CullenFrost Bankers Valuation

CFR Stock  USD 112.57  1.25  1.12%   
At this time, the firm appears to be overvalued. CullenFrost Bankers shows a prevailing Real Value of $107.81 per share. The current price of the firm is $112.57. Our model approximates the value of CullenFrost Bankers from analyzing the firm fundamentals such as Profit Margin of 0.31 %, current valuation of 3.26 B, and Return On Equity of 0.17 as well as examining its technical indicators and probability of bankruptcy. In general, most investors favor buying undervalued instruments and selling overvalued instruments since, at some point, asset prices and their ongoing real values will blend.
Price Book
2.0019
Enterprise Value
3.3 B
Price Sales
3.6829
Forward PE
13.624
Trailing PE
12.2464
Overvalued
Today
112.57
Please note that CullenFrost Bankers' price fluctuation is very steady at this time. Calculation of the real value of CullenFrost Bankers is based on 3 months time horizon. Increasing CullenFrost Bankers' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Our valuation method for CullenFrost Bankers is useful when determining the fair value of the CullenFrost stock, which is usually determined by what a typical buyer is willing to pay for full or partial control of CullenFrost Bankers. Since CullenFrost Bankers is currently traded on the exchange, buyers and sellers on that exchange determine the market value of CullenFrost Stock. However, CullenFrost Bankers' intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  112.57 Real  107.81 Target  110.93 Hype  112.51 Naive  111.77
The real value of CullenFrost Stock, also known as its intrinsic value, is the underlying worth of CullenFrost Bankers Company, which is reflected in its stock price. It is based on CullenFrost Bankers' financial performance, assets, liabilities, growth prospects, management team, or industry conditions. The intrinsic value of CullenFrost Bankers' stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence CullenFrost Bankers' stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
106.21
Downside
107.81
Real Value
123.83
Upside
Estimating the potential upside or downside of CullenFrost Bankers helps investors to forecast how CullenFrost stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of CullenFrost Bankers more accurately as focusing exclusively on CullenFrost Bankers' fundamentals will not take into account other important factors:
Earnings
Estimates (0)
LowProjectedHigh
1.972.142.35
Details
Hype
Prediction
LowEstimatedHigh
110.91112.51114.11
Details
Potential
Annual Dividend
LowForecastedHigh
2.252.332.41
Details
16 Analysts
Consensus
LowTarget PriceHigh
100.95110.93123.13
Details

CullenFrost Bankers Investments

(989.89 Million)

CullenFrost Bankers Valuation Ratios as Compared to Competition

Comparative valuation techniques use various fundamental indicators to help in determining CullenFrost Bankers's current stock value. Our valuation model uses many indicators to compare CullenFrost Bankers value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CullenFrost Bankers competition to find correlations between indicators driving CullenFrost Bankers's intrinsic value. More Info.
CullenFrost Bankers is number one stock in price to earning category among related companies. It is number one stock in five year return category among related companies reporting about  0.12  of Five Year Return per Price To Earning. The ratio of Price To Earning to Five Year Return for CullenFrost Bankers is roughly  8.66 . Comparative valuation analysis is a catch-all model that can be used if you cannot value CullenFrost Bankers by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for CullenFrost Bankers' Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the CullenFrost Bankers' earnings, one of the primary drivers of an investment's value.
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates CullenFrost Bankers' worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in CullenFrost Bankers and how it compares across the competition.

About CullenFrost Bankers Valuation

The stock valuation mechanism determines the current worth of CullenFrost Bankers on a weekly basis. We use both absolute as well as relative valuation methodologies to arrive at the intrinsic value of CullenFrost Bankers. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of CullenFrost Bankers based exclusively on its fundamental and basic technical indicators. By analyzing CullenFrost Bankers's financials, quarterly and monthly indicators, and its related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of CullenFrost Bankers's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of CullenFrost Bankers. We calculate exposure to CullenFrost Bankers's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to CullenFrost Bankers's related companies.
Last ReportedProjected for 2024
Gross Profit2.2 B2.3 B
Pretax Profit Margin 0.36  0.30 
Operating Profit Margin 0.36  0.51 
Net Profit Margin 0.30  0.23 
Gross Profit Margin 1.00  0.68 

CullenFrost Bankers Quarterly Retained Earnings

3.66 Billion

8 Steps to conduct CullenFrost Bankers' Valuation Analysis

Company's valuation is the process of determining the worth of any company in monetary terms. It estimates CullenFrost Bankers' potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct CullenFrost Bankers' valuation analysis, follow these 8 steps:
  • Gather financial information: Obtain CullenFrost Bankers' financial statements, including balance sheets, income statements, and cash flow statements.
  • Determine CullenFrost Bankers' revenue streams: Identify CullenFrost Bankers' primary sources of revenue, including products or services offered, target markets, and pricing strategies.
  • Analyze market data: Research CullenFrost Bankers' industry and market trends, including the size of the market, growth rate, and competition.
  • Establish CullenFrost Bankers' growth potential: Evaluate CullenFrost Bankers' management, business model, and growth potential.
  • Determine CullenFrost Bankers' financial performance: Analyze its financial statements to assess its historical performance and future potential.
  • Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
  • Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate CullenFrost Bankers' estimated value.
  • Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Note: This is a general outline, and different approaches and methods may be used depending on the type and size of the company being valued. We also recomment to seek professional assistance to ensure accuracy.
CullenFrost Bankers' stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether CullenFrost Bankers' value is low or high relative to the company's performance and growth projections. Determining the market value of CullenFrost Bankers can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of CullenFrost Bankers represents a small ownership stake in the entity. As a stockholder of CullenFrost, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

CullenFrost Bankers Dividends Analysis For Valuation

As of 03/29/2024, Dividend Paid And Capex Coverage Ratio is likely to grow to 6.13, though Dividends Paid is likely to grow to (227 M). . At this time, CullenFrost Bankers' Retained Earnings are relatively stable compared to the past year. As of 03/29/2024, Price Earnings To Growth Ratio is likely to grow to 9.16, while Retained Earnings Total Equity is likely to drop slightly above 2.2 B.
Last ReportedProjected for 2024
Dividends Paid-239 M-227 M
Dividend Yield 0.03  0.02 
Dividend Payout Ratio 0.40  0.33 
Dividend Paid And Capex Coverage Ratio 5.96  6.13 
There are various types of dividends CullenFrost Bankers can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of CullenFrost shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from CullenFrost Bankers directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When CullenFrost pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of CullenFrost Bankers by the value of the dividends paid out.

CullenFrost Bankers Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines. Note, investing in growth stocks can be very risky. If the company such as CullenFrost Bankers does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding64.2 M
Quarterly Earnings Growth Y O Y-0.468
Forward Price Earnings13.624

CullenFrost Bankers Current Valuation Indicators

Valuation refers to the process of determining the present value of CullenFrost Bankers and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value CullenFrost we look at many different elements of the entity such as CullenFrost's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation. CullenFrost Bankers' valuation analysis is also a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final CullenFrost Bankers' valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as CullenFrost Bankers, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use CullenFrost Bankers' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes CullenFrost Bankers' worth.
When determining whether CullenFrost Bankers is a strong investment it is important to analyze CullenFrost Bankers' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact CullenFrost Bankers' future performance. For an informed investment choice regarding CullenFrost Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CullenFrost Bankers. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.
To learn how to invest in CullenFrost Stock, please use our How to Invest in CullenFrost Bankers guide.
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 the Aroon Oscillator module to analyze current equity momentum using Aroon Oscillator and other momentum ratios.

Complementary Tools for CullenFrost Stock analysis

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 the 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.
Quarterly Earnings Growth
(0.47)
Dividend Share
3.58
Earnings Share
9.09
Revenue Per Share
30.232
Quarterly Revenue Growth
(0.03)
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 if CullenFrost Bankers is a good investment 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.