CFR
Cullen/Frost Bankers·NYSE
--
--(--)
--
--(--)
2.65 / 10
Underperform
CFR exhibits weak fundamentals, scoring only 2.6/10. Key concerns include a low Total profit (YoY) growth rate of 10.88% and a Net assets per share growth rate of 19.67%, with the latter being a positive outlier. The Gross profit margin of 36.70% is decent, but the PB-ROE of 1.41 suggests overvaluation relative to peers. Asset-MV is negative at -0.50, indicating potential asset inefficiency. Overall, the fundamental picture is subdued, warranting defensive positioning.
Analysis Checks(5/10)
Net assets per share (growth rate compared to beginning of year %)
Value19.67
Score3/3
Weight9.92%
1M Return4.47%
Value19.67
Score3/3
Weight9.92%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value98.97
Score2/3
Weight10.04%
1M Return4.63%
Value98.97
Score2/3
Weight10.04%
1M Return4.63%
Profit-MV
Value1.41
Score1/3
Weight10.33%
1M Return4.44%
Value1.41
Score1/3
Weight10.33%
1M Return4.44%
PB-ROE
Value1.41
Score1/3
Weight10.34%
1M Return4.93%
Value1.41
Score1/3
Weight10.34%
1M Return4.93%
Asset-MV
Value-0.50
Score1/3
Weight14.77%
1M Return5.76%
Value-0.50
Score1/3
Weight14.77%
1M Return5.76%
Revenue-MV
Value-0.37
Score0/3
Weight6.73%
1M Return3.16%
Value-0.37
Score0/3
Weight6.73%
1M Return3.16%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.11%
1M Return3.43%
Value36.70
Score3/3
Weight7.11%
1M Return3.43%
Total profit (YoY growth rate %)
Value10.88
Score1/3
Weight6.95%
1M Return3.23%
Value10.88
Score1/3
Weight6.95%
1M Return3.23%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.11%
1M Return3.43%
Value100.00
Score3/3
Weight7.11%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight16.71%
1M Return7.61%
Value0.14
Score3/3
Weight16.71%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value19.67
Score3/3
Weight9.92%
1M Return4.47%
Value19.67
Score3/3
Weight9.92%
1M Return4.47%
Revenue-MV
Value-0.37
Score0/3
Weight6.73%
1M Return3.16%
Value-0.37
Score0/3
Weight6.73%
1M Return3.16%
Net profit attributable to parent company shareholders / Net profit (%)
Value98.97
Score2/3
Weight10.04%
1M Return4.63%
Value98.97
Score2/3
Weight10.04%
1M Return4.63%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.11%
1M Return3.43%
Value36.70
Score3/3
Weight7.11%
1M Return3.43%
Profit-MV
Value1.41
Score1/3
Weight10.33%
1M Return4.44%
Value1.41
Score1/3
Weight10.33%
1M Return4.44%
Total profit (YoY growth rate %)
Value10.88
Score1/3
Weight6.95%
1M Return3.23%
Value10.88
Score1/3
Weight6.95%
1M Return3.23%
PB-ROE
Value1.41
Score1/3
Weight10.34%
1M Return4.93%
Value1.41
Score1/3
Weight10.34%
1M Return4.93%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.11%
1M Return3.43%
Value100.00
Score3/3
Weight7.11%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight14.77%
1M Return5.76%
Value-0.50
Score1/3
Weight14.77%
1M Return5.76%
Cash-MV
Value0.14
Score3/3
Weight16.71%
1M Return7.61%
Value0.14
Score3/3
Weight16.71%
1M Return7.61%
Is CFR fundamentally strong?
- CFR scores 2.65/10 on fundamentals and holds a Premium valuation at present. Backed by its 15.15% ROE, 29.02% net margin, 14.44 P/E ratio, 2.03 P/B ratio, and 11.71% earnings growth, these metrics solidify its Underperform investment rating.
