Stock CFR CULLEN/FROST BANKERS, INC.
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Financials Cullen/Frost Bankers, Inc.

Equities

CFR

US2298991090

Banks

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
107.1 USD -3.30% Intraday chart for Cullen/Frost Bankers, Inc. -4.01% -1.30%
Apr. 25 Tranche Update on Cullen/Frost Bankers, Inc.'s Equity Buyback Plan announced on January 25, 2024. CI
Apr. 25 Tranche Update on Cullen/Frost Bankers, Inc.'s Equity Buyback Plan announced on February 3, 2023. CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 6,118 5,483 8,033 8,597 6,948 6,880 - -
Enterprise Value (EV) 1 6,118 5,483 8,033 8,597 6,948 6,880 6,880 6,880
P/E ratio 14.3 x 17.1 x 18.6 x 15.2 x 11.9 x 12.6 x 12.6 x -
Yield 2.86% 3.27% 2.33% 2.42% 3.3% 3.5% 3.62% 3.92%
Capitalization / Revenue 4.18 x 3.57 x 5.49 x 4.8 x 3.34 x 3.31 x 3.19 x 2.91 x
EV / Revenue 4.18 x 3.57 x 5.49 x 4.8 x 3.34 x 3.31 x 3.19 x 2.91 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.63 x 1.33 x 1.88 x 2.88 x 1.95 x 1.79 x 1.68 x 1.31 x
Nbr of stocks (in thousands) 62,565 62,855 63,715 64,299 64,047 64,254 - -
Reference price 2 97.78 87.23 126.1 133.7 108.5 107.1 107.1 107.1
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,464 1,536 1,464 1,792 2,080 2,079 2,154 2,365
EBITDA - - - - - - - -
EBIT 1 629.8 687.5 489.6 767.5 851.6 719.8 705.6 -
Operating Margin 43.01% 44.75% 33.44% 42.84% 40.94% 34.63% 32.75% -
Earnings before Tax (EBT) 1 499.5 351.3 489.5 668.8 712.4 671 664.5 -
Net income 1 435.5 323.6 435.9 572.5 591.3 547.6 546.1 -
Net margin 29.74% 21.06% 29.78% 31.95% 28.42% 26.34% 25.35% -
EPS 2 6.840 5.100 6.760 8.810 9.100 8.467 8.476 -
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 2.800 2.850 2.940 3.240 3.580 3.753 3.878 4.200
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 373.1 373.6 409.3 479.3 529.6 531.1 512.1 513.4 523.7 522.7 508.4 521.1 530 520.4 527.5
EBITDA - - - - - - - - - - - - - - -
EBIT 1 111.2 111.7 139.8 197.5 248.3 219.9 227.1 220.1 158.4 196.5 177.5 181.5 178.7 166.4 171.8
Operating Margin 29.8% 29.91% 34.15% 41.2% 46.88% 41.41% 44.34% 42.87% 30.26% 37.6% 34.92% 34.83% 33.71% 31.98% 32.56%
Earnings before Tax (EBT) 1 111.2 111.7 139.8 197.5 219.8 210.8 193.9 187 120.7 161.6 162.7 167.9 168.3 160.4 164.5
Net income 1 99.35 97.43 117.4 168.1 189.5 176 160.4 154 100.9 134 134.5 138.3 137.9 133 135.9
Net margin 26.63% 26.08% 28.69% 35.07% 35.78% 33.14% 31.33% 30% 19.26% 25.64% 26.46% 26.53% 26.01% 25.56% 25.76%
EPS 2 1.540 1.500 1.810 2.590 2.910 2.700 2.470 2.380 1.550 2.060 2.087 2.143 2.146 2.025 2.098
Dividend per Share 2 0.7500 0.7500 0.7500 0.8700 0.8700 0.8700 0.8700 0.9200 0.9200 - 0.9262 0.9562 0.9562 0.9643 0.9643
Announcement Date 1/27/22 4/28/22 7/28/22 10/27/22 1/26/23 4/27/23 7/27/23 10/26/23 1/25/24 4/25/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 12.2% 8.11% 10.4% 16.9% 18.7% 15.1% 14.3% 13.2%
ROA (Net income/ Total Assets) 1.36% 0.85% 0.95% 1.11% 1.19% 1.09% 1.05% -
Assets 1 32,025 38,073 45,887 51,574 49,689 50,055 52,149 -
Book Value Per Share 2 60.10 65.80 67.10 46.50 55.60 60.00 63.60 82.10
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Cullen/Frost Bankers, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
15
Last Close Price
107.1 USD
Average target price
118.4 USD
Spread / Average Target
+10.60%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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