Cullen/Frost Bankers, Inc is a banks-regional business based in the US. Cullen/Frost Bankers shares (CFR) are listed on the NYSE and all prices are listed in US Dollars. Cullen/Frost Bankers employs 4,685 staff and has a trailing 12-month revenue of around 0.00.
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What's in this guide?
- CFR shares summary
- Compare share dealing platforms
- Is CFR stock a buy or sell?
- Stock performance over time
- Can I short CFR shares?
- Is CFR suitable for ethical investing?
- Are CFR shares over-valued?
- Cullen/Frost Bankers's financials
- How volatile are CFR shares?
- Does Cullen/Frost Bankers pay a dividend?
- Have CFR shares ever split?
- Other common questions
Cullen/Frost Bankers stock price (NYSE: CFR)Use our graph to track the performance of CFR stocks over time.
Cullen/Frost Bankers shares at a glance
|Latest market close||$120.71|
|52-week range||$60.23 - $124.25|
|50-day moving average||$109.32|
|200-day moving average||$110.20|
|Wall St. target price||$114.00|
|Dividend yield||$2.86 (2.65%)|
|Earnings per share (TTM)||$6.14|
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Is it a good time to buy Cullen/Frost Bankers stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Cullen/Frost Bankers price performance over time
|1 week (2021-07-24)||N/A|
|1 month (2021-07-02)||8.00%|
|3 months (2021-05-04)||-2.62%|
|6 months (2021-01-31)||N/A|
|1 year (2020-07-31)||N/A|
|2 years (2019-07-31)||N/A|
|3 years (2018-07-31)||N/A|
|5 years (2016-07-31)||N/A|
Is Cullen/Frost Bankers under- or over-valued?
Valuing Cullen/Frost Bankers stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Cullen/Frost Bankers's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Cullen/Frost Bankers's P/E ratio
Cullen/Frost Bankers's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 18x. In other words, Cullen/Frost Bankers shares trade at around 18x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Cullen/Frost Bankers's PEG ratio
Cullen/Frost Bankers's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.977. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Cullen/Frost Bankers's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
Cullen/Frost Bankers financials
|Revenue TTM||$1.3 billion|
|Operating margin TTM||34.67%|
|Gross profit TTM||$1.2 billion|
|Return on assets TTM||1%|
|Return on equity TTM||9.7%|
|Market capitalisation||$6.9 billion|
TTM: trailing 12 months
Shorting Cullen/Frost Bankers shares
There are currently 2.0 million Cullen/Frost Bankers shares held short by investors – that's known as Cullen/Frost Bankers's "short interest". This figure is 1.8% down from 2.1 million last month.
There are a few different ways that this level of interest in shorting Cullen/Frost Bankers shares can be evaluated.
Cullen/Frost Bankers's "short interest ratio" (SIR)
Cullen/Frost Bankers's "short interest ratio" (SIR) is the quantity of Cullen/Frost Bankers shares currently shorted divided by the average quantity of Cullen/Frost Bankers shares traded daily (recently around 327278.06451613). Cullen/Frost Bankers's SIR currently stands at 6.2. In other words for every 100,000 Cullen/Frost Bankers shares traded daily on the market, roughly 6200 shares are currently held short.
However Cullen/Frost Bankers's short interest can also be evaluated against the total number of Cullen/Frost Bankers shares, or, against the total number of tradable Cullen/Frost Bankers shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Cullen/Frost Bankers's short interest could be expressed as 0.03% of the outstanding shares (for every 100,000 Cullen/Frost Bankers shares in existence, roughly 30 shares are currently held short) or 0.0349% of the tradable shares (for every 100,000 tradable Cullen/Frost Bankers shares, roughly 35 shares are currently held short).
A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Cullen/Frost Bankers.
Find out more about how you can short Cullen/Frost Bankers stock.
Cullen/Frost Bankers's environmental, social and governance track record
Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Cullen/Frost Bankers.
When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.
Cullen/Frost Bankers's total ESG risk score
Total ESG risk: 32.31
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Cullen/Frost Bankers's overall score of 32.31 (as at 12/31/2018) is nothing to write home about – landing it in it in the 46th percentile of companies rated in the same sector.
ESG scores are increasingly used to estimate the level of risk a company like Cullen/Frost Bankers is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).
Cullen/Frost Bankers's environmental score
Environmental score: 5.37/100
Cullen/Frost Bankers's environmental score of 5.37 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Cullen/Frost Bankers is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.
Cullen/Frost Bankers's social score
Social score: 17.22/100
Cullen/Frost Bankers's social score of 17.22 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Cullen/Frost Bankers is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.
Cullen/Frost Bankers's governance score
Governance score: 19.21/100
Cullen/Frost Bankers's governance score puts it squarely in the 7th percentile of companies rated in the same sector. That could suggest that Cullen/Frost Bankers is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.
Cullen/Frost Bankers's controversy score
Controversy score: 1/5
ESG scores also evaluate any incidences of controversy that a company has been involved in. Cullen/Frost Bankers scored a 1 out of 5 for controversy – the highest score possible, reflecting that Cullen/Frost Bankers has managed to keep its nose clean.
Environmental, social, and governance (ESG) summary
|Total ESG score||32.31|
|Total ESG percentile||45.65|
|Environmental score percentile||7|
|Social score percentile||7|
|Governance score percentile||7|
|Level of controversy||1|
Cullen/Frost Bankers share dividends
Dividend payout ratio: 61.72% of net profits
Recently Cullen/Frost Bankers has paid out, on average, around 61.72% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.7% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Cullen/Frost Bankers shareholders could enjoy a 2.7% return on their shares, in the form of dividend payments. In Cullen/Frost Bankers's case, that would currently equate to about $2.86 per share.
Cullen/Frost Bankers's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.
Cullen/Frost Bankers's most recent dividend payout was on 14 June 2021. The latest dividend was paid out to all shareholders who bought their shares by 26 May 2021 (the "ex-dividend date").
Have Cullen/Frost Bankers's shares ever split?
Cullen/Frost Bankers's shares were split on a 2:1 basis on 22 June 1999. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Cullen/Frost Bankers shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Cullen/Frost Bankers shares which in turn could have impacted Cullen/Frost Bankers's share price.
Cullen/Frost Bankers share price volatility
Over the last 12 months, Cullen/Frost Bankers's shares have ranged in value from as little as $60.2287 up to $124.2488. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Cullen/Frost Bankers's is 1.4608. This would suggest that Cullen/Frost Bankers's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
Cullen/Frost Bankers overview
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds, and foreign exchange services. Further, it acts as a correspondent for approximately 176 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities.
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Frequently asked questionsWhat percentage of Cullen/Frost Bankers is owned by insiders or institutions?
Currently 10.83% of Cullen/Frost Bankers shares are held by insiders and 84.482% by institutions. How many people work for Cullen/Frost Bankers?
Latest data suggests 4,685 work at Cullen/Frost Bankers. When does the fiscal year end for Cullen/Frost Bankers?
Cullen/Frost Bankers's fiscal year ends in December. Where is Cullen/Frost Bankers based?
Cullen/Frost Bankers's address is: 111 West Houston Street, San Antonio, TX, United States, 78205 What is Cullen/Frost Bankers's ISIN number?
Cullen/Frost Bankers's international securities identification number is: US2298991090 What is Cullen/Frost Bankers's CUSIP number?
Cullen/Frost Bankers's Committee on Uniform Securities Identification Procedures number is: 229899109
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