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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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216 Followers

Cullen/Frost Bankers Ratios

CFR's free cash flow for Q4 2025 was $0.76. For the 2025 fiscal year, CFR's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.21	0.21	0.54	0.55	0.63
Quick Ratio	0.21	0.21	0.54	0.55	0.63
Cash Ratio	0.19	0.19	0.22	0.19	0.24
Solvency Ratio	0.02	0.02	0.01	0.01	0.01
Operating Cash Flow Ratio	<0.01	<0.01	0.02	0.01	0.01
Short-Term Operating Cash Flow Coverage	0.06	0.06	0.23	0.12	0.15
Net Current Asset Value	$ -38.49B	$ -38.49B	$ -23.36B	$ -21.95B	$ -18.61B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.09	0.09	0.09	0.09
Debt-to-Equity Ratio	1.04	1.04	1.18	1.17	1.57
Debt-to-Capital Ratio	0.51	0.51	0.54	0.54	0.61
Long-Term Debt-to-Capital Ratio	0.05	0.05	0.05	0.06	0.07
Financial Leverage Ratio	11.60	11.60	13.47	13.68	16.86
Debt Service Coverage Ratio	0.14	0.14	0.13	0.14	0.13
Interest Coverage Ratio	1.13	1.13	0.89	1.08	3.63
Debt to Market Cap	0.58	0.59	0.53	0.63	0.58
Interest Debt Per Share	85.74	85.12	83.72	78.24	79.79
Net Debt to EBITDA	-4.77	-4.77	-7.23	-5.37	-9.30
Profitability Margins
Gross Profit Margin	75.04%	75.04%	70.14%	73.35%	90.03%
EBIT Margin	26.43%	26.43%	24.42%	26.92%	35.57%
EBITDA Margin	29.44%	29.44%	27.33%	29.81%	39.36%
Operating Profit Margin	26.43%	26.43%	24.42%	26.92%	35.57%
Pretax Profit Margin	26.43%	26.43%	24.42%	26.92%	35.57%
Net Profit Margin	22.21%	22.21%	20.44%	22.60%	30.80%
Continuous Operations Profit Margin	22.21%	22.21%	20.44%	22.60%	30.80%
Net Income Per EBT	84.04%	84.04%	83.70%	83.94%	86.59%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.22%	1.22%	1.11%	1.18%	1.09%
Return on Equity (ROE)	14.95%	14.18%	14.94%	16.09%	18.46%
Return on Capital Employed (ROCE)	13.83%	13.83%	12.81%	14.89%	19.91%
Return on Invested Capital (ROIC)	6.41%	6.41%	5.95%	6.70%	7.17%
Return on Tangible Assets	1.22%	1.22%	1.11%	1.18%	1.11%
Earnings Yield	7.82%	8.00%	6.76%	8.58%	6.75%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	1.74
Payables Turnover	0.00	0.00	0.00	0.00	0.22
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.22	2.22	2.29	2.22	1.71
Asset Turnover	0.06	0.06	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.09	-0.10	-0.13	-0.13	-0.11
Cash Conversion Cycle	0.00	0.00	0.00	0.00	-1.48K
Days of Sales Outstanding	0.00	0.00	0.00	0.00	209.22
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	1.69K
Operating Cycle	0.00	0.00	0.00	0.00	209.22
Cash Flow Ratios
Operating Cash Flow Per Share	4.31	4.28	15.42	7.46	11.26
Free Cash Flow Per Share	3.64	1.99	13.43	4.99	9.67
CapEx Per Share	0.67	2.29	1.99	2.47	1.60
Free Cash Flow to Operating Cash Flow	0.84	0.46	0.87	0.67	0.86
Dividend Paid and CapEx Coverage Ratio	0.90	0.67	2.63	1.20	2.27
Capital Expenditure Coverage Ratio	6.44	1.87	7.74	3.02	7.05
Operating Cash Flow Coverage Ratio	0.06	0.06	0.22	0.11	0.15
Operating Cash Flow to Sales Ratio	0.09	0.09	0.35	0.18	0.38
Free Cash Flow Yield	2.81%	1.57%	10.00%	4.60%	7.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.78	12.51	14.79	11.65	14.81
Price-to-Sales (P/S) Ratio	2.82	2.78	3.02	2.63	4.56
Price-to-Book (P/B) Ratio	1.81	1.77	2.21	1.87	2.73
Price-to-Free Cash Flow (P/FCF) Ratio	35.60	63.70	10.00	21.75	13.83
Price-to-Operating Cash Flow Ratio	30.26	29.61	8.71	14.55	11.87
Price-to-Earnings Growth (PEG) Ratio	5.65	0.97	-5.86	3.81	0.49
Price-to-Fair Value	1.81	1.77	2.21	1.87	2.73
Enterprise Value Multiple	4.82	4.67	3.83	3.46	2.29
Enterprise Value	4.14B	4.01B	2.99B	2.73B	1.69B
EV to EBITDA	4.82	4.67	3.83	3.46	2.29
EV to Sales	1.42	1.37	1.05	1.03	0.90
EV to Free Cash Flow	17.90	31.53	3.47	8.52	2.73
EV to Operating Cash Flow	15.12	14.65	3.02	5.69	2.34
Tangible Book Value Per Share	71.92	71.39	60.74	57.88	38.68
Shareholders’ Equity Per Share	71.92	71.39	60.74	57.88	48.90
Tax and Other Ratios
Effective Tax Rate	0.16	0.16	0.16	0.16	0.13
Revenue Per Share	45.92	45.58	44.40	41.22	29.31
Net Income Per Share	10.20	10.13	9.08	9.31	9.03
Tax Burden	0.84	0.84	0.84	0.84	0.87
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	0.30	0.29	0.27	0.28	0.32
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.42	0.42	1.70	0.80	1.25

Currency in USD