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Cullen/Frost Bankers has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.GuruFocus does not calculate Cullen/Frost Bankers's interest coverage with the available data. Cullen/Frost Bankers's debt to revenue ratio for the quarter that ended in Mar. 2024 was 0.11. Altman Z-Score does not apply to banks and insurance companies.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Cullen/Frost Bankers's Interest Expense for the months ended in Mar. 2024 was $-195 Mil. Its Operating Income for the months ended in Mar. 2024 was $0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $223 Mil.
Cullen/Frost Bankers's Interest Coverage for the quarter that ended in Mar. 2024 is
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Cullen/Frost Bankers Inc has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Cullen/Frost Bankers's Debt to Revenue Ratio for the quarter that ended in Mar. 2024 is
Debt to Revenue Ratio | = | Total Debt (Q: Mar. 2024 ) | / | Revenue | ||
= | (Short-Term Debt & Capital Lease Obligation | + | Long-Term Debt & Capital Lease Obligation) | / | Revenue | |
= | (0 | + | 222.671) | / | 2005.712 | |
= | 0.11 |
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Cullen/Frost Bankers (NYSE:CFR) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
Cullen/Frost Bankers has the Financial Strength Rank of 5.
Thank you for viewing the detailed overview of Cullen/Frost Bankers's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
Patrick B Frost | director, other: Member Executive Committee | 100 WEST HOUSTON ST, SAN ANTONIO TX 78205 |
Howard Willome John | director | 111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205 |
Chris Avery | director | 510 POST OAK ROAD, FREDERICKSBURG TX 78624 |
Howard L. Kasanoff | officer: GEVP Chief Credit Officer | 111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205 |
Bobby Berman | officer: Group Executive Vice President | 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205 |
Candace K Wolfshohl | officer: Group Executive Vice President | 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205 |
Phillip D Green | officer: Group EVP / CFO | 100 WEST HOUSTON ST, SAN ANTONIO TX 78205 |
Carol Jean Severyn | officer: GEVP and Chief Risk Officer | 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205 |
Paul Bracher | officer: President | 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205 |
Joseph A. Pierce | director | 111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205 |
William L Perotti | officer: Group Executive Vice President | 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205 |
Jerry Salinas | officer: Chief Financial Officer | 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205 |
Anthony R Chase | director | 10307 PACIFIC CENTER COURT, SAN DIEGO CA 92121 |
Linda B. Rutherford | director | 2702 LOVE FIELD DRIVE, HDQ 4GC, DALLAS TX 75235 |
Annette M Alonzo | officer: Group Executive Vice President | 100 WEST HOUSTON STREET, SAN ANTONIO TX 78205 |
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