CullenFrost Financial Statements From 2010 to 2021

CFR -  USA Stock  

USD 130.28  6.21  4.55%

CullenFrost Bankers financial statements provide useful quarterly and yearly information to potential CullenFrost Bankers investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on CullenFrost Bankers financial statements helps investors assess CullenFrost Bankers' valuation, profitability, and current liquidity needs.
There are over eighty-three available fundamental signals for CullenFrost Bankers, which can be analyzed over time and compared to other ratios. Please make sure to validate CullenFrost Bankers' prevailing fundamental performance against the performance between 2010 and 2021 to make sure the trends are evolving in the right direction.
CullenFrost Bankers Earnings Before Interest Taxes and Depreciation Amortization EBITDA are relatively stable at the moment as compared to the past year. CullenFrost Bankers reported last year Earnings Before Interest Taxes and Depreciation Amortization EBITDA of 415.69 Million. As of 11/28/2021, Earnings before Tax is likely to grow to about 391.1 M, while Revenue Per Employee is likely to drop slightly above 280.1 K.

CullenFrost Financial Statements 

 
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Check CullenFrost Bankers financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among CullenFrost main balance sheet or income statement drivers, such as Consolidated Income of 351 M, Earning Before Interest and Taxes EBIT of 391.1 M or Gross Profit of 1.2 B, as well as many exotic indicators such as Calculated Tax Rate of 5.89, PPandE Turnover of 2.17 or Cash and Equivalents Turnover of 0.29. CullenFrost financial statements analysis is a perfect complement when working with CullenFrost Bankers Valuation or Volatility modules. It can also supplement various CullenFrost Bankers Technical models. Continue to the analysis of CullenFrost Bankers Correlation against competitors.

CullenFrost Bankers Revenues

1.24 BillionShare

CullenFrost Bankers Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets38.8 B42.4 B29.3 B
Increasing
Slightly volatile
Cash and Equivalents11.1 B10.3 BB
Increasing
Slightly volatile
Investments28.7 B29.8 B23 B
Increasing
Slightly volatile
Deposit Liabilities32.2 B35 B24.6 B
Increasing
Slightly volatile
Property Plant and Equipment Net862 MB565.4 M
Increasing
Slightly volatile
Goodwill and Intangible Assets703 M656.5 M624.6 M
Increasing
Slightly volatile
Total Liabilities34.8 B38.1 B26.2 B
Increasing
Slightly volatile
Shareholders EquityB4.3 B3.1 B
Increasing
Slightly volatile
Accumulated Retained Earnings Deficit2.6 B2.8 BB
Increasing
Slightly volatile
Accumulated Other Comprehensive Income553.5 M513 M196.8 M
Increasing
Slightly volatile
Total DebtB2.4 B1.3 B
Increasing
Slightly volatile
Shareholders Equity USDB4.3 B3.1 B
Increasing
Slightly volatile
Cash and Equivalents USD11.1 B10.3 BB
Increasing
Slightly volatile
Total Debt USDB2.4 B1.3 B
Increasing
Slightly volatile
Long Term Debt265.8 M235.4 M246.8 M
Decreasing
Stable

CullenFrost Bankers Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Revenues1.2 B1.2 B1.1 B
Increasing
Slightly volatile
Selling General and Administrative Expense649.7 M671.2 M523.6 M
Increasing
Slightly volatile
Operating Expenses845.9 M848.9 M702.5 M
Increasing
Slightly volatile
Income Tax Expense20.7 M20.2 M48.3 M
Decreasing
Slightly volatile
Consolidated Income351 M331.2 M309 M
Increasing
Slightly volatile
Net Income351 M331.2 M309 M
Increasing
Slightly volatile
Preferred Dividends Income Statement Impact8.5 M7.5 M7.6 M
Increasing
Slightly volatile
Net Income Common Stock343.7 M323.6 M303.2 M
Increasing
Slightly volatile
Weighted Average Shares69.1 M62.9 M62.8 M
Increasing
Slightly volatile
Weighted Average Shares Diluted59.6 M63 M62.4 M
Increasing
Stable
Earning Before Interest and Taxes EBIT391.1 M351.3 M359 M
Increasing
Slightly volatile
Revenues USD1.2 B1.2 B1.1 B
Increasing
Slightly volatile
Net Income Common Stock USD343.7 M323.6 M303.2 M
Increasing
Slightly volatile
Earning Before Interest and Taxes USD391.1 M351.3 M359 M
Increasing
Slightly volatile
Gross Profit1.2 B1.2 B1.1 B
Increasing
Slightly volatile
Operating Income391.1 M351.3 M359 M
Increasing
Slightly volatile

CullenFrost Bankers Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Capital Expenditure(96.5 M)(89.4 M)(69.4 M)
Decreasing
Slightly volatile
Net Cash Flow Business Acquisitions and Disposals(580.7 K)(565.8 K)68.1 M
Decreasing
Stable
Net Cash Flow from Financing8.2 B7.6 B2.3 B
Increasing
Slightly volatile
Issuance Repayment of Debt Securities 454.9 M421.7 M155.8 M
Increasing
Slightly volatile
Issuance Purchase of Equity Shares(3.5 M)(3.2 M)(13.2 M)
Decreasing
Stable
Net Cash Flow from Operations515.6 M524.2 M422.5 M
Increasing
Slightly volatile
Net Cash Flow or Change in Cash and Cash EquivalentsB6.5 B1.3 B
Increasing
Slightly volatile
Share Based Compensation15 M13.9 M13.4 M
Increasing
Stable
Depreciation Amortization and Accretion60.1 M64.4 M46.5 M
Increasing
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Earnings per Basic Share5.465.114.8357
Increasing
Slightly volatile
Earnings per Diluted Share5.445.14.8081
Increasing
Slightly volatile
Earnings per Basic Share USD5.465.114.8357
Increasing
Slightly volatile
Dividends per Basic Common Share2.772.852.2495
Increasing
Slightly volatile
Return on Average Equity0.10.080.102
Increasing
Stable
Return on Average Assets0.01060.0080.011
Decreasing
Very volatile
Return on Invested Capital0.01220.0110.015
Decreasing
Slightly volatile
Gross Margin0.890.90.9829
Decreasing
Slightly volatile
Profit Margin0.310.270.2844
Increasing
Slightly volatile
EBITDA Margin0.40.3460.384
Increasing
Stable
Return on Sales0.350.2930.3397
Increasing
Stable
Asset Turnover0.03280.0310.0387
Decreasing
Slightly volatile
Payout Ratio0.490.5580.4733
Decreasing
Stable
Enterprise Value over EBITDA0.380.3643.3759
Increasing
Very volatile
Enterprise Value over EBIT8.3410.355.5577
Increasing
Slightly volatile
Price to Earnings Ratio15.7217.0715.9773
Decreasing
Stable
Sales per Share19.7619.09517.0062
Increasing
Slightly volatile
Price to Sales Ratio5.04.5684.5202
Increasing
Slightly volatile
Price to Book Value1.341.2771.5634
Decreasing
Stable
Debt to Equity Ratio9.588.8748.5751
Increasing
Slightly volatile
Dividend Yield0.02990.0330.0298
Decreasing
Stable
Free Cash Flow per Share6.866.9185.664
Increasing
Slightly volatile
Book Value per Share63.6868.30149.2247
Increasing
Slightly volatile
Tangible Assets Book Value per Share607664459
Increasing
Slightly volatile
Total Assets Per Share546673463
Increasing
Slightly volatile
Cash Flow Per Share7.178.31986.666
Increasing
Slightly volatile
Calculated Tax Rate5.895.741214.3109
Decreasing
Slightly volatile
PPandE Turnover2.171.4412.4172
Decreasing
Slightly volatile
Cash and Equivalents Turnover0.290.21610.3013
Decreasing
Very volatile
Revenue to Assets0.0420.03510.0408
Decreasing
Slightly volatile

CullenFrost Bankers Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Earnings before Tax391.1 M351.3 M359 M
Increasing
Slightly volatile
Earnings Before Interest Taxes and Depreciation Amortization EBITDA451.2 M415.7 M405.5 M
Increasing
Slightly volatile
Earnings Before Interest Taxes and Depreciation Amortization USD451.2 M415.7 M405.5 M
Increasing
Slightly volatile
Market Capitalization5.6 B5.5 B4.8 B
Increasing
Slightly volatile
Enterprise Value155.1 M151.1 M1.5 B
Increasing
Stable
Invested Capital32.1 B33.8 B25.3 B
Increasing
Slightly volatile
Average Equity3.8 B4.1 BB
Increasing
Slightly volatile
Average Assets36.3 B39 B28 B
Increasing
Slightly volatile
Invested Capital Average31.2 B33.1 B24.4 B
Increasing
Slightly volatile
Tangible Asset Value38.1 B41.7 B28.7 B
Increasing
Slightly volatile
Free Cash Flow429.7 M434.8 M353.9 M
Increasing
Slightly volatile
Revenue Per Employee280.1 K316.4 K270.6 K
Increasing
Slightly volatile
Net Income Per Employee67.5 K70.5 K71.7 K
Increasing
Slightly volatile

CullenFrost Fundamental Market Drivers

Short Percent Of Float3.72%
Forward Price Earnings23.95
Shares Short Prior Month1.93M
Average Daily Volume Last 10 Day196.42k
Average Daily Volume In Three Month278.69k
Date Short Interest31st of August 2021
Fifty Day Average126.56
Two Hundred Day Average116.36

CullenFrost Upcoming Events

Upcoming Quarterly Report27th of January 2022
Next Earnings Report5th of May 2022
Next Fiscal Quarter End31st of December 2021
Next Fiscal Year End27th of January 2022
Last Quarter Report30th of September 2021
Last Earning Announcement31st of December 2020

About CullenFrost Bankers Financial Statements

There are typically three primary documents that fall into the category of financial statements. These documents include CullenFrost Bankers income statement, its balance sheet, and the statement of cash flows. CullenFrost Bankers investors use historical funamental indicators, such as CullenFrost Bankers's revenue or net income, to determine how well the company is positioned to perform in the future. Although CullenFrost Bankers investors may use each financial statement separately, they are all related. The changes in CullenFrost Bankers's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on CullenFrost Bankers's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on CullenFrost Bankers Financial Statements. Understanding these patterns can help to make the right decision on long term investment in CullenFrost Bankers. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for 2021
Revenues1.2 B1.2 B
Revenue to Assets 0.035066  0.042 
Revenue Per Employee316.4 K280.1 K
CullenFrost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. CullenFrost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas. CullenFrost Bankers operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 4685 people.

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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.

CullenFrost Bankers Pair Correlation

Equities Pair Trading Analysis

Correlation analysis and pair trading evaluation for CullenFrost Bankers and Bank First National. Pair trading can be used as a hedging technique within a particular sector or industry or even over random equities to generate better risk-adjusted return
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Continue to the analysis of CullenFrost Bankers Correlation against competitors. Note that the CullenFrost Bankers information on this page should be used as a complementary analysis to other CullenFrost Bankers' statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Headlines Timeline module to stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity.

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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 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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Is CullenFrost Bankers' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of CullenFrost Bankers. If investors know CullenFrost will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about CullenFrost Bankers listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of CullenFrost Bankers is measured differently than its book value, which is the value of CullenFrost that is recorded on the company's balance sheet. Investors also form their own opinion of CullenFrost Bankers' value that differs from its market value or its book value, called intrinsic value, which is CullenFrost Bankers' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because CullenFrost Bankers' market value can be influenced by many factors that don't directly affect CullenFrost Bankers' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between CullenFrost Bankers' value and its price as these two are different measures arrived at by different means. Investors typically determine CullenFrost Bankers value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, CullenFrost Bankers' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.