📊 CFR-PB Key Takeaways
Investment Thesis
Cullen/Frost demonstrates solid profitability with a 29% net margin and 14.2% ROE, supported by strong liquidity (8.9B cash) and zero leverage. However, the dramatic 1738.6% revenue surge is anomalous and likely driven by accounting changes or acquisitions rather than organic growth, raising concerns about sustainable earnings quality and the normalization of net income growth to just 1% YoY.
CFR-PB Strengths
- Exceptional net profit margin of 29% indicates strong pricing power and operational efficiency
- Conservative balance sheet with zero debt and substantial cash reserves of 8.9B providing financial stability
- Positive free cash flow of 127.3M demonstrates ability to fund operations and returns to shareholders
- ROE of 14.2% shows reasonable returns on shareholder capital in banking context
CFR-PB Risks
- Unexplained 1738.6% revenue spike is unsustainable and suggests one-time items or accounting adjustments masking underlying performance
- Anemic 1% net income growth YoY despite massive revenue increase indicates margin compression and deteriorating earnings quality
- Low ROA of 1.2% is weak for a bank and suggests asset utilization challenges or asset quality concerns
- Interest coverage of only 1.5x is concerning and indicates limited capacity to service obligations from operating income
Key Metrics to Watch
- Normalized organic revenue growth excluding one-time items to assess sustainable business trajectory
- Net interest margin and loan portfolio quality given weak ROA and interest coverage metrics
- Free cash flow sustainability as FCF margin of 5.7% may compress if profitability normalizes
CFR-PB Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFR-PB Profitability Ratios
CFR-PB vs Finance Sector
How CULLEN/FROST BANKERS, INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CFR-PB Balance Sheet & Liquidity
CFR-PB 5-Year Financial Trend
5-Year Trend Summary: CULLEN/FROST BANKERS, INC.'s revenue has grown significantly by 37% over the 5-year period, indicating strong business expansion. The most recent EPS of $9.10 reflects profitable operations.
CFR-PB Growth Metrics (YoY)
CFR-PB Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $27.4M | $146.5M | $2.24 |
| Q2 2025 | $26.1M | $145.5M | $2.21 |
| Q1 2025 | $24.8M | $135.7M | $2.06 |
| Q3 2024 | $23.6M | $146.5M | $2.24 |
| Q2 2024 | $23.5M | $145.5M | $2.21 |
| Q1 2024 | $21.9M | $135.7M | $2.06 |
| Q3 2023 | $23.0M | $155.7M | $2.38 |
| Q2 2023 | $23.5M | $119.1M | $1.81 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CFR-PB Capital Allocation
CFR-PB SEC Filings
Access official SEC EDGAR filings for CULLEN/FROST BANKERS, INC. (CIK: 0000039263)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CFR-PB
What is the AI rating for CFR-PB?
CULLEN/FROST BANKERS, INC. (CFR-PB) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFR-PB's key strengths?
Exceptional net profit margin of 29% indicates strong pricing power and operational efficiency. Conservative balance sheet with zero debt and substantial cash reserves of 8.9B providing financial stability.
What are the risks of investing in CFR-PB?
Unexplained 1738.6% revenue spike is unsustainable and suggests one-time items or accounting adjustments masking underlying performance. Anemic 1% net income growth YoY despite massive revenue increase indicates margin compression and deteriorating earnings quality.
What is CFR-PB's revenue and growth?
CULLEN/FROST BANKERS, INC. reported revenue of $2.2B.
Does CFR-PB pay dividends?
CULLEN/FROST BANKERS, INC. pays dividends, with $255.4M distributed to shareholders in the trailing twelve months.
Where can I find CFR-PB SEC filings?
Official SEC filings for CULLEN/FROST BANKERS, INC. (CIK: 0000039263) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CFR-PB's EPS?
CULLEN/FROST BANKERS, INC. has a diluted EPS of $9.92.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.