NYSE: CFR - Cullen/Frost Bankers, Inc.

Yield per half year: -10.23%
Dividend yield: +3.08%
Sector: Financials

Reporting Cullen/Frost Bankers, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
4.45 3.78 5.65 6.06 5.54 6.16 8.97 8.19 6.86 6.22 7.14 4.37
Выручка, млрд $
1.13 1.2 1.31 1.37 1.44 1.37 0.2204 1.99 2.06 2.06 1.42 7.42
Чистая прибыль, млрд $
0.304 0.364 0.4549 0.4436 0.3312 0.4431 0.5792 0.598 0.5825 0.5825 0.5068 11.95
EV, млрд $
1.14 2.49 2.56 2.95 -4.59 -8.19 -3.1 -1.47 7.91 7.91 -1.8880 -211.50
EBIT, млрд $
0.3713 0.3535 0.481 0.602 0.6292 0.3964 0.582 0.649 0.7124 0.7124 0.5938 2.51
EBITDA, млрд $
0.3618 0.3896 0.4366 0.6522 0.6304 0.3973 0.5827 0.7402 0.7124 0.7124 0.6126 2.48
Баланс стоимость, млрд $
1.99 2.19 3.37 3.91 4.29 4.44 3.14 3.72 3.9 3.9 3.90 -1.89
FCF, млрд $
0.384 0.504 0.4831 0.4274 0.4288 0.5824 0.6201 0.3202 0.9895 0.9895 0.5882 18.20
Операционный денежный поток, млрд $
0.4378 0.5381 0.5624 0.6341 0.5242 0.6483 0.7226 0.4788 0.9895 0.9895 0.6727 13.55
Операционная прибыль, млрд $
0.3414 0.4084 0.5087 0.6292 0.3964 0.582 1.01 0.7124 -1.56 -1.56 0.2282 -231.52
Операционные расходы, млрд $
0.797 0.821 0.894 0.998 0.8489 0.882 0.0886 -1.51 2.06 2.06 0.4739 19.40
CAPEX, млрд $
0.054 0.034 0.0793 0.2067 0.0954 0.0659 0.1025 0.1586 0.1278 0.1278 0.1100 6.02


Balance sheet

IFRS
Reporting Annual Quarterly
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
4.12 4.89 3.32 3.43 10.29 16.54 11.82 8.6 0.7229 0.7229 9.59 -41.21
Short Term Investments $
10.2 10.49 11.39 11.27 10.44 13.92 18.24 16.58 15.04 15.04 14.84 7.57
Long term investments $
13.83 14.03 14.09 14.44 15.1 16.67 17.24 30.04 35.2 20.23 23.88 3.95
Total Receivables $
0.3415 0.3412 0.3967 0.4009 0.4577 0.4407 0.5846 0.6125 1.08 1.08 0.6351 18.73
Total Current Assets $
16.54 18.62 18.56 15.14 21.31 31.08 20.01 17.2 15.77 15.77 21.07 -5.84
Чистые активы, млрд $
2.89 3 3.3 18.56 15.14 21.31 33.47 1.1 18.62 1.1 17.93 4.22
Активы, млрд $
30.2 31.75 32.29 33.31 40.96 48.9 52.89 50.85 52.52 52.52 49.22 5.10
Short Term Debt $
1.18 0.977 1.15 1.37 1.72 2.15 2.8 4.74 4.18 4.18 3.12 19.43
Long Term Debt $
0.2361 0.2347 0.235 0.2352 0.2354 0.2222 0.2224 0.2226 0.2228 0.2228 0.2251 -1.09
Задолженность, млрд $
27.19 28.45 28.92 29.4 36.67 44.46 49.76 47.13 48.62 48.62 45.33 5.80
Чистый долг, млрд $
-2.64 -3.24 -3.09 -3.2 -10.05 -16.32 -11.6 -8.38 -0.7229 -0.7229 -9.4146 -40.93
Долг, млрд $
1.49 0.2347 0.235 0.2352 0.2354 0.2222 4.97 0.2226 0.2228 0.2228 1.17 -1.09
Interest income $
0.7495 0.7884 0.8929 1.05 1.13 0.976 0.9849 1.29 2.22 1.32 14.46
Расходы на обслуживание долга $
0.0121 0.0265 0.0933 0.1298 0.045 0.0239 0.1844 0.6591 0.786 0.786 0.3397 77.19
Чист. проц. доходы, млрд $
0.7366 0.7763 0.8929 1.05 1.13 0.976 0.9849 1.29 2.22 2.22 1.32 14.46
Goodwill $
0.5366 0.654 0.6547 0.655 0.655 0.655 0.655 0.655 0.655 0.655 0.6550 0.00
Амортизация, млрд $
0.0482 0.0017 0.0014 0.0012 0.000918 0.000697 0.0912 0.0764 0.0828 0.0828 0.0504 146.06
Себестоимость, млрд $
0.0687 0.0368 0.0425 0.0309 0.0647 0.0637 0.062 -0.2305 -0.3269 -0.3269 -0.0734 -238.26
Товарно материальные запасы $
0.0119 0.0053 0.0023 0.0024 0.0021 0.0012 0.0011 0.00085 0.0034 12.3 2.46 534.08


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 4.7 5.51 7.03 6.99 5.26 6.91 8.98 9.32 9.09 9.09 7.91 11.56
Цена акции ао 88.23 94.65 87.94 97.78 87.23 131.58 108.49 134.25 125.34 125.34 117.38 7.52
Число акций ао, млн 63 64 64 63 63 64 64.52 64.19 64.09 64.09 63.96 0.34
FCF/акцию 6.1 7.75 7.47 6.74 6.81 9.09 9.61 4.99 15.44 15.44 9.19 17.79


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 10.53 11.78 13.65 12.19 8.07 10.15 15.29 17.45 15.3 15.3 10.84 13.25 13.65
ROA, % 1 1.14 1.42 1.35 0.8917 0.9862 1.14 1.15 1.13 1.13 3.71 1.06 4.85
ROIC, % 9 8.93 9.39 10.31 12.62 10.7 0.01 9.5 10.1 15.35 8.01 9.13 7.48
ROS, % 36.15 45.98 46 27.5 37.43 262.8 30.09 28.23 28.23 28.23 23.12 77.36 -5.49
ROCE, % 11.77 14.59 16.7 1.92 0.9852 1.21 1.25 3.44 18.27 18.27 -0.57 5.03 79.33
Ebit margin, % 36.51 18.64 29.28 294.49 35.85 34.52 34.52 82.56 13.12
Рентаб EBITDA, % 34.6 36.3 49.81 46.09 27.56 42.49 335.86 35.85 34.52 34.52 33.45 95.26 4.61
Чистая рентаб, % 27.02 30.27 34.75 32.43 22.97 32.3 262.8 30.09 28.23 28.23 23.02 75.28 4.21
Operation Margin, % 33.95 38.85 36.51 0.02 35.69 460.5 35.85 -75.83 -75.83 -75.83 34.35 76.08 -216.27
Чистая процентная маржа, % 24.94 26.7 25.37 26.2 29.43 33.89 31.57 22.23 31.78 30.25 25.36 29.78 1.55
Доходность FCF, % 3.3 5.54 10.16 8.79 7.06 7.21 9.05 7.86 7.1 4.67 7.18 -8.32


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
20.5 18 12.4 13.86 16.49 18.36 14.68 11.55 14.82 14.82 22.00 15.18 -2.11
P/BV
1.9 2 1.67 1.57 1.27 1.83 2.71 1.86 2.21 2.21 2.50 1.98 11.72
P/S
5 5.2 4.31 4.49 3.79 5.93 38.57 3.47 4.18 4.18 4.83 11.19 1.98
P/FCF
10.8 10.72 13.89 12.79 13.93 14.08 10.03 19.42 6.29 6.29 7.77 12.75 -14.70
E/P
0.0614 0.0665 0.0749 0.0699 0.0598 0.0663 0.0872 0.0961 0.0937 0.0937 1.16 0.0806 9.40
EV/EBIT
5.91 -16.96 -20.51 -4.77 -2.07 -2.07 11.1 11.1 -3.6640 -188.44
EV/EBITDA
3.19 5.94 27.37 3.92 4.68 -11.56 -14.05 -4.19 -2.07 -2.07 29.48 -5.4380 -184.95
EV/S
2.01 3.91 3.25 -2.19 -4.45 -14.06 -0.7422 3.83 3.83 3.83 5.45 -2.3184 -197.04
EV/FCF
4.8 10.6 10.41 -7.38 -10.49 -5 -4.61 7.99 7.99 7.99 11.12 -0.8240 -194.70
Debt/EBITDA
24.56 0.3603 0.373 0.5925 0.3813 6.71 0.3125 6.17 0.3128 0.3128 -6.06 2.78 -3.88
Netdebt/Ebitda
-7.11 -5.52 -5.77 -24.18 -29.2 -15.67 -11.76 -11.76 -1.01 -1.01 -6.58 -13.8800 -48.97
Debt/Ratio
0.9 0.9 0.89 0.9 0.91 0.0939 0.0044 0.0042 0.0042 0.0042 0.19 0.2033 -65.89
Debt/Equity
8.63 8.59 7.7 8.87 10.46 1.58 0.0599 0.0572 12.47 12.47 7.45 4.93 3.58
Debt/Net Income
3.8 3.52 4.42 7.2 6.82 8.58 0.3723 0.3825 0.3825 0.3825 20.98 3.31 -43.80
PEG
3.18 3.18 3.18 0.00
Бета
1.47 1.3 1.06 1.41 2.95 1.66 1.66 -0.07 1.68 5.01
Индекс Альтмана
-0.18 -0.18 -0.19 -0.73 0.2776 -2.61 0.1443 0.1604 -0.6922 -0.6922 4.38 -0.5440 -220.05


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.1402 0.1522 0.1735 0.1851 0.1826 0.1959 0.2165 0.239 0.0067 0.2325 0.1681 -48.37
Дивиденд
2.15 2.25 2.58 2.8 2.85 2.94 3.36 3.63 3.77 3.77 3.31 5.75
Див доход, ао, %
2.58 2.3 2.57 2.99 3.33 2.38 2.53 3.38 2.75 3.08 2.34 2.87 -3.76
Дивиденды / прибыль, %
49.6 42.2 38.14 41.72 55.14 44.22 37.37 39.97 1.15 1.15 44.83 35.57 -53.88
Dividend Coverage Ratio
2.51 2.51 2.51 0.00


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Other

IFRS
Reporting Annual
2021 2022 2023 2024 CAGR 5
Персонал, чел
4685 4553 4985 5495 4.07