cullen/Frost Securities provides advice and support on stocks, bonds, derivatives, and other investment products. Waddell & Reed is an investment fund platform that offers customers a wide range of investment opportunities. In conclusion, Cullen/Frost Bankers Inc. is a solid regional financial institution. Throughout its over 150-year history, it has weathered the ups and downs of the economy and has proven to be extremely successful. The company's business model is focused on regional operations, which has helped it succeed in its business segments. It offers a wide range of financial products, making it an important provider of banking, insurance, and investment services for both individuals and businesses in Texas. Cullen/Frost Bankers is one of the most popular companies on Eulerpool.com.

Cullen/Frost Bankers SWOT Analysis

Strengths

1. Strong brand reputation: Cullen/Frost Bankers Inc has a long-standing history and a highly regarded reputation in the banking industry.

2. Wide range of financial products and services: The company offers a comprehensive suite of banking and financial services, including commercial and consumer banking, investment banking, and wealth management.

3. Solid financial performance: Cullen/Frost Bankers Inc has consistently demonstrated strong financial performance, with steady revenue growth and healthy profitability ratios.

Weaknesses

1. Concentration risk: The bank's business is primarily focused on the Texas market, making it vulnerable to regional economic fluctuations and potential downturns.

2. Limited geographic presence: While the company has expanded beyond Texas in recent years, its footprint is still relatively small compared to some national competitors.

3. Dependency on interest rates: Cullen/Frost Bankers Inc is susceptible to changes in interest rates, which can impact its net interest margin and overall profitability.

Opportunities

1. Market expansion: There is an opportunity for Cullen/Frost Bankers Inc to further expand its presence in neighboring states or other regions to reduce concentration risk and drive growth.

2. Technology advancement: Investing in digital banking solutions and innovative technologies can enhance customer experience, increase operational efficiency, and attract tech-savvy customers.

3. Mergers and acquisitions: The company may explore strategic mergers or acquisitions to gain market share, expand its product offerings, or enter new geographic markets.

Threats

1. Intense competition: Cullen/Frost Bankers Inc operates in a highly competitive market, facing competition from large national banks, regional players, and online financial institutions.

2. Regulatory environment: Ongoing changes in banking regulations and compliance requirements can increase operational costs and impact the bank's ability to offer certain products or services.

3. Economic downturn: A recession or economic slowdown can lead to increased loan defaults, reduced loan demand, and overall negative impacts on the bank's financial performance.

Cullen/Frost Bankers Revenue by Segment

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Details

Revenue by Segment

ⓘ

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Cullen/Frost Bankers Revenue by Segment

Segmente2022201920182017201620152014
Frost Wealth Advisors180.52 M USD------

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Details

Revenue by Segment

ⓘ

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Cullen/Frost Bankers Revenue by Segment

Segmente2022201920182017201620152014
Banking1.53 B USD1.23 B USD1.18 B USD1.06 B USD999.42 M USD938.28 M USD877.46 M USD
Frost Wealth Advisors-149.91 M USD142.13 M USD146.46 M USD131.44 M USD129.12 M USD129 M USD
Non-Banks-10.76 M USD-10.81 M USD-10.47 M USD-7.97 M USD-4.81 M USD-2.04 M USD621,000 USD
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Cullen/Frost Bankers Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Cullen/Frost Bankers historical P/E ratio, EBIT multiple, and P/S ratio

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Cullen/Frost Bankers shares outstanding

The number of shares was Cullen/Frost Bankers in 2023 — This indicates how many shares 64.405 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Cullen/Frost Bankers earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Cullen/Frost Bankers's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Cullen/Frost Bankers’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Cullen/Frost Bankers's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Cullen/Frost Bankers stock splits

In Cullen/Frost Bankers's history, there have been no stock splits.

Cullen/Frost Bankers dividend history and estimates

In 2023, Cullen/Frost Bankers paid a dividend amounting to 3.58 USD. Dividend means that Cullen/Frost Bankers distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Cullen/Frost Bankers provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Cullen/Frost Bankers’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Cullen/Frost Bankers's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Cullen/Frost Bankers Dividend History

DateCullen/Frost Bankers Dividend
2028e3.95 undefined
2027e3.95 undefined
2026e3.95 undefined
2025e3.96 undefined
2024e3.96 undefined
20233.58 undefined
20223.24 undefined
20212.94 undefined
20202.85 undefined
20192.8 undefined
20182.58 undefined
20172.25 undefined
20162.15 undefined
20152.1 undefined
20142.03 undefined
20131.98 undefined
20121.9 undefined
20111.83 undefined
20101.78 undefined
20091.71 undefined
20081.66 undefined
20071.54 undefined
20061.32 undefined
20051.17 undefined
20041.04 undefined

Cullen/Frost Bankers dividend payout ratio

In 2023, Cullen/Frost Bankers had a payout ratio of 45.49%. The payout ratio indicates the percentage of the company's profits that Cullen/Frost Bankers distributes as dividends.

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Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Cullen/Frost Bankers represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Cullen/Frost Bankers could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Cullen/Frost Bankers's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Cullen/Frost Bankers Payout Ratio History

DateCullen/Frost Bankers Payout ratio
2028e42.19 %
2027e42.14 %
2026e42.98 %
2025e41.45 %
2024e41.99 %
202345.49 %
202236.86 %
202143.62 %
202055.99 %
201941.12 %
201837.61 %
201741.13 %
201645.84 %
201549.3 %
201447.54 %
201352.52 %
201249.35 %
201151.69 %
201051.9 %
200957 %
200847.56 %
200743.26 %
200638.48 %
200537.82 %
200438.91 %
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Unfortunately, there are currently no price targets and forecasts available for Cullen/Frost Bankers.

Cullen/Frost Bankers latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20242.2 2.24  (2 %)2024 Q3
6/30/20242.09 2.21  (5.72 %)2024 Q2
3/31/20242.14 2.06  (-3.85 %)2024 Q1
12/31/20232.04 1.55  (-24.13 %)2023 Q4
9/30/20232.17 2.38  (9.8 %)2023 Q3
6/30/20232.42 2.47  (2.01 %)2023 Q2
3/31/20232.58 2.7  (4.82 %)2023 Q1
12/31/20222.79 2.91  (4.44 %)2022 Q4
9/30/20222.25 2.59  (14.99 %)2022 Q3
6/30/20221.78 1.81  (1.47 %)2022 Q2
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Eulerpool ESG Scorecard© for the Cullen/Frost Bankers stock

Eulerpool World ESG Rating (EESG©)

21/ 100

🌱 Environment

2

👫 Social

37

🏛️ Governance

25

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Cullen/Frost Bankers shareholders

%
Name
Stocks
Change
Date
9.87860 % The Vanguard Group, Inc.6,335,147-8,7046/30/2024
9.32010 % Aristotle Capital Management, LLC5,976,980-195,6136/30/2024
8.24625 % BlackRock Institutional Trust Company, N.A.5,288,319-24,1896/30/2024
5.76227 % Cullen/Frost Bankers Inc3,695,341100,2431/31/2024
5.43932 % State Street Global Advisors (US)3,488,236-70,7156/30/2024
4.94249 % Champlain Investment Partners, LLC3,169,616-22,8706/30/2024
2.49846 % Luther King Capital Management Corp.1,602,265-255,0926/30/2024
2.24293 % Neuberger Berman, LLC1,438,388-38,1006/30/2024
2.16944 % Fidelity Management & Research Company LLC1,391,26550,3486/30/2024
1.71122 % Montrusco Bolton Investments Inc.1,097,403387,9086/30/2024
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Cullen/Frost Bankers Executives and Management Board

Mr. Phillip Green

(68)
Cullen/Frost Bankers Chairman of the Board, Chief Executive Officer (since 1985)
Compensation 6.37 M

Mr. Paul Bracher

(66)
Cullen/Frost Bankers President, Group Executive Vice President and Chief Banking Officer of Frost Bank
Compensation 2.09 M

Mr. Jerry Salinas

(64)
Cullen/Frost Bankers Chief Financial Officer, Group Executive Vice President
Compensation 2.07 M

Mr. Jimmy Stead

(47)
Cullen/Frost Bankers Group Executive Vice President and Chief Consumer Banking and Technology Officer
Compensation 1.91 M

Mr. Coolidge Rhodes

(47)
Cullen/Frost Bankers Group Executive Vice President, General Counsel and Corporate Secretary
Compensation 1.81 M
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4
...
5

Cullen/Frost Bankers Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Cincinnati Financial Stock
Cincinnati Financial
SupplierCustomer0,870,390,610,470,530,93
American International Group Stock
American International Group
SupplierCustomer0,860,770,660,730,890,98
Travelers Stock
Travelers
SupplierCustomer0,780,210,650,540,730,95
Chubb Stock
Chubb
SupplierCustomer0,670,550,520,500,850,96
State Street Stock
State Street
SupplierCustomer0,580,580,770,380,260,82
W. R. Berkley Stock
W. R. Berkley
SupplierCustomer0,400,31-0,140,220,700,87
BlackRock Stock
BlackRock
SupplierCustomer0,350,870,85 -0,390,66
Whitestone REIT Stock
Whitestone REIT
SupplierCustomer0,290,300,800,340,700,88
Blend Labs A Stock
Blend Labs A
SupplierCustomer0,130,850,610,33
Bottomline Technologies Stock
Bottomline Technologies
SupplierCustomer-0,070,28-0,010,440,810,30
1

Most common questions regarding Cullen/Frost Bankers

What values and corporate philosophy does Cullen/Frost Bankers represent?

Cullen/Frost Bankers Inc represents strong values and a sound corporate philosophy. As a leading banking institution, the company is committed to integrity, trust, and client satisfaction. Cullen/Frost Bankers Inc prioritizes transparency and ethical practices in its operations, ensuring that customers' interests always come first. With a focus on building long-term relationships, the company emphasizes personalized service and strives to exceed expectations. Cullen/Frost Bankers Inc's commitment to community involvement further demonstrates its dedication to social responsibility. By upholding these values, Cullen/Frost Bankers Inc establishes itself as a trusted and reliable financial partner for individuals and businesses alike.

In which countries and regions is Cullen/Frost Bankers primarily present?

Cullen/Frost Bankers Inc is primarily present in the United States, focusing on serving customers in Texas.

What significant milestones has the company Cullen/Frost Bankers achieved?

Cullen/Frost Bankers Inc, a leading financial institution, has achieved several significant milestones throughout its distinguished history. The company's commitment to excellence has earned it a prominent position in the industry. Over the years, Cullen/Frost Bankers Inc has successfully expanded its operations, encompassing a wide range of banking services and geographical regions. It has also consistently delivered strong financial performance, showcasing its ability to adapt and thrive in challenging market conditions. Cullen/Frost Bankers Inc has received numerous accolades and recognition for its exceptional customer service, reliability, and corporate governance. Through its dedication to innovation and customer-centric approach, the company continues to solidify its position as a trusted and respected name in the financial sector.

What is the history and background of the company Cullen/Frost Bankers?

Cullen/Frost Bankers Inc, founded in 1868, is an American financial holding company based in San Antonio, Texas. With a rich history spanning over 150 years, Cullen/Frost Bankers has established itself as a reputable and resilient institution within the banking sector. The company operates through its subsidiary, Frost Bank, which offers a wide range of financial services to individuals, businesses, and institutions. Cullen/Frost Bankers has successfully navigated various economic cycles and emerged as one of the strongest banks in Texas. Its commitment to customer service, financial stability, and community involvement has positioned Cullen/Frost Bankers as a trusted and reliable player in the financial industry.

Who are the main competitors of Cullen/Frost Bankers in the market?

Some of the main competitors of Cullen/Frost Bankers Inc in the market include other major financial institutions such as JPMorgan Chase & Co., Bank of America Corporation, Wells Fargo & Company, and Citigroup Inc. These competitors, like Cullen/Frost Bankers Inc, offer a wide range of financial services and products to individual and business customers. However, Cullen/Frost Bankers Inc differentiates itself through its strong focus on commercial and business banking, as well as its commitment to providing exceptional customer service and maintaining long-term relationships with its clients.

In which industries is Cullen/Frost Bankers primarily active?

Cullen/Frost Bankers Inc is primarily active in the financial services industry.

What is the business model of Cullen/Frost Bankers?

Cullen/Frost Bankers Inc operates as a financial holding company, providing a wide range of banking and financial services. The company follows a diversified business model, offering commercial and consumer banking, investment, and insurance services to individuals and businesses across various industries. Cullen/Frost Bankers Inc focuses on building long-term relationships with its customers and providing personalized solutions to meet their financial needs. With a strong emphasis on exceptional customer service and prudent risk management, the company aims to enhance shareholder value while contributing to the economic growth of the communities it serves.

What is the P/E ratio of Cullen/Frost Bankers 2024?

The Cullen/Frost Bankers P/E ratio is 15.62.

What is the P/S ratio of Cullen/Frost Bankers 2024?

The Cullen/Frost Bankers P/S ratio is 4.16.

What is the Quality Investing of Cullen/Frost Bankers?

The Quality Investing for Cullen/Frost Bankers is 6/10.

What is the revenue of Cullen/Frost Bankers 2024?

The expected Cullen/Frost Bankers revenue is 2.11 B USD.

How high is the profit of Cullen/Frost Bankers 2024?

The expected Cullen/Frost Bankers profit is 560.57 M USD.

What is the business model of Cullen/Frost Bankers

Cullen/Frost Bankers Inc. is a US holding company based in San Antonio, Texas. Their main business is focused on banking and includes various divisions such as commercial loans, personal loans, investments, and wealth management. They offer a wide range of products and services tailored to individual customer needs, including checking and savings accounts, credit and debit cards, mortgages, investment products like stocks, bonds, funds, and derivatives, as well as wealth management services. They also provide insurance and retirement plan brokerage services. The commercial loan department offers financing solutions for business and trade loans, as well as real estate development loans, for both small and large companies. They also offer specialized financing such as growth capital and acquisition financing. The personal loan department provides loans for residential properties, home renovations, and vehicle purchases. They also facilitate student loans and other consumer credits. The investment division offers financial products and services for wealth building, including stocks, bonds, funds, and derivatives, for both private and business clients. The wealth management division focuses on comprehensive asset management, offering services such as individual asset management, financial planning, and tax advice. They work with financial advisors and the company's reserve managers to provide customized asset management solutions. The customer service department offers a wide range of services including online and mobile banking, customer service, and other support services. The bank also provides financial expertise and consulting services based on market research. Most of the services offered by Cullen/Frost Bankers Inc. are independent of market trends, regulatory trends, and customer interests. The company aligns its business activities with applicable regulations to provide customers with legal protection. The bank also regularly delivers investment products to keep customers up to date and meet their needs. Their business model combines various products and services to meet market demands.

What is the Cullen/Frost Bankers dividend?

Cullen/Frost Bankers pays a dividend of 3.24 USD distributed over 4 payouts per year.

How often does Cullen/Frost Bankers pay dividends?

Cullen/Frost Bankers pays out a dividend 4 times a year.

What is the Cullen/Frost Bankers ISIN?

The ISIN of Cullen/Frost Bankers is US2298991090.

What is the Cullen/Frost Bankers WKN?

The WKN of Cullen/Frost Bankers is 906913.

What is the Cullen/Frost Bankers ticker?

The ticker of Cullen/Frost Bankers is CFR.

How much dividend does Cullen/Frost Bankers pay?

Over the past 12 months, Cullen/Frost Bankers paid a dividend of 3.58 USD . This corresponds to a dividend yield of about 2.63 %. For the coming 12 months, Cullen/Frost Bankers is expected to pay a dividend of 3.96 USD.

What is the dividend yield of Cullen/Frost Bankers?

The current dividend yield of Cullen/Frost Bankers is 2.63 %.

When does Cullen/Frost Bankers pay dividends?

Cullen/Frost Bankers pays a quarterly dividend. This is distributed in the months of March, June, September, December.

How secure is the dividend of Cullen/Frost Bankers?

Cullen/Frost Bankers paid dividends every year for the past 41 years.

What is the dividend of Cullen/Frost Bankers?

For the upcoming 12 months, dividends amounting to 3.96 USD are expected. This corresponds to a dividend yield of 2.91 %.

In which sector is Cullen/Frost Bankers located?

Cullen/Frost Bankers is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Cullen/Frost Bankers kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Cullen/Frost Bankers from 12/13/2024 amounting to 0.95 USD, you needed to have the stock in your portfolio before the ex-date on 11/29/2024.

When did Cullen/Frost Bankers pay the last dividend?

The last dividend was paid out on 12/13/2024.

What was the dividend of Cullen/Frost Bankers in the year 2023?

In the year 2023, Cullen/Frost Bankers distributed 3.24 USD as dividends.

In which currency does Cullen/Frost Bankers pay out the dividend?

The dividends of Cullen/Frost Bankers are distributed in USD.

All fundamentals about Cullen/Frost Bankers

Our stock analysis for Cullen/Frost Bankers Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Cullen/Frost Bankers Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.