Cullenfrost Bankers Stock Z Score

CFR Stock

USD 142.91 1.01 0.70%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out CullenFrost Bankers Piotroski F Score and CullenFrost Bankers Valuation analysis.

To learn how to invest in CullenFrost Stock, please use our How to Invest in CullenFrost Bankers guide.

At this time, CullenFrost Bankers' Net Invested Capital is relatively stable compared to the past year. As of 11/27/2024, Capital Stock is likely to grow to about 160.3 M, though Change In Working Capital is likely to grow to (279.4 M). At this time, CullenFrost Bankers' Selling General Administrative is relatively stable compared to the past year. As of 11/27/2024, Total Revenue is likely to grow to about 2.1 B, though Total Operating Expenses is likely to grow to (1.4 B).

CullenFrost Bankers Company Z Score Analysis

CullenFrost Bankers' Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

CullenFrost Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for CullenFrost Bankers is extremely important. It helps to project a fair market value of CullenFrost Stock properly, considering its historical fundamentals such as Z Score. Since CullenFrost Bankers' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of CullenFrost Bankers' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of CullenFrost Bankers' interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Long Term Debt	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Good Will	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.84	-0.81	0.98	0.87	0.88	1.0	0.65	0.92	0.77	0.52	0.97	0.12	-0.68	0.93	0.7	0.7	-0.72	0.86	0.81	0.78	0.78	-0.83	0.54	0.48
Total Stockholder Equity	0.84		-0.67	0.86	0.64	0.54	0.81	0.79	0.59	0.89	0.76	0.78	-0.18	-0.83	0.78	0.84	0.88	-0.77	0.8	0.56	0.71	0.49	-0.42	0.68	0.28
Net Debt	-0.81	-0.67		-0.7	-0.75	-0.61	-0.81	-0.76	-0.73	-0.46	-0.25	-0.69	-0.23	0.41	-0.73	-0.43	-0.72	0.43	-0.62	-0.87	-0.58	-0.83	0.67	-0.64	-0.24
Retained Earnings	0.98	0.86	-0.7		0.86	0.89	0.97	0.57	0.89	0.8	0.54	0.96	0.02	-0.69	0.94	0.71	0.71	-0.74	0.89	0.71	0.83	0.72	-0.81	0.55	0.51
Accounts Payable	0.87	0.64	-0.75	0.86		0.9	0.87	0.36	0.93	0.5	0.22	0.81	0.24	-0.43	0.92	0.4	0.61	-0.56	0.67	0.7	0.66	0.8	-0.88	0.63	0.57
Net Receivables	0.88	0.54	-0.61	0.89	0.9		0.89	0.24	0.97	0.52	0.21	0.89	0.28	-0.4	0.88	0.41	0.42	-0.56	0.74	0.66	0.7	0.77	-0.96	0.39	0.65
Total Liab	1.0	0.81	-0.81	0.97	0.87	0.89		0.63	0.93	0.75	0.49	0.97	0.15	-0.65	0.92	0.68	0.68	-0.71	0.86	0.82	0.77	0.8	-0.85	0.52	0.49
Total Current Assets	0.65	0.79	-0.76	0.57	0.36	0.24	0.63		0.37	0.68	0.64	0.56	-0.05	-0.68	0.47	0.75	0.74	-0.56	0.62	0.67	0.53	0.53	-0.24	0.45	-0.18
Short Term Debt	0.92	0.59	-0.73	0.89	0.93	0.97	0.93	0.37		0.54	0.25	0.91	0.26	-0.46	0.89	0.45	0.48	-0.58	0.73	0.81	0.69	0.83	-0.97	0.4	0.55
Common Stock	0.77	0.89	-0.46	0.8	0.5	0.52	0.75	0.68	0.54		0.93	0.78	-0.05	-0.96	0.61	0.94	0.58	-0.92	0.69	0.47	0.52	0.32	-0.37	0.32	0.27
Long Term Debt	0.52	0.76	-0.25	0.54	0.22	0.21	0.49	0.64	0.25	0.93		0.52	-0.1	-0.96	0.32	0.93	0.41	-0.87	0.46	0.25	0.28	0.08	-0.06	0.13	-0.01
Short Term Investments	0.97	0.78	-0.69	0.96	0.81	0.89	0.97	0.56	0.91	0.78	0.52		0.14	-0.67	0.89	0.7	0.6	-0.72	0.86	0.79	0.78	0.73	-0.85	0.39	0.47
Treasury Stock	0.12	-0.18	-0.23	0.02	0.24	0.28	0.15	-0.05	0.26	-0.05	-0.1	0.14		-0.01	-0.03	-0.08	-0.31	-0.19	-0.15	0.2	-0.19	0.29	-0.3	-0.17	0.21
Intangible Assets	-0.68	-0.83	0.41	-0.69	-0.43	-0.4	-0.65	-0.68	-0.46	-0.96	-0.96	-0.67	-0.01		-0.48	-0.92	-0.49	0.96	-0.54	-0.41	-0.4	-0.27	0.27	-0.24	-0.14
Property Plant Equipment	0.93	0.78	-0.73	0.94	0.92	0.88	0.92	0.47	0.89	0.61	0.32	0.89	-0.03	-0.48		0.53	0.77	-0.54	0.86	0.72	0.82	0.77	-0.83	0.69	0.53
Good Will	0.7	0.84	-0.43	0.71	0.4	0.41	0.68	0.75	0.45	0.94	0.93	0.7	-0.08	-0.92	0.53		0.55	-0.85	0.73	0.45	0.56	0.39	-0.3	0.22	-0.03
Net Tangible Assets	0.7	0.88	-0.72	0.71	0.61	0.42	0.68	0.74	0.48	0.58	0.41	0.6	-0.31	-0.49	0.77	0.55		-0.41	0.74	0.55	0.75	0.54	-0.37	0.86	0.18
Long Term Debt Total	-0.72	-0.77	0.43	-0.74	-0.56	-0.56	-0.71	-0.56	-0.58	-0.92	-0.87	-0.72	-0.19	0.96	-0.54	-0.85	-0.41		-0.52	-0.41	-0.4	-0.35	0.41	-0.26	-0.31
Capital Surpluse	0.86	0.8	-0.62	0.89	0.67	0.74	0.86	0.62	0.73	0.69	0.46	0.86	-0.15	-0.54	0.86	0.73	0.74	-0.52		0.65	0.92	0.73	-0.68	0.47	0.22
Long Term Investments	0.81	0.56	-0.87	0.71	0.7	0.66	0.82	0.67	0.81	0.47	0.25	0.79	0.2	-0.41	0.72	0.45	0.55	-0.41	0.65		0.59	0.82	-0.78	0.34	0.16
Short Long Term Debt	0.78	0.71	-0.58	0.83	0.66	0.7	0.77	0.53	0.69	0.52	0.28	0.78	-0.19	-0.4	0.82	0.56	0.75	-0.4	0.92	0.59		0.74	-0.68	0.5	0.18
Earning Assets	0.78	0.49	-0.83	0.72	0.8	0.77	0.8	0.53	0.83	0.32	0.08	0.73	0.29	-0.27	0.77	0.39	0.54	-0.35	0.73	0.82	0.74		-0.85	0.43	0.15
Current Deferred Revenue	-0.83	-0.42	0.67	-0.81	-0.88	-0.96	-0.85	-0.24	-0.97	-0.37	-0.06	-0.85	-0.3	0.27	-0.83	-0.3	-0.37	0.41	-0.68	-0.78	-0.68	-0.85		-0.31	-0.53
Net Invested Capital	0.54	0.68	-0.64	0.55	0.63	0.39	0.52	0.45	0.4	0.32	0.13	0.39	-0.17	-0.24	0.69	0.22	0.86	-0.26	0.47	0.34	0.5	0.43	-0.31		0.43
Capital Stock	0.48	0.28	-0.24	0.51	0.57	0.65	0.49	-0.18	0.55	0.27	-0.01	0.47	0.21	-0.14	0.53	-0.03	0.18	-0.31	0.22	0.16	0.18	0.15	-0.53	0.43

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict CullenFrost Bankers

In accordance with the company's disclosures, CullenFrost Bankers has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

CullenFrost Bankers ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, CullenFrost Bankers' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to CullenFrost Bankers' managers, analysts, and investors.

Environmental

Governance

Social

CullenFrost Bankers Institutional Holders

Institutional Holdings refers to the ownership stake in CullenFrost Bankers that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of CullenFrost Bankers' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing CullenFrost Bankers' value.

		Shares
Geode Capital Management, Llc	2024-09-30	1.1 M
Dimensional Fund Advisors, Inc.	2024-09-30	1 M
Btim Corp	2024-09-30	958 K
Jpmorgan Chase & Co	2024-06-30	888.7 K
Hhg Plc	2024-06-30	823.1 K
Principal Financial Group Inc	2024-09-30	806.2 K
Northern Trust Corp	2024-09-30	728.1 K
Bank Of New York Mellon Corp	2024-06-30	648.9 K
Goldman Sachs Group Inc	2024-06-30	591.6 K
Vanguard Group Inc	2024-09-30	6.3 M
Aristotle Capital Management Llc	2024-09-30	5.9 M

CullenFrost Fundamentals

	Return On Equity	0.15
	Return On Asset	0.0106
	Profit Margin	0.27 %
	Operating Margin	0.37 %
	Current Valuation	4.65 B
	Shares Outstanding	64.13 M
	Shares Owned By Insiders	8.46 %
	Shares Owned By Institutions	89.01 %
	Number Of Shares Shorted	3.02 M
	Price To Earning	24.08 X
	Price To Book	2.30 X
	Price To Sales	4.67 X
	Revenue	1.99 B
	Gross Profit	1.69 B
	EBITDA	712.37 M
	Net Income	597.97 M
	Cash And Equivalents	13.87 B
	Cash Per Share	215.71 X
	Total Debt	222.62 M
	Debt To Equity	8.88 %
	Book Value Per Share	62.41 X
	Cash Flow From Operations	478.85 M
	Short Ratio	5.07 X
	Earnings Per Share	8.07 X
	Price To Earnings To Growth	1.92 X
	Target Price	128.08
	Number Of Employees	5.5 K
	Beta	0.97
	Market Capitalization	9.17 B
	Total Asset	50.85 B
	Retained Earnings	3.66 B
	Annual Yield	0.03 %
	Five Year Return	2.78 %
	Net Asset	50.85 B
	Last Dividend Paid	3.71

About CullenFrost Bankers Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze CullenFrost Bankers's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of CullenFrost Bankers using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of CullenFrost Bankers based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Pair Trading with CullenFrost Bankers

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if CullenFrost Bankers position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in CullenFrost Bankers will appreciate offsetting losses from the drop in the long position's value.

Moving together with CullenFrost Stock

0.87	AX	Axos Financial	Pair Corr
0.85	BY	Byline Bancorp Fiscal Year End 23rd of January 2025	Pair Corr
0.67	KB	KB Financial Group	Pair Corr

Moving against CullenFrost Stock

0.65	TFC-PO	Truist Financial	Pair Corr
0.6	CFG-PE	Citizens Financial	Pair Corr
0.59	TFC-PR	Truist Financial	Pair Corr
0.44	WF	Woori Financial Group	Pair Corr

The ability to find closely correlated positions to CullenFrost Bankers could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace CullenFrost Bankers when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back CullenFrost Bankers - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling CullenFrost Bankers to buy it.

The correlation of CullenFrost Bankers is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as CullenFrost Bankers moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if CullenFrost Bankers moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for CullenFrost Bankers can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

Additional Tools for CullenFrost Stock Analysis

When running CullenFrost Bankers' price analysis, check to measure CullenFrost Bankers' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CullenFrost Bankers is operating at the current time. Most of CullenFrost Bankers' value examination focuses on studying past and present price action to predict the probability of CullenFrost Bankers' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CullenFrost Bankers' price. Additionally, you may evaluate how the addition of CullenFrost Bankers to your portfolios can decrease your overall portfolio volatility.

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Cullenfrost Bankers Stock Z Score

CullenFrost Bankers Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

CullenFrost Z Score Driver Correlations

CullenFrost Bankers ESG Sustainability

CullenFrost Bankers Institutional Holders

CullenFrost Fundamentals

About CullenFrost Bankers Fundamental Analysis

Pair Trading with CullenFrost Bankers

Moving together with CullenFrost Stock

Moving against CullenFrost Stock

Additional Tools for CullenFrost Stock Analysis

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