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 -5.88%, 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 -5.88% 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.
4.13%
1.18
28.31%
S&P 500
17.78%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.85%
EBIT Growth (5y)
9.96%
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
39.84%
Pledged Shares
0
Institutional Holding
91.52%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.93
EV to EBIT
9.18
EV to EBITDA
7.63
EV to Capital Employed
3.42
EV to Sales
2.31
PEG Ratio
1.02
Dividend Yield
151.66%
ROCE (Latest)
37.31%
ROE (Latest)
14.37%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 448.71 MM
ROCE(HY)
Highest at 1.22%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 51.01%
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 277.67 MM
ROCE(HY)
Lowest at 1.22%
Here's what is working for Cullen/Frost Bankers, Inc.
NII
Highest at USD 448.71 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
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)
Credit Deposit Ratio
Highest at 51.01%
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 (%)
Here's what is not working for Cullen/Frost Bankers, Inc.
Operating Cash Flow
Lowest at USD 277.67 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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