Market Price

84.62 

0.21 0.3%

as of Aug 22 '19

52 Week Range:

81.74 113.70


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Cullen/Frost Bankers, Inc. operates as the holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds, and foreign exchange services. Further, it acts as a correspondent for approximately 194 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; holds securities for investment purposes; and provides loans to qualified borrowers, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 131 financial centers and 1,200 ATMs. The company serves the energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 29.68
31.55
33.74
36.68
39.33
38.58
42.33
44.54
47.54
47.96
50.23
growth rate 6.3% 6.9% 8.7% 7.2% -1.9% 9.7% 5.2% 6.7% 0.9% 4.7%
Earnings BIT 296.88
232.76
266.34
286.24
308.48
290.88
339.54
323.64
346.24
417.70
growth rate -21.6% 14.4% 7.5% 7.8% -5.7% 16.7% -4.7% 7.0% 20.6%
Avg.PE 14.39
16.61
17.73
14.90
14.06
19.69
16.08
11.30
19.18
18.49
14.99
growth rate 15.4% 6.7% -16.0% -5.6% 40.0% -18.3% -29.7% 69.7% -3.6% -18.9%
ROA 1.45
1.14
1.23
1.15
1.10
0.97
1.02
0.95
1.00
1.14
1.39
growth rate -21.4% 7.9% -6.5% -4.4% -11.8% 5.2% -6.9% 5.3% 14.0% 21.9%
ROE 12.79
9.79
10.55
10.01
10.12
9.62
10.59
9.92
10.53
11.78
13.91
growth rate -23.5% 7.8% -5.1% 1.1% -4.9% 10.1% -6.3% 6.2% 11.9% 18.1%
ROIC 15.18
10.45
11.24
10.07
10.05
9.52
10.18
growth rate -31.2% 7.6% -10.4% -0.2% -5.3% 6.9%
Leverage 8.53
8.60
8.54
8.90
9.57
10.26
10.45
10.40
10.57
10.07
10.02
growth rate 0.8% -0.7% 4.2% 7.5% 7.2% 1.9% -0.5% 1.6% -4.7% -0.5%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 363.68
292.35
284.54
341.48
340.02
396.65
400.87
growth rate -19.6% -2.7% 20.0% -0.4% 16.7% 1.1%
Acct.Payable 331.02
424.44
218.03
24,135.93
24,343.60
25,811.58
26,872.39
27,149.20
growth rate 28.2% -48.6% 10,970.2% 0.9% 6.0% 4.1% 1.0%
Cur.Assets 4,587.83
3,802.90
4,352.57
5,279.85
4,216.80
growth rate -17.1% 14.5% 21.3% -20.1%
Total Assets 15,034.10
16,288.00
17,617.10
20,317.25
23,124.07
24,312.94
28,277.78
28,565.94
30,196.32
31,747.88
32,292.97
growth rate 8.3% 8.2% 15.3% 13.8% 5.1% 16.3% 1.0% 5.7% 5.1% 1.7%
Cash 1,152.20
1,716.20
2,759.70
11,076.90
12,714.73
13,607.71
4,166.78
3,372.28
3,940.50
4,844.21
3,738.94
growth rate 49.0% 60.8% 301.4% 14.8% 7.0% -69.4% -19.1% 16.9% 22.9% -22.8%
Inventory 5.25
2.26
2.44
2.12
1.18
growth rate -57.1% 8.2% -13.3% -44.5%
Cur.Liabilities 25,017.38
25,292.21
26,825.74
28,057.89
28,569.13
growth rate 1.1% 6.1% 4.6% 1.8%
Liabilities 13,270.60
14,393.60
15,555.40
18,033.71
20,706.59
21,798.78
25,426.37
25,675.60
27,193.79
28,450.02
28,924.05
growth rate 8.5% 8.1% 15.9% 14.8% 5.3% 16.6% 1.0% 5.9% 4.6% 1.7%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
237.12
235.94
236.12
234.74
234.95
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -88.2% -0.5% 0.1% -0.6% 0.1%
Equity 1,763.50
1,894.40
2,061.70
2,283.54
2,417.48
2,514.16
2,706.92
2,745.86
2,858.04
3,153.38
3,224.43
growth rate 7.4% 8.8% 10.8% 5.9% 4.0% 7.7% 1.4% 4.1% 10.3% 2.3%
Common Shares 59.00
60.00
61.00
61.00
62.00
61.00
63.00
63.00
63.00
65.00
65.00
growth rate 1.7% 1.7% 0.0% 1.6% -1.6% 3.3% 0.0% 0.0% 3.2% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 66.20
77.50
-3.90
26.72
24.89
39.60
131.97
147.13
53.65
34.09
79.27
growth rate 17.1% -100.0% 100.0% -6.8% 59.1% 233.3% 11.5% -63.5% -36.5% 132.5%
Cash Dividends 98.20
102.10
108.00
112.21
116.85
126.34
135.24
140.22
142.97
152.24
173.51
growth rate 4.0% 5.8% 3.9% 4.1% 8.1% 7.1% 3.7% 2.0% 6.5% 14.0%
Cash From OA 234.40
273.90
424.50
274.37
300.00
173.61
289.85
394.86
437.84
538.08
562.39
growth rate 16.9% 55.0% -35.4% 9.3% -42.1% 67.0% 36.2% 10.9% 22.9% 4.5%
FCF per Share 2.95
3.29
6.73
6.05
4.46
1.65
2.45
4.69
4.93
6.39
8.90
growth rate 11.5% 104.6% -10.1% -26.3% -63.0% 48.5% 91.4% 5.1% 29.6% 39.3%
Sale Purchase of Stock 5.41
10.08
68.51
29.16
14.85
78.87
67.75
growth rate 86.4% 579.7% -57.4% -49.1% 431.0% -14.1%
FCF 174.00
196.00
408.00
248.00
275.00
134.00
154.00
246.00
384.00
504.00
483.00
growth rate 12.6% 108.2% -39.2% 10.9% -51.3% 14.9% 59.7% 56.1% 31.3% -4.2%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 821.30
830.40
845.50
913.02
920.40
945.32
990.76
1,013.52
1,074.37
1,167.43
1,286.57
growth rate 1.1% 1.8% 8.0% 0.8% 2.7% 4.8% 2.3% 6.0% 8.7% 10.2%
Op.Income 296.90
232.80
266.30
217.54
237.95
237.87
359.88
337.64
361.27
432.69
525.51
growth rate -21.6% 14.4% -18.3% 9.4% 0.0% 51.3% -6.2% 7.0% 19.8% 21.5%
IBT 296.88
232.76
266.34
286.24
308.48
290.88
336.02
319.80
341.41
408.36
508.68
growth rate -21.6% 14.4% 7.5% 7.8% -5.7% 15.5% -4.8% 6.8% 19.6% 24.6%
Net Income 207.30
179.00
208.80
217.54
237.95
237.87
277.98
279.33
304.26
364.15
454.92
growth rate -13.7% 16.7% 4.2% 9.4% 0.0% 16.9% 0.5% 8.9% 19.7% 24.9%
EPS 3.50
3.00
3.44
3.54
3.86
3.80
4.29
4.28
4.70
5.51
6.90
growth rate -14.3% 14.7% 2.9% 9.0% -1.6% 12.9% -0.2% 9.8% 17.2% 25.2%
Gross Profit 990.76
1,013.52
1,074.37
1,167.43
1,286.57
growth rate 2.3% 6.0% 8.7% 10.2%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 25,996.50
26,348.85
27,149.20
26,294.86
25,985.02
growth rate 1.4% 3.0% -3.2% -1.2%
Cur.Assets 3,563.22
3,634.85
4,216.80
2,491.90
2,219.93
growth rate 2.0% 16.0% -40.9% -10.9%
Total Assets 30,687.21
31,223.40
32,292.97
31,664.57
31,818.86
growth rate 1.8% 3.4% -2.0% 0.5%
Cash 3,280.13
3,380.65
3,738.94
2,247.11
1,908.32
growth rate 3.1% 10.6% -39.9% -15.1%
Inventory 3.64
3.77
1.18
1.18
0.91
growth rate 3.4% -68.8% 0.0% -22.8%
Cur.Liabilities 27,037.68
27,501.44
28,569.13
27,560.75
27,349.61
growth rate 1.7% 3.9% -3.5% -0.8%
Liabilities 27,377.70
27,915.16
28,924.05
28,070.99
28,077.56
growth rate 2.0% 3.6% -3.0% 0.0%
LT Debt 234.84
234.90
234.95
235.00
235.06
growth rate 0.0% 0.0% 0.0% 0.0%
Equity 3,165.03
3,163.76
3,224.43
3,449.09
3,596.82
growth rate 0.0% 1.9% 7.0% 4.3%
Common Shares 0.64
0.64
0.64
0.64
0.64
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 29.01
11.02
22.49
44.04
54.58
growth rate -62.0% 104.2% 95.8% 23.9%
Cash Dividends 45.09
45.11
44.74
44.62
46.84
growth rate 0.0% -0.8% -0.3% 5.0%
Cash From OA 43.29
206.17
102.22
146.13
145.78
growth rate 376.2% -50.4% 43.0% -0.2%
Sale Purchase of Stock 6.28
growth rate
FCF 14.29
195.15
79.73
102.09
91.20
growth rate 1,266.0% -59.1% 28.1% -10.7%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 314.09
326.67
332.34
328.25
329.67
growth rate 4.0% 1.7% -1.2% 0.4%
Op.Income 130.15
138.03
135.19
129.58
129.22
growth rate 6.1% -2.1% -4.2% -0.3%
IBT 125.18
133.00
132.86
130.45
126.46
growth rate 6.3% -0.1% -1.8% -3.1%
Net Income 111.34
117.84
119.25
116.50
111.59
growth rate 5.8% 1.2% -2.3% -4.2%
EPS
growth rate
Gross Profit 314.09
326.67
332.34
328.25
329.67
growth rate 4.0% 1.7% -1.2% 0.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (70.60)

YOY Growth Grade:

C (56.22)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.57 11.94 14.43
EPS / Growth 8.2% 7.09 13.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.2% 9.0% 9.0%
Future PE 10.32 15.70 15.70
Future EPS 11.72 16.84 16.84
Value Price
MOS %
29.90
-64.7%
65.32
-22.8%
65.32
-22.8%
MOS Price 14.95 32.66 32.66
IRT 9.16 7.95 7.95

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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