Cullen/Frost Bankers, Inc. Profile Avatar - Palmy Investing

Cullen/Frost Bankers, Inc.

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 t…
Banks - Regional
US, San Antonio [HQ]

FA

Fundamental Analysis · Most Recent Quarter

It is important to understand the FA Algorithm and the criterias before valuing it as a top-tier resource.

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Framework:
Valuation 28% Weak
Profitability n.A. n.A.
Fin. Growth 50% Balanced
Leverage & Liquidity 17% Weak
Per Share Metrics 33% Weak
Fin. Health n.A. n.A.
Fundamentals

Valuation

Metric Q4 Q1 Δ in %
EV/EBITDA 40.69 -5.98 -10.09
Graham Fair Price 13.67 51.90 45.66
PEG -21.83 0.38 -0.49
Price/Book 5.55 1.98 1.87
Price/Cash Flow -71.64 15.97 -56.31
Prices/Earnings -21.90 13.25 16.96
Price/Sales 3.43 14.34 13.86
Price/FCF -71.64 15.97 -56.31
Naive Interpretation member
01 - Valuation · Weak
Fundamentals

Profitability

Metric Q4 Q1 Δ in %
Gross Profit Margin 16.77 1.17 1.00
Operating Margin 33.98 0.32 0.24
ROA 35.90 < 0.005 < 0.005
ROE 0.03 0.04 35.16
ROIC 0.01 0.02 36.87
Naive Interpretation member
02 - Profitability · Not Interpreted
Fundamentals

Financial Growth

Metric Q4 Q1 Δ in %
Debt QOQ < 0.005 < 0.005 -1.88
Dividends QOQ < 0.005 < 0.005 -79.14
EBIT QOQ -0.35 0.34 -4.50
EPS QOQ -0.35 0.35 -0.10
FCF QOQ -1.60 4.64 190.14
Revenue QOQ -0.11 < 0.005 99.10
Naive Interpretation member
03 - Financial Growth · Balanced
Fundamentals

Leverage & Liquidity

Metric Q4 Q1 Δ in %
Assets Turnover n.A. n.A. n.A.
Days Inventory Outstanding (DIO) 0.00 0.00 0.00
Days Sales Outstanding (DSO) 0.00 0.00 0.00
Inventory Turnover 0.00 0.00 0.00
Debt/Capitalization 0.54 0.54 -1.07
Quick Ratio 0.83 0.82 -2.27
Naive Interpretation member
04 - Leverage & Liquidity · Weak
Fundamentals

Per Share Metrics

Metric Q4 Q1 Δ in %
Book Value 57.94 56.66 -2.22
Cash 392.60 366.91 -6.54
Capex -0.63 -0.59 5.99
Free Cash Flow -1.93 7.01 263.93
Revenue 7.83 7.81 -0.21
Naive Interpretation member
05 - Per Share Metrics · Weak
Fundamentals

Financial Health

Metric Q4 Q1 Δ in %
Current Ratio 0.83 0.54 -34.91
Debt/Assets n.A. n.A. n.A.
Debt/Equity n.A. n.A. n.A.
Net Debt/EBITDA -59.48 -50.49 15.12
Naive Interpretation Member
06 - Financial Health · Bad
End of CFR's Analysis
CIK: 39263 CUSIP: 229899109 ISIN: US2298991090 LEI: - UEI: -
Secondary Listings
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