CullenFrost Historical Financial Ratios

CFR Stock

USD 142.32 2.79 2.00%

CullenFrost Bankers is presently reporting on over 107 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Dividend Yield of 0.021, PTB Ratio of 1.55 or Days Sales Outstanding of 205 will help investors to properly organize and evaluate CullenFrost Bankers financial condition quickly.

Quick Ratio Current Ratio

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CullenFrost Bankers. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

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

About CullenFrost Financial Ratios Analysis

CullenFrost BankersFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate CullenFrost Bankers investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on CullenFrost financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across CullenFrost Bankers history.

CullenFrost Bankers Financial Ratios Chart

At this time, CullenFrost Bankers' Capex To Operating Cash Flow is relatively stable compared to the past year. As of 11/23/2024, PFCF Ratio is likely to grow to 23.35, while Dividend Yield is likely to drop 0.02.

Price To Sales Ratio Dividend Yield Ptb Ratio Days Sales Outstanding Stock Based Compensation To Revenue Ev To Operating Cash Flow

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Price To Sales Ratio

Price to Sales Ratio is figured by comparing CullenFrost Bankers stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on CullenFrost Bankers sales, a figure that is much harder to manipulate than other CullenFrost Bankers multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Dividend Yield

Dividend Yield is CullenFrost Bankers dividend as a percentage of CullenFrost Bankers stock price. CullenFrost Bankers dividend yield is a measure of CullenFrost Bankers stock productivity, which can be interpreted as interest rate earned on an CullenFrost Bankers investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Stock Based Compensation To Revenue

A metric that compares the total value of stock-based compensation granted by a company to its total revenue, indicating how much of the revenue is used to compensate employees with stock options or awards.

Ev To Operating Cash Flow

A valuation metric comparing the company's enterprise value to its operating cash flow, indicating how many dollars of EV are generated for each dollar of operating cash flows.

Most ratios from CullenFrost Bankers' fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into CullenFrost Bankers current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CullenFrost Bankers. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

To learn how to invest in CullenFrost Stock, please use our How to Invest in CullenFrost Bankers guide.At this time, CullenFrost Bankers' Capex To Operating Cash Flow is relatively stable compared to the past year. As of 11/23/2024, PFCF Ratio is likely to grow to 23.35, while Dividend Yield is likely to drop 0.02.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.0244	0.0252	0.0336	0.021
Price To Sales Ratio	5.85	38.92	3.67	3.6

Dividend Yield Price To Sales Ratio

CullenFrost Bankers fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Payables Turnover	Average Inventory	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Days Payables Outstanding	Income Quality	Roe	Ev To Operating Cash Flow
Price To Sales Ratio		-0.03	0.75	-0.2	0.09	0.2	0.48	-0.11	0.75	-0.81	0.51	0.0	0.42	0.11	-0.07	0.91	0.51	0.15	-0.13	-0.02	0.16	0.01	0.11	0.18	0.64	-0.19
Dividend Yield	-0.03		0.29	-0.82	0.51	0.81	0.32	0.06	0.29	0.32	0.32	-0.86	0.25	0.14	0.09	-0.1	0.17	0.73	0.3	0.87	0.82	0.46	0.14	0.82	0.48	-0.8
Ptb Ratio	0.75	0.29		-0.59	0.51	0.61	0.69	-0.26	1.0	-0.42	0.69	-0.5	0.72	-0.05	-0.22	0.53	0.71	0.65	0.07	0.35	0.63	0.43	-0.05	0.62	0.9	-0.65
Days Sales Outstanding	-0.2	-0.82	-0.59		-0.62	-0.88	-0.52	0.06	-0.59	-0.14	-0.6	0.92	-0.31	-0.34	-0.29	-0.04	-0.31	-0.83	-0.51	-0.89	-0.87	-0.52	-0.34	-0.9	-0.58	0.87
Book Value Per Share	0.09	0.51	0.51	-0.62		0.77	0.83	-0.06	0.51	0.0	0.69	-0.75	0.75	-0.23	-0.24	-0.03	0.77	0.69	0.07	0.57	0.78	0.42	-0.23	0.8	0.51	-0.81
Free Cash Flow Yield	0.2	0.81	0.61	-0.88	0.77		0.7	-0.24	0.61	0.14	0.68	-0.94	0.56	0.02	0.0	-0.02	0.51	0.86	0.29	0.83	0.95	0.44	0.02	0.99	0.65	-0.96
Operating Cash Flow Per Share	0.48	0.32	0.69	-0.52	0.83	0.7		-0.04	0.69	-0.29	0.91	-0.53	0.81	-0.09	-0.17	0.36	0.8	0.46	-0.05	0.29	0.61	0.08	-0.09	0.67	0.7	-0.65
Capex To Depreciation	-0.11	0.06	-0.26	0.06	-0.06	-0.24	-0.04		-0.26	0.15	-0.23	0.14	-0.07	0.12	0.1	0.3	-0.22	-0.23	0.07	-0.15	-0.12	0.01	0.12	-0.17	-0.07	0.2
Pb Ratio	0.75	0.29	1.0	-0.59	0.51	0.61	0.69	-0.26		-0.42	0.69	-0.5	0.72	-0.05	-0.22	0.53	0.71	0.65	0.07	0.35	0.63	0.43	-0.05	0.62	0.9	-0.65
Ev To Sales	-0.81	0.32	-0.42	-0.14	0.0	0.14	-0.29	0.15	-0.42		-0.34	-0.3	-0.24	-0.06	0.09	-0.76	-0.54	0.17	0.23	0.25	0.18	0.21	-0.06	0.15	-0.27	-0.11
Free Cash Flow Per Share	0.51	0.32	0.69	-0.6	0.69	0.68	0.91	-0.23	0.69	-0.34		-0.51	0.58	0.24	0.14	0.31	0.66	0.39	0.07	0.34	0.52	-0.08	0.24	0.63	0.65	-0.58
Roic	0.0	-0.86	-0.5	0.92	-0.75	-0.94	-0.53	0.14	-0.5	-0.3	-0.51		-0.42	-0.05	-0.06	0.18	-0.39	-0.91	-0.43	-0.93	-0.96	-0.61	-0.05	-0.97	-0.51	0.96
Net Income Per Share	0.42	0.25	0.72	-0.31	0.75	0.56	0.81	-0.07	0.72	-0.24	0.58	-0.42		-0.57	-0.66	0.32	0.86	0.54	-0.3	0.15	0.6	0.37	-0.57	0.55	0.79	-0.61
Payables Turnover	0.11	0.14	-0.05	-0.34	-0.23	0.02	-0.09	0.12	-0.05	-0.06	0.24	-0.05	-0.57		0.96	0.12	-0.41	-0.16	0.43	0.21	-0.13	-0.32	1.0	0.0	-0.13	0.11
Average Inventory	-0.07	0.09	-0.22	-0.29	-0.24	0.0	-0.17	0.1	-0.22	0.09	0.14	-0.06	-0.66	0.96		-0.06	-0.51	-0.18	0.49	0.22	-0.15	-0.32	0.96	-0.02	-0.32	0.13
Capex To Revenue	0.91	-0.1	0.53	-0.04	-0.03	-0.02	0.36	0.3	0.53	-0.76	0.31	0.18	0.32	0.12	-0.06		0.36	-0.07	-0.17	-0.18	-0.01	-0.06	0.12	-0.01	0.51	0.01
Cash Per Share	0.51	0.17	0.71	-0.31	0.77	0.51	0.8	-0.22	0.71	-0.54	0.66	-0.39	0.86	-0.41	-0.51	0.36		0.49	-0.13	0.22	0.53	0.29	-0.41	0.52	0.65	-0.58
Pocfratio	0.15	0.73	0.65	-0.83	0.69	0.86	0.46	-0.23	0.65	0.17	0.39	-0.91	0.54	-0.16	-0.18	-0.07	0.49		0.31	0.84	0.95	0.83	-0.16	0.9	0.61	-0.95
Interest Coverage	-0.13	0.3	0.07	-0.51	0.07	0.29	-0.05	0.07	0.07	0.23	0.07	-0.43	-0.3	0.43	0.49	-0.17	-0.13	0.31		0.51	0.31	0.25	0.43	0.36	-0.09	-0.3
Payout Ratio	-0.02	0.87	0.35	-0.89	0.57	0.83	0.29	-0.15	0.35	0.25	0.34	-0.93	0.15	0.21	0.22	-0.18	0.22	0.84	0.51		0.85	0.6	0.21	0.87	0.33	-0.86
Capex To Operating Cash Flow	0.16	0.82	0.63	-0.87	0.78	0.95	0.61	-0.12	0.63	0.18	0.52	-0.96	0.6	-0.13	-0.15	-0.01	0.53	0.95	0.31	0.85		0.68	-0.13	0.98	0.66	-0.99
Pfcf Ratio	0.01	0.46	0.43	-0.52	0.42	0.44	0.08	0.01	0.43	0.21	-0.08	-0.61	0.37	-0.32	-0.32	-0.06	0.29	0.83	0.25	0.6	0.68		-0.32	0.55	0.37	-0.64
Days Payables Outstanding	0.11	0.14	-0.05	-0.34	-0.23	0.02	-0.09	0.12	-0.05	-0.06	0.24	-0.05	-0.57	1.0	0.96	0.12	-0.41	-0.16	0.43	0.21	-0.13	-0.32		0.0	-0.13	0.11
Income Quality	0.18	0.82	0.62	-0.9	0.8	0.99	0.67	-0.17	0.62	0.15	0.63	-0.97	0.55	0.0	-0.02	-0.01	0.52	0.9	0.36	0.87	0.98	0.55	0.0		0.63	-0.99
Roe	0.64	0.48	0.9	-0.58	0.51	0.65	0.7	-0.07	0.9	-0.27	0.65	-0.51	0.79	-0.13	-0.32	0.51	0.65	0.61	-0.09	0.33	0.66	0.37	-0.13	0.63		-0.66
Ev To Operating Cash Flow	-0.19	-0.8	-0.65	0.87	-0.81	-0.96	-0.65	0.2	-0.65	-0.11	-0.58	0.96	-0.61	0.11	0.13	0.01	-0.58	-0.95	-0.3	-0.86	-0.99	-0.64	0.11	-0.99	-0.66

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CullenFrost Bankers Account Relationship Matchups

CullenFrost Bankers fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	4.48	3.8	5.85	38.92	3.67	3.6
Dividend Yield	0.0302	0.0334	0.0244	0.0252	0.0336	0.021
Ptb Ratio	1.57	1.27	1.81	2.73	1.92	1.55
Book Value Per Share	62.35	68.44	69.8	48.9	56.63	59.46
Free Cash Flow Yield	0.0697	0.0784	0.0726	0.0723	0.045	0.0427
Operating Cash Flow Per Share	10.11	8.36	10.19	11.26	7.3	7.66
Stock Based Compensation To Revenue	0.0328	0.0221	0.0266	0.21	0.0293	0.0197
Capex To Depreciation	3.82	1.48	0.95	1.44	2.08	1.05
Pb Ratio	1.57	1.27	1.81	2.73	1.92	1.55
Ev To Sales	2.15	(3.18)	(6.05)	(13.7)	(0.65)	(0.62)
Free Cash Flow Per Share	6.81	6.84	9.16	9.67	4.88	2.69
Net Income Per Share	7.07	5.28	6.97	9.03	9.11	9.57
Capex To Revenue	0.15	0.0662	0.048	0.47	0.0817	0.055
Cash Per Share	234.32	330.41	478.92	468.6	383.7	402.89
Pocfratio	9.68	10.44	12.37	11.87	14.87	15.61
Interest Coverage	3.85	7.8	20.48	5.5	1.08	1.03
Capex To Operating Cash Flow	0.0634	0.14	0.33	0.18	0.1	0.35
Pfcf Ratio	14.35	12.76	13.77	13.83	22.23	23.35
Income Quality	1.43	1.58	1.46	1.25	0.8	0.76
Ev To Operating Cash Flow	4.63	(8.74)	(12.8)	(4.18)	(2.63)	(2.5)
Pe Ratio	13.83	16.52	18.1	14.81	11.91	11.31
Return On Tangible Assets	0.0136	0.008216	0.009185	0.0111	0.0118	0.00864
Ev To Free Cash Flow	6.88	(10.68)	(14.25)	(4.87)	(3.94)	(3.74)
Earnings Yield	0.0723	0.0605	0.0552	0.0675	0.084	0.0428
Intangibles To Total Assets	0.0197	0.016	0.0134	0.0124	0.0142	0.0248
Net Debt To E B I T D A	(5.77)	(24.18)	(29.2)	(15.67)	(10.62)	(11.15)
Current Ratio	27.75	29.19	41.2	23.1	20.79	27.24
Tangible Book Value Per Share	51.88	57.97	59.49	38.69	56.63	59.46
Graham Number	99.59	90.16	104.59	99.66	107.75	113.14
Shareholders Equity Per Share	62.35	68.44	69.8	48.9	56.63	59.46
Debt To Equity	0.0601	0.0548	0.05	0.0709	0.0599	0.0569
Capex Per Share	3.29	1.52	1.04	1.6	2.42	2.54
Graham Net Net	(266.16)	(337.85)	(351.92)	(402.78)	(334.43)	(351.15)
Revenue Per Share	21.8	22.98	21.56	3.44	29.58	31.06

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

0.84	AX	Axos Financial	Pair Corr
0.83	BY	Byline Bancorp Fiscal Year End 23rd of January 2025	Pair Corr
0.63	KB	KB Financial Group	Pair Corr
0.88	PB	Prosperity Bancshares Fiscal Year End 22nd of January 2025	Pair Corr

Moving against CullenFrost Stock

0.57	TFC-PO	Truist Financial	Pair Corr
0.51	TFC-PR	Truist Financial	Pair Corr
0.5	WF	Woori Financial Group	Pair Corr
0.48	CFG-PE	Citizens Financial	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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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Price Book Value Ratio	Price Earnings To Growth Ratio
Days Of Payables Outstanding	Dividend Payout Ratio
Price To Operating Cash Flows Ratio	Price To Free Cash Flows Ratio
Pretax Profit Margin	Ebt Per Ebit
Operating Profit Margin	Effective Tax Rate
Company Equity Multiplier	Long Term Debt To Capitalization
Total Debt To Capitalization	Return On Capital Employed
Debt Equity Ratio	Ebit Per Revenue
Quick Ratio	Dividend Paid And Capex Coverage Ratio
Net Income Per E B T	Cash Ratio
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity	Operating Cycle
Cash Conversion Cycle

CullenFrost Historical Financial Ratios

About CullenFrost Financial Ratios Analysis

CullenFrost Bankers Financial Ratios Chart

Price To Sales Ratio

Dividend Yield

Ptb Ratio

Stock Based Compensation To Revenue

Ev To Operating Cash Flow

CullenFrost Bankers fundamentals Correlations

CullenFrost Bankers Account Relationship Matchups

High Positive Relationship

High Negative Relationship

CullenFrost Bankers fundamentals Accounts

Pair Trading with CullenFrost Bankers

Moving together with CullenFrost Stock

Moving against CullenFrost Stock

Additional Tools for CullenFrost Stock Analysis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Pb Ratio	+ 1.0	Ptb Ratio
Days Payables Outstanding	+ 1.0	Payables Turnover
Income Quality	+ 0.99	Free Cash Flow Yield
Income Quality	+ 0.98	Capex To Operating Cash Flow
Ev To Operating Cash Flow	+ 0.96	Roic
Average Inventory	+ 0.96	Payables Turnover

Ev To Operating Cash Flow	- 0.99	Income Quality
Ev To Operating Cash Flow	- 0.99	Capex To Operating Cash Flow
Income Quality	- 0.97	Roic
Capex To Operating Cash Flow	- 0.96	Roic
Ev To Operating Cash Flow	- 0.96	Free Cash Flow Yield
Ev To Operating Cash Flow	- 0.95	Pocfratio