CullenFrost Z Score

CFR -  USA Stock  

USD 130.28  6.21  4.55%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Continue to CullenFrost Bankers Piotroski F Score and CullenFrost Bankers Valuation analysis.

CullenFrost Z Score 

 
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CullenFrost Bankers Return on Invested Capital is relatively stable at the moment as compared to the past year. CullenFrost Bankers reported last year Return on Invested Capital of 0.011. As of 11/28/2021, Market Capitalization is likely to grow to about 5.6 B, while Capital Expenditure is likely to drop (96.5 M). CullenFrost Bankers Weighted Average Shares is relatively stable at the moment as compared to the past year. CullenFrost Bankers reported last year Weighted Average Shares of 62.85 Million. As of 11/28/2021, Income Tax Expense is likely to grow to about 20.7 M, while Selling General and Administrative Expense is likely to drop slightly above 649.7 M.

CullenFrost Z Score Analysis

CullenFrost Bankers' Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..
 2018 2019 2020 2021 (projected)
PPandE Turnover2.611.911.442.17
Calculated Tax Rate10.5711.195.745.89
Z Score 
 = 
Sum Of  
 
5 Factors 
More About Z Score | All Equity Analysis

Current CullenFrost Bankers Z Score

    
  1.2  
Most of CullenFrost Bankers' fundamental indicators, such as Z Score, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, CullenFrost Bankers is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
First Factor
 = 
1.2 * (
Working Capital
/
Total Assets )
Second Factor
 = 
1.4 * (
Retained Earnings
/
Total Assets )
Thrid Factor
 = 
3.3 * (
EBITAD
/
Total Assets )
Fouth Factor
 = 
0.6 * (
Market Value of Equity
/
Total Liabilities )
Fifth Factor
 = 
0.99 * (
Revenue
/
Total Assets )

CullenFrost Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for CullenFrost Bankers is extremely important. It helps to project a fair market value of Ford stock properly, considering its historical fundamentals such as Z Score. Since CullenFrost Bankers' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of CullenFrost Bankers' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of CullenFrost Bankers' interrelated accounts and indicators.
To calculate Z-Score one would need to know current working capital of the company, its total assets, and liabilities, amount of latest retained earnings as well as earnings before interest and tax. Z-Score can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area' with scores of less than 1, indicating the high probability of distress. Z Score is used widely by financial auditors, accountants, money managers, loan processers, wealth advisers, as well as day traders. In the last 25 years, many financial models that utilize z score has been proved to be successful as a predictor of corporate bankruptcy.
Compare to competition

In accordance with the company's disclosures, CullenFrost Bankers has a Z Score of 1.2. This is 50.21% lower than that of the Financial Services sector and significantly higher than that of the Banks—Regional industry. The z score for all United States stocks is 86.24% higher than that of the company.

CullenFrost Bankers Current Valuation Drivers

We derive many important indicators used in calculating different scores of CullenFrost Bankers from analyzing CullenFrost Bankers' financial statements. These drivers represent accounts that assess CullenFrost Bankers' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of CullenFrost Bankers' important valuation drivers and their relationship over time.
201620172018201920202021 (projected)
Net Income Per Employee71.95 K85.28 K104.1 K95.21 K70.49 K67.46 K
Revenue Per Employee269.15 K287.92 K320.94 K321.46 K316.42 K280.13 K
Average Assets29.29 B30.87 B31.42 B32.65 B39 B36.28 B
Earnings Before Interest Taxes and Depreciation Amortization EBITDA389.59 M456.18 M558.85 M553.56 M415.69 M451.16 M
Earnings Before Interest Taxes and Depreciation Amortization USD389.59 M456.18 M558.85 M553.56 M415.69 M451.16 M
Earnings before Tax341.41 M408.36 M508.68 M499.47 M351.32 M391.06 M
Average Equity3.07 B3.2 B3.31 B3.78 B4.05 B3.83 B
Enterprise Value2.6 B2.12 B3.52 B4.65 B151.12 M155.09 M
Free Cash Flow442.97 M508.51 M496.75 M435.41 M434.81 M429.75 M
Invested Capital26.61 B27.42 B29.28 B31.51 B33.8 B32.06 B
Invested Capital Average25.83 B26.84 B28.26 B30.86 B33.14 B31.21 B
Market Capitalization5.55 B5.98 B5.62 B6.12 B5.48 B5.61 B
Tangible Asset Value29.53 B31.09 B31.63 B33.37 B41.73 B38.08 B

CullenFrost Bankers Institutional Holders

Institutional Holdings refers to the ownership stake in CullenFrost Bankers that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of CullenFrost Bankers' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing CullenFrost Bankers' value.
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

CullenFrost Fundamentals

About CullenFrost Bankers Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze CullenFrost Bankers's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of CullenFrost Bankers using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of CullenFrost Bankers based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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.

Be your own money manager

Our tools can tell you how much better you can do entering a position in CullenFrost Bankers without increasing your portfolio risk or giving up expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate.risk-adjusted returns of your individual positions relative to your overall portfolio.

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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 CullenFrost Bankers Piotroski F Score and CullenFrost Bankers Valuation analysis. 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 Price Transformation module to use Price Transformation models to analyze depth of different equity instruments across global markets.

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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.