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CULLEN/FROST BANKERS, INC. logo
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)
Adj. Closing prices (in USD) -Common sharesNov. 16Jan. 17März 17Mai 17Juli 17Sep. 1760708090100
datesClosing price (adj.)
13.10.201796.12
11.10.201796.09
04.10.201794.11
27.09.201794.22
20.09.201790.83
13.09.201789.15
06.09.201784.11
30.08.201783.64
23.08.201784.62
16.08.201786.87
09.08.201789.57
02.08.201792.16
26.07.201795.86
19.07.201794.80
12.07.201794.98
05.07.201795.12
27.06.201791.46
20.06.201795.16
13.06.201797.92
06.06.201791.20
30.05.201791.16
23.05.201792.44
16.05.201790.67
09.05.201790.17
02.05.201792.19
25.04.201791.40
18.04.201786.65
11.04.201788.22
04.04.201787.75
28.03.201785.16
21.03.201784.05
14.03.201789.89
07.03.201791.69
28.02.201791.28
21.02.201792.02
14.02.201790.91
07.02.201788.00
31.01.201787.74
24.01.201788.84
17.01.201784.09
10.01.201785.78
03.01.201785.68
27.12.201687.10
19.12.201685.09
12.12.201683.70
05.12.201683.24
28.11.201679.34
21.11.201681.24
14.11.201681.66
07.11.201674.52
31.10.201674.08
24.10.201674.16
17.10.201669.81
no share price data source found
Share price data requested
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
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 '08FY '09FY '10FY '11FY '12FY '13FY '14FY '15FY '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 '08FY '09FY '10FY '11FY '12FY '13FY '14FY '15FY '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 '08FY '09FY '10FY '11FY '12FY '13FY '14FY '15FY '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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