FMP
Cullen/Frost Bankers, Inc.
CFR
NYSE
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds, and foreign exchange services. Further, it acts as a correspondent for approximately 171 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; and holds securities for investment purposes, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 157 financial centers and 1,650 ATMs. The company serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.
121.75 USD
1.88 (1.54%)
Operating Data
Year
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
Revenue
1.7B
2.04B
2.25B
2.53B
2.86B
3.26B
3.71B
4.23B
4.82B
5.5B
Revenue %
-
20.54
10.03
12.47
12.94
13.99
13.99
13.99
13.99
Ebitda
953.34M
1.15B
1.36B
1.71B
1.75B
1.97B
2.24B
2.56B
2.91B
3.32B
Ebitda %
56.23
56.37
60.39
67.81
61.2
60.4
60.4
60.4
60.4
Ebit
842.55M
1.02B
1.22B
1.56B
1.54B
1.75B
2B
2.28B
2.6B
2.96B
Ebit %
49.7
49.8
54.05
61.52
53.98
53.81
53.81
53.81
53.81
Depreciation
110.8M
134.13M
142.5M
159.22M
206.28M
214.58M
244.61M
278.84M
317.86M
362.34M
Depreciation %
6.54
6.56
6.34
6.3
7.22
6.59
6.59
6.59
6.59
EBIT (Operating profit)(Operating income)(Operating earning) = GROSS MARGIN (REVENUE - COGS) - OPERATING EXPENSES (R&D, RENT) EBIT = (1*) (2*) -> operating process (leverage -> interest -> EBT -> tax -> net Income) EBITDA = GROSS MARGIN (REVENUE - COGS) - OPERATING EXPENSES (R&D, RENT) + Depreciation + amortization EBITA = (1*) (2*) (3*) (4*) company's CURRENT operating profitability (i.e., how much profit it makes with its present assets and its operations on the products it produces and sells, as well as providing a proxy for cash flow) -> performance of a company (1*) discounting the effects of interest payments from different forms of financing (by ignoring interest payments), (2*) political jurisdictions (by ignoring tax), collections of assets (by ignoring depreciation of assets), and different takeover histories (by ignoring amortization often stemming from goodwill) (3*) collections of assets (by ignoring depreciation of assets) (4*) different takeover histories (by ignoring amortization often stemming from goodwill)
