Cullen/Frost Bankers Balance Sheet Health
Financial Health criteria checks 6/6
Cullen/Frost Bankers has total assets of $51.0B and total equity of $4.1B. Total deposits are $41.7B, and total loans are $19.8B. It earns a Net Interest Margin of 3.5%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $9.4B.
Key information
12.3x
Asset to equity ratio
3.5%
Net interest margin
| Total deposits | US$41.72b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.5% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$9.37b |
Recent financial health updates
No updates
Recent updates
Cullen/Frost Bankers: A Growing Texas Bank In A Growing State, Awaiting Cooler Valuation
Nov 21Cullen/Frost: Earnings Remain Subdued, But The Valuation Is Still Attractive
Aug 26Cullen/Frost Bankers' (NYSE:CFR) Dividend Will Be Increased To $0.95
Jul 28
Cullen/Frost Bankers: There Are Better Opportunities Out There At This Time
Feb 12Cullen/Frost Looks Undervalued As Funding Cost Pressure Subsides
Nov 18Cullen/Frost Bank: Phenomenal Buying Opportunity For This Quality Texas Bank
Sep 11Holding On To Cullen/Frost Bankers, A Strong But Overvalued Texas Bank
Jul 03Cullen/Frost Looks Unexpectedly Interesting
Feb 09Cullen/Frost Bankers Q4 2022 Earnings Preview
Jan 25Cullen/Frost Bankers GAAP EPS of $2.59 beats by $0.37, revenue of $479.34M beats by $40.17M
Oct 27Cullen/Frost Bankers: A Well-Run But Far From Cheap Bank
Sep 06Cullen/Frost Bankers goes ex-dividend tomorrow
Aug 29Cullen/Frost Bankers Q2 2022 Earnings Preview
Jul 27Cullen/Frost Bankers: Expense Growth To Counter Strong Top-Line Growth
Jun 17Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CFR's Assets to Equity ratio (12.3x) is moderate.
Allowance for Bad Loans: CFR has a sufficient allowance for bad loans (251%).
Low Risk Liabilities: 89% of CFR's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFR has an appropriate level of Loans to Assets ratio (39%).
Low Risk Deposits: CFR's Loans to Deposits ratio (47%) is appropriate.
Level of Bad Loans: CFR has an appropriate level of bad loans (0.5%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/22 23:09 |
| End of Day Share Price | 2025/01/22 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
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Industry and Sector Metrics
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Analyst Sources
Cullen/Frost Bankers, Inc. is covered by 39 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Matthew Keating | Barclays |
| Lana Chan | BMO Capital Markets Equity Research |
| Leanne Caravaggio | BMO Capital Markets Equity Research |