Cullen/Frost Bankers is a financial holding company, The company offer commercial and consumer banking services, as well as trust and investment management, insurance, brokerage, mutual funds, leasing, treasury management, capital markets advisory and item processing services across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, and San Antonio regions.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	38.64
Equity-to-Asset	0.07
Debt-to-Equity	0.06
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.89	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	10.5
	3-Year EPS without NRI Growth Rate	21.3
	3-Year FCF Growth Rate	-9.9
	3-Year Book Growth Rate	-5.5
	Future 3-5Y EPS without NRI Growth Rate	6
	Future 3-5Y Total Revenue Growth Rate	4.66

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	32.07
	9-Day RSI	39.55
	14-Day RSI	43.57
	6-1 Month Momentum %	16.02
	12-1 Month Momentum %	3.26

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.39
	Dividend Payout Ratio	0.39
	3-Year Dividend Growth Rate	7.9
	Forward Dividend Yield %	3.43
	5-Year Yield-on-Cost %	4.58
	3-Year Average Share Buyback Ratio	-0.6
	Shareholder Yield %	3.9

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	30.09
	FCF Margin %	32.68
	ROE %	17.89
	ROA %	1.18
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.66
	Forward PE Ratio	13.09
	PE Ratio without NRI	12.66
	Shiller PE Ratio	14.77
	Price-to-Owner-Earnings	27.18
	PS Ratio	3.47
	PB Ratio	1.92
	Price-to-Tangible-Book	1.92
	Price-to-Free-Cash-Flow	21.53
	Price-to-Operating-Cash-Flow	14.37
	EV-to-Revenue	-0.68
	EV-to-Forward-Revenue	3.65
	EV-to-FCF	-3.5
	Price-to-Projected-FCF	0.87
	Price-to-Median-PS-Value	0.72
	Price-to-Graham-Number	1
	FCF Yield %	9.42
	Forward Rate of Return (Yacktman) %	2.61

GF Value: $170.3

CFR

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