Cullen/Frost Bankers(CFR)
$157.85-0.31 (-0.20%)
CFR
Cullen/Frost Bankers financials statements
$157.85
At close:-0.31 (-0.20%)
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Cullen/Frost Bankers (CFR) Ratios
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Cullen/Frost Bankers Ratios
CFR's free cash flow for Q3 2026 was $248.66M. For the 2026 fiscal year, CFR's free cash flow was decreased by $-43.99M and operating cash flow was $292.65M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.21 | 0.54 | 0.55 | 0.63 | 0.67 |
| Quick Ratio | 0.21 | 0.54 | 0.55 | 0.63 | 0.67 |
| Cash Ratio | 0.19 | 0.22 | 0.19 | 0.24 | 0.36 |
| Solvency Ratio | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.06 | 0.23 | 0.12 | 0.15 | 0.23 |
| Net Current Asset Value | $ -38.49B | $ -23.36B | $ -21.95B | $ -18.61B | $ -15.36B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.09 | 0.09 | 0.09 | 0.09 | 0.06 |
| Debt-to-Equity Ratio | 1.04 | 1.18 | 1.17 | 1.57 | 0.67 |
| Debt-to-Capital Ratio | 0.51 | 0.54 | 0.54 | 0.61 | 0.40 |
| Long-Term Debt-to-Capital Ratio | 0.05 | 0.05 | 0.06 | 0.07 | 0.05 |
| Financial Leverage Ratio | 11.60 | 13.47 | 13.68 | 16.86 | 11.46 |
| Debt Service Coverage Ratio | 0.14 | 0.13 | 0.14 | 0.13 | 0.18 |
| Interest Coverage Ratio | 1.13 | 0.89 | 1.08 | 3.63 | 20.48 |
| Debt to Market Cap | 0.59 | 0.53 | 0.63 | 0.58 | 0.37 |
| Interest Debt Per Share | 85.12 | 83.72 | 78.24 | 79.79 | 47.36 |
| Net Debt to EBITDA | -4.77 | -7.23 | -5.37 | -9.30 | -24.25 |
| Profitability Margins | |||||
| Gross Profit Margin | 75.04% | 70.14% | 73.35% | 90.03% | 98.28% |
| EBIT Margin | 26.43% | 24.42% | 26.92% | 35.57% | 35.08% |
| EBITDA Margin | 29.44% | 27.33% | 29.81% | 39.36% | 40.05% |
| Operating Profit Margin | 26.43% | 24.42% | 26.92% | 35.57% | 35.08% |
| Pretax Profit Margin | 26.43% | 24.42% | 26.92% | 35.57% | 35.08% |
| Net Profit Margin | 22.21% | 20.44% | 22.60% | 30.80% | 31.75% |
| Continuous Operations Profit Margin | 22.21% | 20.44% | 22.60% | 30.80% | 31.75% |
| Net Income Per EBT | 84.04% | 83.70% | 83.94% | 86.59% | 90.51% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.22% | 1.11% | 1.18% | 1.09% | 0.87% |
| Return on Equity (ROE) | 14.18% | 14.94% | 16.09% | 18.46% | 9.98% |
| Return on Capital Employed (ROCE) | 13.83% | 12.81% | 14.89% | 19.91% | 10.50% |
| Return on Invested Capital (ROIC) | 6.41% | 5.95% | 6.70% | 7.17% | 5.96% |
| Return on Tangible Assets | 1.22% | 1.11% | 1.18% | 1.11% | 0.88% |
| Earnings Yield | 8.00% | 6.76% | 8.58% | 6.75% | 5.52% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 1.74 | 2.28 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.22 | 0.03 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.22 | 2.29 | 2.22 | 1.71 | 1.33 |
| Asset Turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.10 | -0.13 | -0.13 | -0.11 | -0.09 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | -1477.65 | -11328.59 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 209.22 | 160.20 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 1686.87 | 11488.80 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 209.22 | 160.20 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.28 | 15.42 | 7.46 | 11.26 | 10.19 |
| Free Cash Flow Per Share | 1.99 | 13.43 | 4.99 | 9.67 | 9.16 |
| Dividend Paid and CapEx Coverage Ratio | 0.67 | 2.63 | 1.20 | 2.27 | 2.48 |
| Capital Expenditure Coverage Ratio | 1.87 | 7.74 | 3.02 | 7.05 | 9.84 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.22 | 0.11 | 0.15 | 0.22 |
| Operating Cash Flow to Sales Ratio | 0.09 | 0.35 | 0.18 | 0.38 | 0.46 |
| Free Cash Flow Yield | 1.57% | 10.00% | 4.60% | 7.23% | 7.26% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.64 | 14.79 | 11.65 | 14.81 | 18.10 |
| Price-to-Sales (P/S) Ratio | 2.78 | 3.02 | 2.63 | 4.56 | 5.75 |
| Price-to-Book (P/B) Ratio | 1.77 | 2.21 | 1.87 | 2.73 | 1.81 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 63.70 | 10.00 | 21.75 | 13.83 | 13.77 |
| Price-to-Operating Cash Flow Ratio | 29.61 | 8.71 | 14.55 | 11.87 | 12.37 |
| Price-to-Earnings Growth (PEG) Ratio | 0.98 | -5.86 | 3.81 | 0.49 | 0.55 |
| Enterprise Value Multiple | 4.67 | 3.83 | 3.46 | 2.29 | -9.90 |
| Enterprise Value | 4.01B | 2.99B | 2.73B | 1.69B | -5.53B |
| EV to EBITDA | 4.67 | 3.83 | 3.46 | 2.29 | -9.90 |
| EV to Sales | 1.37 | 1.05 | 1.03 | 0.90 | -3.96 |
| EV to Free Cash Flow | 31.53 | 3.47 | 8.52 | 2.73 | -9.50 |
| EV to Operating Cash Flow | 14.65 | 3.02 | 5.69 | 2.34 | -8.53 |
| Tangible Book Value Per Share | 71.39 | 60.74 | 57.88 | 38.68 | 59.48 |
| Shareholders’ Equity Per Share | 71.39 | 60.74 | 57.88 | 48.90 | 69.79 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.16 | 0.16 | 0.16 | 0.13 | 0.09 |
| Revenue Per Share | 45.58 | 44.40 | 41.22 | 29.31 | 21.94 |
| Net Income Per Share | 10.13 | 9.08 | 9.31 | 9.03 | 6.97 |
| Tax Burden | 0.84 | 0.84 | 0.84 | 0.87 | 0.91 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.31 | 0.29 | 0.28 | 0.32 | 0.35 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 0.42 | 1.70 | 0.80 | 1.25 | 1.46 |
Currency in USD
