CullenFrost Stock Buy Hold or Sell Recommendation

CFR -  USA Stock  

USD 130.28  6.21  4.55%

Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding CullenFrost Bankers is 'Strong Buy'. Macroaxis provides CullenFrost Bankers buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding CFR positions. The advice algorithm takes into account all of CullenFrost Bankers' available fundamental, technical, and predictive indicators you will find on this site.

CullenFrost Advice 

 
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The advice is provided from CullenFrost Bankers' buy-and-hold perspective. Continue to CullenFrost Bankers Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. We conduct extensive research on individual companies such as CullenFrost and provide practical buy, sell, or hold advice based on selected investing horizon and risk tolerance towards CullenFrost Bankers.

Execute CullenFrost Bankers Buy or Sell Advice

The CullenFrost recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on CullenFrost Bankers. Macroaxis does not own or have any residual interests in CullenFrost Bankers or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute CullenFrost Bankers' advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell CullenFrost BankersBuy CullenFrost Bankers
Strong Buy

Volatility

Very steadyDetails

Hype Condition

Low keyDetails

Current Valuation

UndervaluedDetails

Odds of Distress

Below AverageDetails

Economic Sensitivity

Actively responds to the marketDetails

Analyst Consensus

SellDetails

Financial Strenth (F Score)

HealthyDetails

Financial Leverage

InapplicableDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon CullenFrost Bankers has a Risk Adjusted Performance of 0.0968, Jensen Alpha of 0.2475, Total Risk Alpha of 0.2676, Sortino Ratio of 0.1453 and Treynor Ratio of 0.1241
Macroaxis provides advice on CullenFrost Bankers to complement and cross-verify current analyst consensus on CullenFrost Bankers. Our investment recommendation engine determines the company's potential to grow exclusively from the perspective of an investor's current risk tolerance and investing horizon. To make sure CullenFrost Bankers is not overpriced, please confirm all CullenFrost Bankers fundamentals, including its price to earning, debt to equity, retained earnings, as well as the relationship between the ebitda and price to earnings to growth . Given that CullenFrost Bankers has a number of shares shorted of 2.28 M, we suggest you to validate CullenFrost Bankers market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your prevailing risk tolerance and investing horizon.

CullenFrost Bankers Trading Alerts and Improvement Suggestions

Over 87.0% of the company shares are held by institutions such as insurance companies
Latest headline from www.marketbeat.com: Brokerages Expect GATX Co. to Post 1.07 EPS - MarketBeat

CullenFrost Bankers current analysts advice

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. CullenFrost analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. CullenFrost analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target Mean Price113.58
Target Median Price112.00
Target High Price144.00
Recommendation Mean3.70
Number Of Analyst Opinions12
Target Low Price96.00
Average Consensus Sell
The consensus estimates and target price estimation comprises individual analyst assessments, and may or may not mutch the Macroaxis buy or sell advice. It is determined by taking an average of all analyst recommendations and classifying them as Strong Buy, Buy, Hold, or Sell.

CullenFrost Bankers Returns Distribution Density

The distribution of CullenFrost Bankers' historical returns is an attempt to chart the future uncertainty of CullenFrost Bankers' future price movements. The chart of the probability distribution of CullenFrost Bankers stock daily returns describes the distribution of returns around its average expected value. We use CullenFrost Bankers price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of CullenFrost Bankers returns is essential to provide solid investment advice for CullenFrost Bankers stock.
Mean Return0.21Value At Risk-1.98
Potential Upside2.98Standard Deviation1.72
 Return Density 
      Distribution 
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of CullenFrost Bankers historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

CullenFrost Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as CullenFrost Bankers is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading CullenFrost Bankers backward and forwards among themselves. CullenFrost Bankers' institutional investor refers to the entity that pools money to purchase CullenFrost Bankers' securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Security TypeSharesValue
Aristotle Capital Management LlcCommon Shares7.2 M855.1 M
Vanguard Group IncCommon Shares5.8 M690.7 M
Blackrock IncCommon Shares4.9 M580 M
State Street CorpCommon Shares4.8 M564.3 M
Fmr LlcCommon Shares2.5 M301.9 M
King Luther Capital Management CorpCommon Shares2.3 M269.3 M
Invesco LtdCommon Shares2.2 M260.5 M
Note, although CullenFrost Bankers' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

CullenFrost Bankers Cash Flow Accounts

201620172018201920202021 (projected)
Capital Expenditure5.13 M(29.56 M)(65.64 M)(198.68 M)(89.43 M)(96.49 M)
Depreciation Amortization and Accretion48.18 M47.81 M50.17 M54.09 M64.37 M60.09 M
Net Cash Flow or Change in Cash and Cash Equivalents549.92 M911.6 M(1.1 B)(167.6 M)6.5 B7.01 B
Issuance Purchase of Equity Shares77.58 M(33.73 M)(69.36 M)(48.02 M)(3.23 M)(3.48 M)
Issuance Repayment of Debt Securities83.47 M169.27 M219.72 M327.79 M421.65 M454.94 M
Payment of Dividends and Other Cash Distributions(134.9 M)(144.17 M)(165.45 M)(177.01 M)(180.58 M)(194.84 M)
Net Cash Flow from Financing1.49 B1.04 B253.66 M585.06 M7.61 B8.21 B
Net Cash Flow from Investing(1.37 B)(670.6 M)(1.91 B)(1.39 B)(1.63 B)(1.76 B)
Net Cash Flow Investment Acquisitions and Disposals(1.38 B)(642.14 M)(1.85 B)(1.19 B)(1.54 B)(1.66 B)
Net Cash Flow from Operations437.84 M538.08 M562.39 M634.09 M524.24 M515.59 M
Share Based Compensation11.8 M13.01 M13.94 M15.95 M13.92 M14.98 M

CullenFrost Bankers Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to CullenFrost Bankers or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that CullenFrost Bankers stock's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a CullenFrost stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over DOW
0.25
β
Beta against DOW1.62
σ
Overall volatility
1.69
Ir
Information ratio 0.13

CullenFrost Bankers Volatility Alert

CullenFrost Bankers has relatively low volatility with skewness of 0.16 and kurtosis of 1.0. However, we advise all investors to independently investigate CullenFrost Bankers to ensure all accessible information is consistent with the expectations about its upside potential and future expected returns. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure CullenFrost Bankers' stock risk against market volatility during both bullying and bearish trends. The higher level of volatility that comes with bear markets can directly impact CullenFrost Bankers' stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

CullenFrost Bankers Implied Volatility

CullenFrost Bankers' implied volatility exposes the market's sentiment of CullenFrost Bankers stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if CullenFrost Bankers' implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that CullenFrost Bankers stock will not fluctuate a lot when CullenFrost Bankers' options are near their expiration.

CullenFrost Bankers Fundamentals Vs Peers

Comparing CullenFrost Bankers' fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze CullenFrost Bankers' direct or indirect competition across all of the common fundamentals between CullenFrost Bankers and the related equities. This way, we can detect undervalued stocks with similar characteristics as CullenFrost Bankers or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of CullenFrost Bankers' fundamental indicators could also be used in its relative valuation, which is a method of valuing CullenFrost Bankers by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare CullenFrost Bankers to competition
FundamentalsCullenFrost BankersPeer Average
Return On Equity9.96 %(0.31) %
Return On Asset0.97 %(0.14) %
Profit Margin31.89 %(1.27) %
Operating Margin36.32 %(5.51) %
Current Valuation(4.94 B)16.62 B
Shares Outstanding63.55 M571.82 M
Shares Owned by Insiders10.81 %10.09 %
Shares Owned by Institutions86.91 %39.21 %
Number of Shares Shorted2.28 M4.71 M
Price to Earning21.83 X28.72 X
Price to Book2.07 X9.51 X
Price to Sales6.51 X11.42 X
Revenue1.31 B9.43 B
Gross Profit1.2 B27.38 B
EBITDA309.83 M3.9 B
Net Income409.48 M570.98 M
Cash and Equivalents15.26 B2.7 B
Cash per Share239.68 X5.01 X
Total Debt2.98 B5.32 B
Debt to Equity8.88 %48.70 %
Book Value Per Share64.89 X1.93 K
Cash Flow from Operations665.87 M971.22 M
Short Ratio9.40 X4.00 X
Earnings Per Share6.14 X3.12 X
Price to Earnings To Growth1.75 X4.89 X
Number of Employees4.68 K18.84 K
Beta1.47-0.15
Market Capitalization8.52 B19.03 B
Total Asset28.57 B29.47 B
Retained Earnings2.44 B9.33 B
Z Score1.28.72
Five Year Return2.82 %
Last Dividend Paid3.0
   Exercise or conversion by Jerry Salinas of 15340 shares of CullenFrost Bankers subject to Rule 16b-3 [view details]

About CullenFrost Bankers Buy or Sell Advice

When is the right time to buy or sell CullenFrost Bankers? Buying financial instruments such as CullenFrost Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the stock market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Although CullenFrost Bankers investors may find it confusing at the beginning, most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
 2018 2019 2020 2021 (projected)
Cash and Equivalents3.96 B3.79 B10.29 B11.1 B
Total Assets32.29 B34.03 B42.39 B38.78 B

Use Investing Ideas to Build Portfolios

In addition to having CullenFrost Bankers in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

Did You Try This Idea?

Run Agriculture Thematic Idea Now

Agriculture
Agriculture Theme
Fama and French focuses on testing asset pricing under different economic assumptions. Agriculture theme has 29 constituents.
View All  Next Launch Agriculture
Continue to CullenFrost Bankers Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. 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 Bond Directory module to find actively traded corporate debentures issued by US companies.

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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.