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]
Ratios
15 Sheets · Starting from 2023Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 58.97 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 111.60 | |
| Profit Margin | 12.71 | 24.69 | 24.95 | 26.63 | 25.76 | 27.60 | 26.22 | 27.02 | 30.27 | 34.75 | 32.43 | 22.97 | 32.30 | 262.80 | 30.09 | |
| Operating Margin | 24.79 | 41.71 | 41.38 | 41.30 | 37.70 | 38.40 | 34.85 | 31.39 | 39.99 | 45.98 | 36.51 | 24.37 | 35.69 | 460.50 | 35.85 | |
|
EPS Growth
|
-14.53 | 14.67 | 3.20 | 9.01 | -1.29 | 13.09 | -0.23 | 9.75 | 17.55 | 28.42 | -3.64 | -25.73 | 32.88 | 30.19 | 3.05 | |
| EPS USD | 300.00 | 344.00 | 355.00 | 387.00 | 382.00 | 432.00 | 431.00 | 473.00 | 556.00 | 714.00 | 688.00 | 511.00 | 679.00 | 884.00 | 911.00 | |
| Return on Assets (ROA) | 1.10 | 1.19 | 1.07 | 1.03 | 0.98 | 0.98 | 0.98 | 1.01 | 1.15 | 1.41 | 1.33 | 0.81 | 0.91 | 1.09 | 1.18 | |
| Return on Equity (ROE) | 9.45 | 10.13 | 9.53 | 9.84 | 9.46 | 9.75 | 9.66 | 10.13 | 11.04 | 13.50 | 11.34 | 7.71 | 9.98 | 18.46 | 16.09 | |
| Return on Invested Capital (ROIC) | 11.74 | 11.35 | 10.93 | 10.78 | 10.40 | 10.36 | 10.37 | 7.47 | 9.16 | 10.83 | 7.56 | 4.96 | 5.94 | 10.84 | 7.37 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 2.41 | 2.12 | 1.10 | 0.97 | 0.92 | 0.84 | 0.83 | 4.02 | 4.36 | 4.96 | 5.88 | 5.82 | 6.18 | 9.39 | 8.65 | |
| Debt/Equity | 20.73 | 18.13 | 9.80 | 9.25 | 8.90 | 8.32 | 8.20 | 40.40 | 41.92 | 47.57 | 50.07 | 55.55 | 68.04 | 158.33 | 118.36 | |
| Debt/EBITDA | -372.23 | -666.82 | -729.81 | -862.41 | -1,226.36 | -1,049.63 | -877.55 | -967.62 | -965.06 | -473.17 | -638.52 | -2,853.94 | -3,328.78 | -1,142.29 | -1,176.35 | |
|
Debt/Capitalization
|
17.17 | 15.35 | 8.92 | 8.47 | 8.17 | 7.68 | 7.58 | 28.78 | 29.54 | 32.23 | 33.36 | 35.71 | 40.49 | 61.29 | 54.20 | |
| Long-Term Debt/Capitalization | 6.70 | 15.35 | 8.92 | 8.47 | 8.17 | 7.68 | 7.58 | 7.29 | 6.64 | 6.52 | 5.67 | 5.20 | 4.77 | 6.62 | 5.65 | |
| Interest Debt per Share USD | 8.06 | 7.08 | 4.34 | 4.09 | 4.07 | 4.05 | 3.98 | 19.64 | 22.12 | 26.62 | 33.29 | 38.74 | 47.87 | 80.29 | 78.78 | |
| Debt Growth | - - | -4.81 | -40.14 | -0.01 | - - | 5.99 | - - | -0.42 | -0.59 | 0.09 | 0.09 | 0.09 | -5.60 | 0.10 | 0.10 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 2,274.11 | 4,986.75 | 3,410.74 | 3,080.46 | 6,606.99 | 6,301.02 | 7,632.25 | 9,779.80 | 9,547.79 | 10,771.62 | 2,774.84 | 2,918.55 | 4,119.99 | 2,310.30 | 57.01 | |
| Quick Ratio | 1,519.22 | 3,652.27 | 3,335.65 | 2,341.00 | 4,913.08 | 5,250.06 | 6,454.02 | 8,706.11 | 8,091.00 | 8,799.57 | 2,774.84 | 2,918.55 | 4,119.99 | 3,595.01 | 83.49 | |
| Cash Ratio | 371.33 | 1,217.65 | 872.54 | 810.60 | 2,078.59 | 1,731.89 | 1,740.18 | 2,437.93 | 2,508.40 | 1,926.79 | 628.89 | 1,409.01 | 2,192.82 | 1,364.54 | 28.52 | |
| Operating Cash Flow Ratio | - - | 100 | - - | - - | - - | 100 | 100 | 200 | 200 | 300 | 100 | - - | - - | - - | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Receivables Turnover | 334.51 | 234.62 | 239.71 | 305.68 | 324.52 | 294.92 | 312.25 | 283.89 | 300.07 | 286.02 | 310.43 | 246.59 | 223.93 | 20.45 | - - | |
| Payables Turnover | 280.98 | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
8.65 | 4.80 | 4.29 | 3.86 | 3.80 | 3.56 | 3.73 | 3.73 | 3.79 | 4.05 | 4.11 | 3.52 | 2.81 | 0.42 | 3.91 | |
| Fixed Turnover | 434.47 | 266.79 | 273.25 | 282.86 | 294.70 | 227.39 | 190.54 | 214.15 | 230.90 | 237.03 | 135.18 | 137.86 | 130.59 | 19.99 | 166.99 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 404.18 | 654.57 | 874.66 | 1,379.78 | 1,586.49 | 2,660.35 | 2,886.33 | 2,927.19 | 1,813.37 | 645.18 | 384.86 | 780.12 | 2,048.10 | 550.24 | 108.09 | |
| Asset Coverage | 4,000 | 4,600 | 8,900 | 10,100 | 10,700 | 11,800 | 11,900 | 13,100 | 13,900 | 14,200 | 14,600 | 18,000 | 22,900 | 25,500 | 11,100 | |
| Cash Flow Coverage (CFGR) | 69.76 | 113.59 | 122.63 | 134.10 | 77.60 | 120.90 | 165.94 | 36.09 | 38.92 | 35.09 | 32.37 | 21.98 | 21.46 | 14.55 | 10.89 | |
| EBITDA Coverage | 400 | 600 | 800 | 1,300 | 1,600 | 2,600 | 2,900 | 3,300 | 1,800 | 600 | 300 | 700 | 2,000 | 500 | 100 | |
| Dividend Coverage | -100 | -100 | -100 | -200 | -100 | -200 | -100 | -200 | -200 | -200 | -200 | -100 | -200 | -200 | -200 | |
| Time Interest Earned (TIE) | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | 200 | -100 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 3.44 | 2.93 | 3.47 | 3.51 | 2.81 | 3.08 | 3.72 | 2.60 | 2.53 | 3.10 | 3.02 | 3.34 | 2.44 | 2.52 | 3.43 | |
| Earnings Yield | 6.02 | 5.65 | 6.73 | 7.15 | 5.30 | 6.34 | 7.42 | 5.53 | 6.04 | 8.12 | 7.23 | 6.05 | 5.53 | 6.75 | 8.59 | |
|
Price/Earnings (P/E)
|
1,660.47 | 1,768.66 | 1,486.13 | 1,398.03 | 1,888.40 | 1,577.38 | 1,348.05 | 1,808.79 | 1,655.54 | 1,231.48 | 1,382.98 | 1,652.32 | 1,809.98 | 1,481.10 | 1,164.85 | |
| Price/Earnings Growth (PEG) | -114.28 | 120.59 | 464.75 | 155.09 | -1,461.62 | 120.51 | -5,823.57 | 185.62 | 94.35 | 43.34 | -379.79 | -64.23 | 55.05 | 49.06 | 381.38 | |
|
Price/Book (P/B)
|
156.92 | 179.09 | 141.57 | 137.61 | 178.66 | 153.78 | 130.28 | 183.29 | 182.80 | 166.29 | 156.82 | 127.46 | 180.62 | 273.44 | 187.42 | |
| Price/Tangible Book (P/TB) | 156.92 | 179.09 | 141.57 | 137.61 | 178.66 | 153.78 | 130.28 | 183.29 | 182.80 | 166.29 | 156.82 | 127.46 | 180.62 | 273.44 | 187.42 | |
| Price/Sales (P/S) | 211.12 | 436.71 | 370.83 | 372.25 | 486.46 | 435.39 | 353.45 | 488.74 | 501.18 | 427.92 | 448.49 | 379.59 | 584.70 | 3,892.26 | 350.52 | |
|
Price/Cash Flow (P/CF)
|
1,085.24 | 869.74 | 1,178.29 | 1,108.88 | 2,587.38 | 1,529.55 | 956.99 | 1,256.95 | 1,120.40 | 996.15 | 967.51 | 1,043.73 | 1,237.04 | 1,187.10 | 1,454.65 | |
| Price/Free CF (P/FCF) | 1,519.32 | 905.63 | 1,305.41 | 1,209.21 | 3,351.95 | 2,834.37 | 1,528.56 | 1,432.47 | 1,196.18 | 1,159.60 | 1,435.49 | 1,275.98 | 1,376.90 | 1,383.33 | 2,175.26 | |
| Price/Operating CF (P/OCF) | 1,085.24 | 869.74 | 1,178.29 | 1,108.88 | 2,587.38 | 1,529.55 | 956.99 | 1,256.95 | 1,120.40 | 996.15 | 967.51 | 1,043.73 | 1,237.04 | 1,187.10 | 1,454.65 |