Company Analysis Cullen/Frost Bankers, Inc.
1. Summary
Advantages
- The stock's return over the last year (13.76%) is higher than the sector average (12.31%).
- Current debt level 0.4243% is below 100% and has decreased over 5 years from 0.7061%.
Disadvantages
- Price (126.57 $) is higher than fair price (117.1 $)
- Dividends (2.94%) are below the sector average (2.97%).
- The company's current efficiency (ROE=15.3%) is lower than the sector average (ROE=16.53%)
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Cullen/Frost Bankers, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -2.1% | -5.4% | -0.6% |
| 90 days | 10.5% | -7.7% | 5.7% |
| 1 year | 13.8% | 12.3% | 9% |
CFR vs Sector: Cullen/Frost Bankers, Inc. has outperformed the "Financials" sector by 1.45% over the past year.
CFR vs Market: Cullen/Frost Bankers, Inc. has outperformed the market by 4.79% over the past year.
Stable price: CFR is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CFR with weekly volatility of 0.2646% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (126.57 $) is higher than the fair price (117.1 $).
Price is higher than fair: The current price (126.57 $) is 7.5% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (14.82) is lower than that of the sector as a whole (63.37).
P/E vs Market: The company's P/E (14.82) is lower than that of the market as a whole (61.83).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (2.21) is lower than that of the sector as a whole (2.7).
P/BV vs Market: The company's P/BV (2.21) is lower than that of the market as a whole (20.82).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (4.18) is higher than that of the sector as a whole (4.12).
P/S vs Market: The company's P/S indicator (4.18) is lower than that of the market as a whole (16).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-2.07) is higher than that of the sector as a whole (-69.15).
EV/Ebitda vs Market: The company's EV/Ebitda (-2.07) is lower than that of the market as a whole (27.04).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 15.18% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (15.18%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-52.19%).
5.4. ROE
ROE vs Sector: The company's ROE (15.3%) is lower than that of the sector as a whole (16.53%).
ROE vs Market: The company's ROE (15.3%) is lower than that of the market as a whole (43%).
5.5. ROA
ROA vs Sector: The company's ROA (1.13%) is lower than that of the sector as a whole (3.56%).
ROA vs Market: The company's ROA (1.13%) is lower than that of the market as a whole (23.28%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.17%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (9.2%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 2.94% is below the average for the sector '2.97%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 2.94% has been steadily paid over the past 7 years, DSI=0.93.
Weak dividend growth: The company's dividend yield 2.94% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (42.76%) are at a comfortable level.
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