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STOCKS

Cullen/Frost Bankers (CFR)

NYSE:CFR

CFR

Cullen/Frost Bankers

RESEARCH TOOLSreports

Cullen/Frost Bankers (CFR) Ratios

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214 Followers

Cullen/Frost Bankers Ratios

CFR's free cash flow for Q3 2025 was $0.75. For the 2025 fiscal year, CFR's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.40	0.54	0.55	23.10	41.20
Quick Ratio	0.40	0.54	0.55	37.30	63.46
Cash Ratio	0.17	0.22	0.19	13.65	21.93
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	<0.01	0.02	0.01	0.83	0.86
Short-Term Operating Cash Flow Coverage	0.03	0.23	0.12	0.00	0.00
Net Current Asset Value	$ -29.46B	$ -23.36B	$ -21.95B	$ -18.61B	$ -15.36B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.09	0.09	<0.01	<0.01
Debt-to-Equity Ratio	1.08	1.18	1.17	0.07	0.05
Debt-to-Capital Ratio	0.52	0.54	0.54	0.07	0.05
Long-Term Debt-to-Capital Ratio	0.05	0.05	0.06	0.07	0.05
Financial Leverage Ratio	11.78	13.47	13.68	16.86	11.01
Debt Service Coverage Ratio	0.14	0.13	0.14	3.53	21.44
Interest Coverage Ratio	1.48	0.89	1.08	5.50	20.48
Debt to Market Cap	0.54	0.53	0.63	0.03	0.03
Interest Debt Per Share	83.95	83.72	78.24	6.34	3.87
Net Debt to EBITDA	-3.72	-7.23	-5.37	-9.30	-24.25
Profitability Margins
Gross Profit Margin	72.54%	70.14%	73.35%	100.00%	100.00%
EBIT Margin	34.52%	24.42%	26.92%	303.49%	35.69%
EBITDA Margin	37.48%	27.33%	29.81%	335.86%	40.74%
Operating Profit Margin	34.52%	24.42%	26.92%	460.50%	35.69%
Pretax Profit Margin	34.52%	24.42%	26.92%	303.49%	35.69%
Net Profit Margin	29.02%	20.44%	22.60%	262.80%	32.30%
Continuous Operations Profit Margin	29.02%	20.44%	22.60%	262.80%	32.30%
Net Income Per EBT	84.04%	83.70%	83.94%	86.59%	90.51%
EBT Per EBIT	100.00%	100.00%	100.00%	65.90%	100.00%
Return on Assets (ROA)	1.23%	1.11%	1.18%	1.09%	0.87%
Return on Equity (ROE)	15.56%	14.94%	16.09%	18.46%	9.98%
Return on Capital Employed (ROCE)	14.24%	12.81%	14.89%	19.91%	10.50%
Return on Invested Capital (ROIC)	6.48%	5.95%	6.70%	7.17%	5.96%
Return on Tangible Assets	1.23%	1.11%	1.18%	1.11%	0.88%
Earnings Yield	7.26%	6.76%	8.58%	6.75%	5.52%
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	1.73	2.29	2.22	0.20	1.31
Asset Turnover	0.04	0.05	0.05	<0.01	0.03
Working Capital Turnover Ratio	-0.08	-0.13	-0.13	<0.01	0.05
Cash Conversion Cycle	0.00	0.00	0.00	-1.48K	-11.33K
Days of Sales Outstanding	0.00	0.00	0.00	209.22	160.20
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	1.69K	11.49K
Operating Cycle	0.00	0.00	0.00	209.22	160.20
Cash Flow Ratios
Operating Cash Flow Per Share	2.48	15.42	7.46	11.26	10.19
Free Cash Flow Per Share	1.89	13.43	4.99	9.67	9.16
CapEx Per Share	0.59	1.99	2.47	1.60	1.04
Free Cash Flow to Operating Cash Flow	0.76	0.87	0.67	0.86	0.90
Dividend Paid and CapEx Coverage Ratio	0.53	2.63	1.20	2.27	2.48
Capital Expenditure Coverage Ratio	4.18	7.74	3.02	7.05	9.84
Operating Cash Flow Coverage Ratio	0.03	0.22	0.11	3.25	2.92
Operating Cash Flow to Sales Ratio	0.07	0.35	0.18	3.28	0.47
Free Cash Flow Yield	1.33%	10.00%	4.60%	7.23%	7.26%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.78	14.79	11.65	14.81	18.10
Price-to-Sales (P/S) Ratio	4.02	3.02	2.63	38.92	5.85
Price-to-Book (P/B) Ratio	2.00	2.21	1.87	2.73	1.81
Price-to-Free Cash Flow (P/FCF) Ratio	74.96	10.00	21.75	13.83	13.77
Price-to-Operating Cash Flow Ratio	56.73	8.71	14.55	11.87	12.37
Price-to-Earnings Growth (PEG) Ratio	6.10	-5.86	3.81	0.49	0.55
Price-to-Fair Value	2.00	2.21	1.87	2.73	1.81
Enterprise Value Multiple	7.01	3.83	3.46	-4.08	-14.85
Enterprise Value	5.88B	2.99B	2.73B	1.69B	-5.53B
EV to EBITDA	7.01	3.83	3.46	2.29	-9.90
EV to Sales	2.63	1.05	1.03	0.90	-3.96
EV to Free Cash Flow	49.00	3.47	8.52	2.73	-9.50
EV to Operating Cash Flow	37.29	3.02	5.69	2.34	-8.53
Tangible Book Value Per Share	70.15	60.74	57.88	38.68	59.49
Shareholders’ Equity Per Share	70.15	60.74	57.88	48.90	69.80
Tax and Other Ratios
Effective Tax Rate	0.16	0.16	0.16	0.13	0.09
Revenue Per Share	35.15	44.40	41.22	3.44	21.56
Net Income Per Share	10.20	9.08	9.31	9.03	6.97
Tax Burden	0.84	0.84	0.84	0.87	0.91
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	0.27	0.28	0.32	0.35
Stock-Based Compensation to Revenue	0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.25	1.70	0.80	1.25	1.46

Currency in USD