Cullen/Frost Bankers, Inc. (CFR): Price and Financial Metrics

CFR POWR Grades

• Growth is the dimension where CFR ranks best; there it ranks ahead of 84.51% of US stocks.
• CFR's strongest trending metric is Quality; it's been moving down over the last 179 days.
• CFR's current lowest rank is in the Value metric (where it is better than 6.73% of US stocks).

CFR Stock Summary

• CULLEN/FROST BANKERS INC's stock had its IPO on March 26, 1990, making it an older stock than 86.5% of US equities in our set.
• CFR's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 96.73% of US stocks.
• With a year-over-year growth in debt of 115.11%, CULLEN/FROST BANKERS INC's debt growth rate surpasses 89.38% of about US stocks.
• Stocks with similar financial metrics, market capitalization, and price volatility to CULLEN/FROST BANKERS INC are UMBF, CBSH, FBP, BOH, and FNCB.
• CFR's SEC filings can be seen here. And to visit CULLEN/FROST BANKERS INC's official web site, go to www.frostbank.com.

CFR Valuation Summary

• CFR's price/sales ratio is 3.5; this is 59.09% higher than that of the median Financial Services stock.
• Over the past 243 months, CFR's price/sales ratio has gone up 0.2.

Below are key valuation metrics over time for CFR.

CFR Growth Metrics

The 5 year net income to common stockholders growth rate now stands at 17.93%.
• Its 4 year net income to common stockholders growth rate is now at 17.93%.
• Its 3 year revenue growth rate is now at 6.31%.

CFR's revenue has moved up $591,840,000 over the prior 70 months.

The table below shows CFR's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-12-31	1,693.101	722.582	572.475
2022-09-30	1,541.728	635.592	482.322
2022-06-30	1,425.671	594.757	420.537
2022-03-31	1,387.939	761.353	419.491
2021-12-31	1,371.532	648.293	435.922
2021-09-30	1,341.595	601.758	424.84

CFR's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CFR has a Quality Grade of C, ranking ahead of 29.21% of graded US stocks.
• CFR's asset turnover comes in at 0.03 -- ranking 377th of 430 Banking stocks.
• GCBC, BAC, and UBFO are the stocks whose asset turnover ratios are most correlated with CFR.

The table below shows CFR's key quality metrics over time.