Cullen/Frost Bankers, Inc. (CFR) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

SouthState Corp.

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First Citizens BancShares, Inc. (North Carolina)

Commerce Bancshares, Inc. (Missouri)

Cullen/Frost Bankers, Inc.

Truist Financial Corp.

M&T Bank Corp.

Fifth Third Bancorp

First Horizon Corp. (Tennessee)

Fiserv, Inc.

Why is Cullen/Frost Bankers, Inc. ?

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%

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

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 Report

Verdict Report

How 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.

11.7%

1.18

28.31%

S&P 500

22.99%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.85%

EBIT Growth (5y)

9.96%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

39.84%

Pledged Shares

Institutional Holding

91.14%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.86

EV to EBIT

6.73

EV to EBITDA

5.64

EV to Capital Employed

10.81

EV to Sales

1.80

PEG Ratio

1.13

Dividend Yield

3.01%

ROCE (Latest)

160.64%

ROE (Latest)

14.04%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 810.37 MM

ROCE(HY)

Highest at 1.26%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(Q)

Highest at 0.32%

OPERATING PROFIT MARGIN(Q)

Highest at 35.02 %

-3What is not working for the Company

ROCE(HY)

Lowest at 1.26%

NET SALES(Q)

Lowest at USD 577.97 MM

Here's what is working for Cullen/Frost Bankers, Inc.

Credit Deposit Ratio

Highest at 0.32% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 810.37 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit Margin

Highest at 35.02 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Depreciation

Highest at USD 31.4 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for Cullen/Frost Bankers, Inc.

Net Sales

Lowest at USD 577.97 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)