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STOCKS

Cullen/Frost Bankers (CFR)

NYSE:CFR

CFR

Cullen/Frost Bankers

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Cullen/Frost Bankers (CFR) Ratios

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Cullen/Frost Bankers Ratios

CFR's free cash flow for Q1 2025 was $0.74. For the 2025 fiscal year, CFR's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.20	0.55	23.10	41.20	29.19
Quick Ratio	0.20	0.55	37.30	63.46	43.56
Cash Ratio	0.17	0.19	13.65	21.93	14.09
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	<0.01	0.01	0.83	0.86	0.72
Short-Term Operating Cash Flow Coverage	0.05	0.12	0.00	0.00	0.00
Net Current Asset Value	$ -38.59B	$ -21.95B	$ -29.74B	$ -13.38B	$ -15.36B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.09	<0.01	<0.01	<0.01
Debt-to-Equity Ratio	1.15	1.17	0.07	0.05	0.05
Debt-to-Capital Ratio	0.53	0.54	0.07	0.05	0.05
Long-Term Debt-to-Capital Ratio	0.05	0.06	0.07	0.05	0.05
Financial Leverage Ratio	12.64	13.68	16.86	11.01	9.54
Debt Service Coverage Ratio	0.13	0.14	3.53	21.44	8.78
Interest Coverage Ratio	0.94	1.08	5.50	20.48	7.80
Debt to Market Cap	0.59	0.63	0.03	0.03	0.04
Interest Debt Per Share	85.21	78.24	6.34	3.87	4.47
Net Debt to EBITDA	-3.93	-5.37	-15.67	-29.20	-24.18
Profitability Margins
Gross Profit Margin	71.21%	73.35%	100.00%	100.00%	100.00%
EBIT Margin	24.93%	26.92%	303.49%	35.69%	24.37%
EBITDA Margin	27.88%	29.81%	335.86%	40.74%	28.84%
Operating Profit Margin	24.93%	26.92%	460.50%	35.69%	24.37%
Pretax Profit Margin	24.93%	26.92%	303.49%	35.69%	24.37%
Net Profit Margin	20.89%	22.60%	262.80%	32.30%	22.97%
Continuous Operations Profit Margin	20.89%	22.60%	262.80%	32.30%	22.97%
Net Income Per EBT	83.78%	83.94%	86.59%	90.51%	94.26%
EBT Per EBIT	100.00%	100.00%	65.90%	100.00%	100.00%
Return on Assets (ROA)	1.15%	1.18%	1.09%	0.91%	0.81%
Return on Equity (ROE)	15.12%	16.09%	18.46%	9.98%	7.71%
Return on Capital Employed (ROCE)	13.93%	14.89%	1.95%	1.02%	0.87%
Return on Invested Capital (ROIC)	6.22%	6.70%	4.20%	0.93%	0.95%
Return on Tangible Assets	1.15%	1.18%	1.11%	0.92%	0.82%
Earnings Yield	7.47%	8.58%	6.75%	5.52%	6.05%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.25	2.22	0.20	1.31	1.38
Asset Turnover	0.06	0.05	<0.01	0.03	0.04
Working Capital Turnover Ratio	-0.10	-0.13	<0.01	0.05	0.08
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	3.19	7.46	11.26	10.19	8.36
Free Cash Flow Per Share	1.16	4.99	9.67	9.16	6.84
CapEx Per Share	2.03	2.47	1.60	1.04	1.52
Free Cash Flow to Operating Cash Flow	0.36	0.67	0.86	0.90	0.82
Dividend Paid and CapEx Coverage Ratio	0.54	1.20	2.27	2.48	1.89
Capital Expenditure Coverage Ratio	1.57	3.02	7.05	9.84	5.49
Operating Cash Flow Coverage Ratio	0.04	0.11	3.25	2.92	2.23
Operating Cash Flow to Sales Ratio	0.07	0.18	3.28	0.47	0.36
Free Cash Flow Yield	0.93%	4.60%	7.23%	7.26%	7.84%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.39	11.65	14.81	18.10	16.52
Price-to-Sales (P/S) Ratio	2.80	2.63	38.92	5.85	3.80
Price-to-Book (P/B) Ratio	1.95	1.87	2.73	1.81	1.27
Price-to-Free Cash Flow (P/FCF) Ratio	107.57	21.75	13.83	13.77	12.76
Price-to-Operating Cash Flow Ratio	39.04	14.55	11.87	12.37	10.44
Price-to-Earnings Growth (PEG) Ratio	4.95	3.81	0.49	0.55	-0.64
Price-to-Fair Value	1.95	1.87	2.73	1.81	1.27
Enterprise Value Multiple	6.10	3.46	-4.08	-14.85	-11.02
Enterprise Value	4.87B	2.73B	-3.02B	-8.30B	-4.58B
EV to EBITDA	6.10	3.46	-4.08	-14.85	-11.02
EV to Sales	1.70	1.03	-13.70	-6.05	-3.18
EV to Free Cash Flow	65.42	8.52	-4.87	-14.25	-10.68
EV to Operating Cash Flow	23.76	5.69	-4.18	-12.80	-8.74
Tangible Book Value Per Share	64.03	57.88	38.68	59.49	57.97
Shareholders’ Equity Per Share	64.03	57.88	48.90	69.80	68.44
Tax and Other Ratios
Effective Tax Rate	0.16	0.16	0.13	0.09	0.06
Revenue Per Share	44.54	41.22	3.44	21.56	22.98
Net Income Per Share	9.30	9.31	9.03	6.97	5.28
Tax Burden	0.84	0.84	0.87	0.91	0.94
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.28	2.71	0.36	0.33
Stock-Based Compensation to Revenue	<0.01	<0.01	0.21	0.03	0.02
Income Quality	0.34	0.80	1.25	1.46	1.58

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