ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Cullen/Frost Bankers, Inc. ?
1
Positive results in Jun 25
- NII(Q) Highest at USD 429.6 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- GROSS NPA (%)(Q) Lowest at 0.29%
2
With ROA of 0.72%, it has a expensive valuation with a 2.04 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -9.33%, its profits have risen by 7.6% ; the PEG ratio of the company is 1.9
3
Below par performance in long term as well as near term
- Along with generating -9.33% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Cullen/Frost Bankers, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Cullen/Frost Bankers, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Cullen/Frost Bankers, Inc.
-9.33%
1.08
28.19%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.16%
EBIT Growth (5y)
6.59%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
42.19%
Pledged Shares
0
Institutional Holding
87.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
2.04
EV to EBIT
8.60
EV to EBITDA
7.15
EV to Capital Employed
6.10
EV to Sales
2.13
PEG Ratio
1.88
Dividend Yield
218.83%
ROCE (Latest)
70.98%
ROE (Latest)
14.38%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 429.6 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Highest at 41.83%
CASH AND EQV(HY)
Highest at USD 1,518.32 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 50.99%
OPERATING PROFIT(Q)
Highest at USD 186.62 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31 %
PRE-TAX PROFIT(Q)
Highest at USD 186.62 MM
NET PROFIT(Q)
Highest at USD 155.51 MM
EPS(Q)
Highest at USD 2.39
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 223.96 MM
Here's what is working for Cullen/Frost Bankers, Inc.
NII
Highest at USD 429.6 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.29%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit
Highest at USD 186.62 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 186.62 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 155.51 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.39
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 1,518.32 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 50.99%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 41.83%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 14.43%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Cullen/Frost Bankers, Inc.
Operating Cash Flow
Lowest at USD 223.96 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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