Cullen/Frost Bankers, Inc. Ratios

Ratios Dec2009 Dec2010 Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
EBT Margin 28.03%31.50%32.83%34.52%31.50%33.37%30.02%30.32%33.95%597.14%561.31%434.41%587.74%727.85%761.86%655.15%
EBIT Margin 9.81%11.03%11.49%12.08%33.88%34.81%31.23%31.39%36.15%706.67%707.16%490.10%616.43%928.56%1,466.70%1,395.08%
Operating Margin 9.81%11.03%11.49%12.08%
Net Margin 20.37%24.69%24.95%26.63%25.03%26.80%25.46%26.30%29.60%524.56%489.46%400.16%523.37%622.99%632.38%542.09%
FCF Margin 23.56%48.22%28.41%30.78%14.51%15.68%23.25%34.12%41.90%567.13%480.29%530.24%699.28%674.80%342.46%811.22%
Efficiency
Assets Average 33.16B38.21B46.63B51.89B51.87B51.68B
Equity Average 3.64B4.10B4.37B3.79B3.43B3.81B
Invested Capital 3.37B3.91B4.29B4.44B3.14B3.72B3.90B
Asset Utilization Ratio 0.000.000.000.000.000.00
Leverage & Solvency
Interest Coverage Ratio 0.941.732.434.0414.2624.1225.8629.2716.406.454.858.8021.484.632.081.89
Debt to Equity 0.420.430.490.621.501.111.11
Debt Ratio 0.040.050.050.050.090.080.08
Equity Ratio 0.100.110.100.090.060.070.07
Times Interest Earned 0.941.732.434.0414.2624.1225.8629.2716.406.454.858.8021.484.632.081.89
Dividends & Payouts
FCF Payout Ratio 0.520.260.450.420.890.810.530.350.290.340.410.420.320.340.730.28
Valuation
Enterprise Value 3.00B3.72B3.24B3.34B4.50B4.45B3.74B5.55B5.98B1.64B2.31B-4.83B-8.58B-3.46B-1.77B-1.66B
Market Capitalization 3.00B3.72B3.24B3.34B5.62B6.12B5.48B8.03B8.60B6.95B8.61B
Return Ratios
Return on Sales 0.20%0.25%0.25%0.27%0.26%0.28%0.26%0.27%0.30%5.34%4.99%4.09%5.32%6.30%6.40%5.48%
Return on Invested Capital 0.15%0.09%0.11%0.20%0.34%0.33%
Return on Assets 0.01%0.01%0.01%0.01%0.01%0.01%
Return on Equity 0.12%0.08%0.10%0.15%0.17%0.15%