CULLEN/FROST BANKERS, INC.

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CULLEN/FROST BANKERS, INC. listed company

no logo available

General Information

Investor relations pageIR page	no data available
Founding year	no data available
Headquarter	, , no data available
Employees	4,217 (as per Q1 2017)no data available
Sector	Banks, Financial ServicesBanks, Financial Servicesno data available

Ticker	CFRno data available
Financial year endsFY ends	End of Decemberno data available

Stock Information (historical prices adjusted for splits and dividends)

dates	Closing price (adj.)
13.10.2017	96.12
11.10.2017	96.09
04.10.2017	94.11
27.09.2017	94.22
20.09.2017	90.83
13.09.2017	89.15
06.09.2017	84.11
30.08.2017	83.64
23.08.2017	84.62
16.08.2017	86.87
09.08.2017	89.57
02.08.2017	92.16
26.07.2017	95.86
19.07.2017	94.80
12.07.2017	94.98
05.07.2017	95.12
27.06.2017	91.46
20.06.2017	95.16
13.06.2017	97.92
06.06.2017	91.20
30.05.2017	91.16
23.05.2017	92.44
16.05.2017	90.67
09.05.2017	90.17
02.05.2017	92.19
25.04.2017	91.40
18.04.2017	86.65
11.04.2017	88.22
04.04.2017	87.75
28.03.2017	85.16
21.03.2017	84.05
14.03.2017	89.89
07.03.2017	91.69
28.02.2017	91.28
21.02.2017	92.02
14.02.2017	90.91
07.02.2017	88.00
31.01.2017	87.74
24.01.2017	88.84
17.01.2017	84.09
10.01.2017	85.78
03.01.2017	85.68
27.12.2016	87.10
19.12.2016	85.09
12.12.2016	83.70
05.12.2016	83.24
28.11.2016	79.34
21.11.2016	81.24
14.11.2016	81.66
07.11.2016	74.52
31.10.2016	74.08
24.10.2016	74.16
17.10.2016	69.81

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Key Figures

Last Closing Price as per Oct 13, 2017, in USD	96.12n/a
Market Capitalisation in million USD	6,147n/a
Enterprise Value in million USD	6,798n/a
Common Shares Outstanding as per Apr 21, 2017	63,950,427n/a
Preferred Shares Outstanding as per Apr 21, 2017	n/a
Average Basic Shares Outstanding TTM	62,828,441n/a
Average Diluted Shares Outstanding TTM	63,633,423n/a
Index Membership	, US 1000, US 3000 n/a

Business Summary

Cullen/Frost Bankers Inc is a financial holding company and a bank holding company. It provides a range of products and services throughout Texas markets, with a concentration on the major metropolitan areas.

no data available

Key Financials & Ratios (all figures TTM as per Dec 31, 2016, million USD, full statements further below)

Profit & Loss

Revenues	1,126n/a
Gross Profit	0n/a
Operating Income	341n/a
EBITDA	0n/a
Net Profit	296n/a

Balance Sheet

Cash and Cash Equivalents	562n/a
Receivables	0n/a
Total Current Assets	0n/a
PP&E	0n/a
Total Assets	30,196n/a
Accounts Payable	0n/a
Current Debt	1,113n/a
Total Current Liabilities	0n/a
Long-Term Debt	100n/a
Total Liabilities	27,194n/a
Total Equity	3,003n/a

Cash Flow

Depreciation & Amortisation	125n/a
Change in Working Capital	-71n/a
Operating Cash Flow	371n/a
Net Change in PP&E and Intangibles	-56n/a
Investing Cash Flow	-969n/a
Dividends Paid	-142n/a
Financing Cash Flow	838n/a
Total Change in Cash	240n/a
Free Cash Flow	0n/a

Profitability Ratios

Gross Margin	0.0%n/a
Operating Margin	30.3%n/a
Net Profit Margin	27.0%n/a
Return on Equity	10.1%n/a
Return on Assets	1.0%n/a

Per Share Figures

Basic EPS	n/a
Diluted EPS	n/a
Sales per Share	n/a
Book Value per Share	n/a
FCF per Share	n/a
Dividends per Share	n/a

Price Multiples

Price to Earnings Ratio	n/a
Price to Sales Ratio	n/a
Price to Book Value	n/a
Price to Free Cash Flow	n/a

Valuation Metrics

EV/EBITDA	n/a
EV/Sales	6.04n/a
Book to Market Value	0.49n/a

Other Ratios

Current Ratio	0.0%n/a
Liabilities to Equity Ratio	905.7%n/a
Debt to Assets Ratio	4.0%n/a

Profit & Loss StatementP&L data quality: 100% (?)

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in million USD	FY '08	FY '09	FY '10	FY '11	FY '12	FY '13	FY '14	FY '15	FY '16
Net Revenue	821	830	845	872	894	923	1,007	1,065	1,126
Net interest income	534	537	563	582	605	621	687	737	776
Total Interest Income	676	623	617	623	632	643	701	749	788
Total Interest Expense	-142	-86	-54	-41	-27	-22	-15	-13	-12
Total Non-Interest Income	287	294	282	290	289	303	320	329	350
Trading Account Profits/Losses	0	0	0	0	0	0	0	0	0
Investment Income (Loss)	0	-1	0	6	4	1	0	0	15
Sale of Loan Income (Loss)	0	0	0	0	0	0	0	0	0
Commissions & Fees Earned	231	231	253	257	254	267	288	293	294
Net OTTI losses recognised in earnings	0	0	0	0	0	0	0	0	0
Other Non-Interest Income	57	64	29	26	31	35	32	36	41
Provision for Loan Losses	-38	-65	-44	-27	-10	-21	-16	-52	-52
Net Revenue after Provisions	784	765	802	844	884	903	991	1,014	1,074
Total Non-Interest Expense	-487	-532	-536	-558	-575	-612	-655	-694	-733
Commissions & Fees Paid	0	0	0	0	0	0	0	0	0
Other Operating Expense	-487	-532	-536	-558	-575	-612	-655	-694	-733
Operating Income (Loss)	297	233	266	286	308	291	336	320	341
Non-Operating Income (Loss)	0	0	0	0	0	0	0	0	0
Income (Loss) from Affiliates	0	0	0	0	0	0	0	0	0
Other Non-Operating Income (Loss)	0	0	0	0	0	0	0	0	0
Pretax Income (Loss), Adjusted	297	233	266	286	308	291	336	320	341
Abnormal Gains (Losses)	0	0	0	0	0	0	0	0	0
Debt Valuation Adjustment	0	0	0	0	0	0	0	0	0
Credit Valuation Adjustment	0	0	0	0	0	0	0	0	0
Merger / Acquisition Expense	0	0	0	0	0	0	0	0	0
Disposal of Assets	0	0	0	0	0	0	0	0	0
Early extinguishment of Debt	0	0	0	0	0	0	0	0	0
Asset Write-Down	0	0	0	0	0	0	0	0	0
Impairment of Goodwill & Intangibles	0	0	0	0	0	0	0	0	0
Sale of Business	0	0	0	0	0	0	0	0	0
Legal Settlement	0	0	0	0	0	0	0	0	0
Restructuring Charges	0	0	0	0	0	0	0	0	0
Other Abnormal Items	0	0	0	0	0	0	0	0	0
Pretax Income (Loss)	297	233	266	286	308	291	336	320	341
Income Tax (Expense) Benefit, net	-90	-54	-58	-69	-71	-53	-58	-40	-37
Current Income Tax	0	0	0	0	0	0	0	0	0
Deferred Income Tax	0	0	0	0	0	0	0	0	0
Tax Allowance/Credit	0	0	0	0	0	0	0	0	0
Income (Loss) from Affiliates, net of taxes	0	0	0	0	0	0	0	0	0
Income (Loss) from Continuing Operations	207	179	209	218	238	238	278	279	304
Net Extraordinary Gains (Losses)	0	0	0	0	0	0	0	0	0
Discontinued Operations	0	0	0	0	0	0	0	0	0
XO & Accounting Charges & Other	0	0	0	0	0	0	0	0	0
Income (Loss) Including Minority Interest	207	179	209	218	238	238	278	279	304
Minority Interest	0	0	0	0	0	0	0	0	0
Net Income	207	179	209	218	238	238	278	279	304
Preferred Dividends	0	0	0	0	0	-7	-8	-8	-8
Other Adjustments	0	0	0	0	0	0	0	0	0
Net Income Available to Common Shareholders	207	179	209	218	238	231	270	271	296

Remarks	restated on Feb 3, 2011 n/a calculated values,	restated on Feb 3, 2012 n/a calculated values,	restated on Feb 8, 2013 n/a calculated values,	restated on Feb 6, 2014 n/a calculated values,	restated on Feb 5, 2015 n/a calculated values,	restated on Feb 4, 2016 n/a calculated values,	restated on Feb 3, 2017 n/a calculated values,	restated on Feb 3, 2017 n/a calculated values,	restated on Feb 3, 2017 n/a calculated values,

Balance SheetBS data quality: 100% (?)

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in million USD	FY '08	FY '09	FY '10	FY '11	FY '12	FY '13	FY '14	FY '15	FY '16
Assets
Cash & Cash Equivalents	n/a	558	588	574	790	885	702	533	562
Interbank assets	n/a	1,163	2,233	2,334	2,735	3,671	3,662	3,059	3,580
Fed Funds Sold & Repos	n/a	0	0	0	0	0	0	0	0
Other Interbank Assets	n/a	0	0	0	0	0	0	0	0
Short and Long Term Investments	n/a	5,032	5,586	8,303	9,328	9,193	11,575	12,061	12,648
Trading Securities	n/a	0	0	0	0	0	0	0	0
Investment Securities Available for Sale	n/a	0	0	0	0	0	0	0	0
Investment Securities Held to Maturity	n/a	0	0	0	0	0	0	0	0
Real Estate Investments	n/a	0	0	0	0	0	0	0	0
Other Investments	n/a	0	0	0	0	0	0	0	0
Net Receivables	n/a	0	0	0	0	0	0	0	0
Net Loans	n/a	8,242	7,991	7,885	9,119	9,423	10,888	11,351	11,822
Reserve for Loan Losses	n/a	-125	-126	-110	-104	-92	-100	-136	-153
Total Loans	n/a	8,368	8,117	7,995	9,224	9,516	10,988	11,487	11,975
Total Commercial Loans	n/a	0	0	0	0	0	0	0	0
Commercial Real Estate Loans	n/a	0	0	0	0	0	0	0	0
Other Commercial Loans	n/a	0	0	0	0	0	0	0	0
Total Consumer Loans	n/a	0	0	0	0	0	0	0	0
Credit Card Loans	n/a	0	0	0	0	0	0	0	0
Home Equity Loans	n/a	0	0	0	0	0	0	0	0
Family Residential Loans	n/a	0	0	0	0	0	0	0	0
Auto Loans	n/a	0	0	0	0	0	0	0	0
Student Loans	n/a	0	0	0	0	0	0	0	0
Other Consumer Loans	n/a	0	0	0	0	0	0	0	0
Other Loans	n/a	0	0	0	0	0	0	0	0
Net Fixed Assets	n/a	324	317	319	316	313	442	559	526
Property, Plant & Equipment, Net	n/a	0	0	0	0	0	0	0	0
Operating Lease Assets	n/a	0	0	0	0	0	0	0	0
Other fixed assets	n/a	0	0	0	0	0	0	0	0
Intangible Assets	n/a	19	14	11	8	6	12	9	7
Goodwill	n/a	528	528	528	536	537	655	655	655
Other Intangible Assets	n/a	0	0	0	0	0	0	0	0
Investments in Associates	n/a	0	0	0	0	0	0	0	0
Deferred Tax Assets	n/a	0	0	0	0	0	0	0	0
Derivatives & Hedging	n/a	0	0	0	0	0	0	0	0
Discontinued Operations	n/a	0	0	0	0	0	0	0	0
Customer Acceptances & Liabilities	n/a	0	0	0	0	0	0	0	0
Other Assets	n/a	421	360	364	292	285	341	340	397
Total Assets	n/a	16,288	17,617	20,317	23,124	24,313	28,278	28,566	30,196

Liabilities and owners' equity
Total Deposits	n/a	13,313 13313310000	14,479 14479342000	16,757 16756748000	19,497 19497366000	20,689 20688786000	24,136 24135930000	24,344 24343595000	25,812 25811575000
Demand Deposits	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Interest Bearing Deposits	n/a	8,668 8667508000	9,119 9118906000	10,084 10084193000	11,400 11400429000	12,378 12377637000	13,987 13986869000	14,073 14073362000	15,298 15298206000
Saving Deposits	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Time Deposits	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Other Deposits	n/a	4,646 4645802000	5,360 5360436000	6,673 6672555000	8,097 8096937000	8,311 8311149000	10,149 10149061000	10,270 10270233000	10,513 10513369000
Short Term Borrowings & Repos	n/a	618 618132000	599 599385000	846 845914000	685 684773000	792 791965000	940 940234000	1,030 1029591000	1,113 1113119000
Securities Sold Under Repo	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Trading Account Liabilities	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Short Term Capital Leases	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Current Portion of Long Term Debt	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Short Term Borrowings	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Payables Broker Dealers	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Long Term Debt	n/a	257 256562000	250 250045000	100 100026000	100 100007000	100 100000000	100 100000000	100 99870000	100 99990000
Long Term Capital Leases	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Long Term Borrowings	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Pension Liabilities	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Pensions	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Other Post-Retirement Benefits	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Deferred Tax Liabilities	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Derivatives & Hedging	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Discontinued Operations	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Other Liabilities	n/a	206 205610000	227 226640000	331 331020000	424 424441000	218 218027000	250 250208000	203 202543000	169 169107000
Total Liabilities	n/a	14,394 14393614000	15,555 15555412000	18,034 18033708000	20,707 20706587000	21,799 21798778000	25,426 25426372000	25,676 25675599000	27,194 27193791000
Preferred Equity	n/a	0 0	0 0	0 0	0 0	144 144486000	144 144486000	144 144486000	144 144486000
Share Capital & Additional Paid-In Capital	n/a	601 600957000	658 657946000	681 681416000	704 703583000	725 724814000	887 887113000	898 897987000	907 907369000
Common Stock	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Additional Paid in Capital	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Other Share Capital	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Treasury Stock	n/a	-11 -10841000	0 0	0 -372000	0 0	-71 -70855000	-32 -32334000	-111 -111181000	-10 -10273000
Retained Earnings	n/a	1,150 1150103000	1,249 1249484000	1,355 1354759000	1,476 1475851000	1,575 1575282000	1,710 1710324000	1,845 1845188000	1,986 1985569000
Other Equity	n/a	154 154205000	154 154250000	248 247734000	238 238048000	140 140434000	142 141814000	114 113863000	-25 -24623000
Equity Before Minority Interest	n/a	1,894 1894424000	2,062 2061680000	2,284 2283537000	2,417 2417482000	2,514 2514161000	2,851 2851403000	2,890 2890343000	3,003 3002528000
Minority Interest	n/a	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Total Equity	n/a	1,894 1894424000	2,062 2061680000	2,284 2283537000	2,417 2417482000	2,514 2514161000	2,851 2851403000	2,890 2890343000	3,003 3002528000
Total Liabilities & Equity	n/a	16,288 16288038000	17,617 17617092000	20,317 20317245000	23,124 23124069000	24,313 24312939000	28,278 28277775000	28,566 28565942000	30,196 30196319000

Remarks	restated on n/a	restated on Feb 3, 2011 n/a	restated on Feb 3, 2012 n/a	restated on Feb 8, 2013 n/a	restated on Feb 6, 2014 n/a	restated on Feb 5, 2015 n/a	restated on Feb 4, 2016 n/a	restated on Feb 3, 2017 n/a	restated on Apr 26, 2017 n/a

Cash Flow StatementCF data quality: 97% (?)

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in million USD	FY '08	FY '09	FY '10	FY '11	FY '12	FY '13	FY '14	FY '15	FY '16
Net Income/Starting Line	207	179	209	218	238	238	278	279	304
Net Income	0	0	0	0	0	0	0	0	0
Net Income From Discontinued Operations	0	0	0	0	0	0	0	0	0
Other Adjustments	0	0	0	0	0	0	0	0	0
Depreciation & Amortization	34	40	46	49	59	80	101	116	128
Provision for Loan Losses	38	65	44	27	10	21	16	52	52
Non-Cash Items	-5	-12	9	5	-9	-2	-5	-25	-33
Gain on Sale of Securities & Loans	0	0	0	0	0	0	0	0	0
Deferred Income Taxes	0	0	0	0	0	0	0	0	0
Stock-Based Compensation	0	0	0	0	0	0	0	0	0
Other Non-Cash Adjustments	0	0	0	0	0	0	0	0	0
Net Change in Operating Capital	-40	2	118	-25	1	-164	-100	-27	-13
Trading Assets & Liabilities	0	0	0	0	0	0	0	0	0
Net Change of Investments	0	0	0	0	0	0	0	0	0
Net Change of Interbank Assets	0	0	0	0	0	0	0	0	0
Net Change of Interbank Liabilities	0	0	0	0	0	0	0	0	0
Net Change in Operating Loans	0	0	0	0	0	0	0	0	0
Accrued Interest Receivable	0	0	0	0	0	0	0	0	0
Accrued Interest Payable	0	0	0	0	0	0	0	0	0
Other Operating Assets/Liabilities	0	0	0	0	0	0	0	0	0
Net Cash From Discontinued Operations (operating)	0	0	0	0	0	0	0	0	0
Cash from Operating Activities	234	274	425	274	300	174	290	395	438
Change in Fixed Assets & Intangibles	-60	-71	4	-7	-4	-13	-121	-140	5
Disposal of Fixed Assets & Intangibles	0	0	0	0	0	0	0	0	0
Capital Expenditures	0	0	0	0	0	0	0	0	0
Net Change in Investments	-39	-1,252	-580	-2,518	-903	-53	-2,192	-598	-871
Decrease in Investments	0	0	0	0	0	0	0	0	0
Decrease in HTM Investments	0	0	0	0	0	0	0	0	0
Decrease in AFS Investments	0	0	0	0	0	0	0	0	0
Increase in Investments	0	0	0	0	0	0	0	0	0
Increase in HTM Investments	0	0	0	0	0	0	0	0	0
Increase in AFS Investments	0	0	0	0	0	0	0	0	0
Net Change in Other Investments	0	0	0	0	0	0	0	0	0
Net Change in Loans & Interbank	-1,130	404	177	70	-1,241	-318	-800	-501	-508
Net Change in Customer Loans	0	0	0	0	0	0	0	0	0
Net Change in Interbank Assets	0	0	0	0	0	0	0	0	0
Net Change in Other Loans	0	0	0	0	0	0	0	0	0
Net Cash From Acquisitions & Divestitures	-1	-1	0	-1	-7	-2	831	0	0
Net Cash from Divestitures	0	0	0	0	0	0	0	0	0
Cash for Acqusition of Subsidiaries	0	0	0	0	0	0	0	0	0
Cash for Joint Ventures	0	0	0	0	0	0	0	0	0
Net Cash from Other Acquisitions	0	0	0	0	0	0	0	0	0
Other Investing Activities	0	1	0	0	0	0	0	0	1
Net Cash From Discontinued Operations (investing)	0	0	0	0	0	0	0	0	0
Cash from Investing Activities	-1,229	-919	-400	-2,455	-2,155	-386	-2,282	-1,239	-1,374
Dividends Paid	-98	-102	-108	-112	-117	-126	-135	-140	-143
Cash From (Repayment of) Debt	133	-589	-22	97	-161	107	85	90	83
Cash From (Repayment of) Short Term Debt, net	0	0	0	0	0	0	0	0	0
Net Change in Interbank Transfers	0	0	0	0	0	0	0	0	0
Cash From (Repayment of) Long Term Debt, net	0	0	0	0	0	0	0	0	0
Repayments of Long Term Debt	0	0	0	0	0	0	0	0	0
Cash From Long Term Debt	0	0	0	0	0	0	0	0	0
Cash From (Repurchase of) Equity	14	15	38	5	10	69	28	-86	78
Increase in Capital Stock	0	0	0	0	0	0	0	0	0
Decrease in Capital Stock	0	0	0	0	0	0	0	0	0
Net Change In Deposits	979	1,804	1,166	2,277	2,741	1,191	1,823	208	1,468
Other Financing Activities	8	1	1	0	0	3	0	0	0
Net Cash From Discontinued Operations (financing)	0	0	0	0	0	0	0	0	0
Cash from Financing Activities	1,036	1,130	1,075	2,268	2,473	1,243	1,800	71	1,486
Net Cash Before Disc. Operations and FX	41	484	1,099	87	617	1,031	-192	-773	550
Change in Cash from Disc. Operations and Other	0	0	0	0	0	0	0	0	0
Net Cash Before FX	41	484	1,099	87	617	1,031	-192	-773	550
Effect of Foreign Exchange Rates	0	0	0	0	0	0	0	0	0
Net Changes in Cash	41	484	1,099	87	617	1,031	-192	-773	550

Remarks	restated on Feb 3, 2011 n/a calculated values,	restated on Feb 3, 2012 n/a calculated values,	restated on Feb 8, 2013 n/a calculated values,	restated on Feb 6, 2014 n/a calculated values,	restated on Feb 5, 2015 n/a calculated values,	restated on Feb 4, 2016 n/a calculated values,	restated on Feb 3, 2017 n/a calculated values,	restated on Feb 3, 2017 n/a calculated values,	restated on Feb 3, 2017 n/a calculated values,

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