Fundamental Analysis of Cullen/Frost Bankers Inc - Growth / Value Index
CFR - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.206
Price to Earning Ratio is 12.61 and EV to EBITDA is 12.51 suggesting company is undervalued.
Price to Book Ratio is 0.558 indicating that it is undervalued.
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 12.34 | 11.34 | -4.05 % | |
| Price to Book | 0.546 | 1.82 | -15.40 % | 0.341 |
| Price to Sales | 3.21 | 3.06 | -33.31 % | |
| Enterprise Value to EBITDA Multiple | 12.34 | 14.83 | 36.35 % |
CFR - Profitability Highlights
Profitability Analysis
Earning Yield of 7.93 %
Excellent Net Margin for last 3 years
Company Earning excess return
During the past twelve months, the company has given a strong Net Margin of 26.01%
All key Trailing Twelve Months Margin growing by 15 %
Reasonable Dividend Yield of 3.41 %
Annual Net Profit in last 3 years is trending up
Good Return On Capital Employed of 15.76
Good Return on Equity of 16.15% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 16.15 | 16.09 | -11.83 % | 3.73 |
| Return On Asset | 1.12 | 1.18 | 8.66 % | 0.274 |
| Net Profit Margin | 26.01 | 26.96 | -30.49 % | 23.18 |
| Operating Profit Margin | 31.02 | 32.12 | -29.13 % | 27.59 |
| EBITDA Margin | 40.05 | 32.12 | -53.31 % | 27.59 |
Highlights
| Market Cap | 6783.97 M |
| Enterprise Value | 10565.12 M |
| Price/Book TTM | 0.546 |
| Outstanding Share | 64254.30 K |
| Float/ Outstanding Share | 91.45% |
| Dividend Yield | 3.48 % |
Share Holding
Guru Numbers
| Price/Graham No | 1.00 |
| Peter Lynch Ratio | 0.345 |
| Piotroski F Score | 6.00 |
| Altman Z Score | 0.272 |
| Sloan Ratio | 0.0023 |
| Peter Lynch Fair Value | 0 |
CFR - Growth Highlights
Growth Analysis
STRONG JUMP IN NET SALE : YoY growth
Annual sales of the company is increased for three years in a row
Tsr Growth Index - Poor Score of 24.05
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 2137.31 M | 50.28 % | 16.66 % |
| Gross Profit | 2127.41 M | 30.99 % | 16.66 % |
| EBITDA | 856060 K | 29.84 % | 48.49 % |
| Net Profit | 556010 K | 4.45 % | 32.31 % |
| EPS | 8.56 | 4.22 % | NA |
CFR - Stability Highlights
Stability Analysis
Tsr Stability Index - Poor Score of 25.00
Altman Z Score of 0.274 suggest high risk
Interest Coverage of 0.868
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 1.18 | -25.24 % | 1.16 |
| Cash Ratio | 0.570 | 32.50 % | |
| Quick Ratio | 0 | 0 % | 0.543 |
| Shareholders Equity | 7.31 | 23.23 % | |
| Debt to EBITDA | 6.17 | 26.23 % |
Historical Valuation Ratios of Cullen/Frost Bankers Inc
Historical Valuation Ratios
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Historical Profitability Ratios of Cullen/Frost Bankers Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of Cullen/Frost Bankers Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of Cullen/Frost Bankers Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)