CullenFrost Bankers Net Income vs. Revenue

CFR Stock  USD 138.35  0.94  0.68%   
Based on CullenFrost Bankers' profitability indicators, CullenFrost Bankers may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in January. Profitability indicators assess CullenFrost Bankers' ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
1989-03-31
Previous Quarter
145.5 M
Current Value
146.5 M
Quarterly Volatility
42.7 M
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
At this time, CullenFrost Bankers' Days Sales Outstanding is relatively stable compared to the past year. As of 12/13/2024, EV To Sales is likely to grow to 3.64, while Sales General And Administrative To Revenue is likely to drop 0.33. At this time, CullenFrost Bankers' Operating Income is relatively stable compared to the past year. As of 12/13/2024, Net Income is likely to grow to about 627.9 M, while Net Income From Continuing Ops is likely to drop slightly above 460.7 M.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.470.53
Fairly Down
Slightly volatile
Net Profit Margin0.230.3081
Way Down
Slightly volatile
Operating Profit Margin0.510.367
Significantly Up
Pretty Stable
Pretax Profit Margin0.30.367
Significantly Down
Slightly volatile
Return On Assets0.00850.0118
Way Down
Slightly volatile
Return On Equity0.0960.1609
Way Down
Slightly volatile
For CullenFrost Bankers profitability analysis, we use financial ratios and fundamental drivers that measure the ability of CullenFrost Bankers to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well CullenFrost Bankers utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between CullenFrost Bankers's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of CullenFrost Bankers over time as well as its relative position and ranking within its peers.
  

CullenFrost Bankers' Revenue Breakdown by Earning Segment

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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of CullenFrost Bankers. If investors know CullenFrost will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about CullenFrost Bankers listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.06)
Dividend Share
3.71
Earnings Share
8.02
Revenue Per Share
30.634
Quarterly Revenue Growth
0.038
The market value of CullenFrost Bankers is measured differently than its book value, which is the value of CullenFrost that is recorded on the company's balance sheet. Investors also form their own opinion of CullenFrost Bankers' value that differs from its market value or its book value, called intrinsic value, which is CullenFrost Bankers' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because CullenFrost Bankers' market value can be influenced by many factors that don't directly affect CullenFrost Bankers' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between CullenFrost Bankers' value and its price as these two are different measures arrived at by different means. Investors typically determine if CullenFrost Bankers is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, CullenFrost Bankers' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

CullenFrost Bankers Revenue vs. Net Income Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining CullenFrost Bankers's current stock value. Our valuation model uses many indicators to compare CullenFrost Bankers value to that of its competitors to determine the firm's financial worth.
CullenFrost Bankers is number one stock in net income category among its peers. It also is the top company in revenue category among its peers totaling about  3.32  of Revenue per Net Income. At this time, CullenFrost Bankers' Net Income is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value CullenFrost Bankers by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

CullenFrost Revenue vs. Net Income

Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.

CullenFrost Bankers

Net Income

 = 

(Rev + Gain)

-

(Exp + Loss)

 = 
597.97 M
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Revenue is income that a firm generates from business activities such us rendering services or selling goods to customers. It is a crucial part of a business and an essential item when evaluating a company's financial statements. Revenues from a firm's primary business operations can be reported on the income statement as sales revenue, net sales, or simply sales, depending on the industry in which a given company operates.

CullenFrost Bankers

Revenue

 = 

Money Received

-

Discounts and Returns

 = 
1.99 B
Revenue is typically recorded when cash or cash equivalents are exchanged for services or goods and can include products or services discounts, promotions, as well as early payments on invoices or services rendered in advance.

CullenFrost Revenue vs Competition

CullenFrost Bankers is the top company in revenue category among its peers. Market size based on revenue of Financials industry is currently estimated at about 12.97 Billion. CullenFrost Bankers retains roughly 1.99 Billion in revenue claiming about 15% of equities under Financials industry.

CullenFrost Bankers Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in CullenFrost Bankers, profitability is also one of the essential criteria for including it into their portfolios because, without profit, CullenFrost Bankers will eventually generate negative long term returns. The profitability progress is the general direction of CullenFrost Bankers' change in net profit over the period of time. It can combine multiple indicators of CullenFrost Bankers, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-1.1 B-1.1 B
Operating Income712.4 M748 M
Net Income598 M627.9 M
Income Tax Expense114.4 M120.1 M
Income Before Tax712.4 M748 M
Total Other Income Expense Net712.4 M748 M
Net Income Applicable To Common Shares658.3 M691.3 M
Net Income From Continuing Ops598 M460.7 M
Net Interest Income1.6 B1.1 B
Interest Income2.2 B1.2 B
Change To Netincome15.8 M15 M
Net Income Per Share 9.11  9.57 
Income Quality 0.80  0.76 
Net Income Per E B T 0.84  0.62 

CullenFrost Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on CullenFrost Bankers. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of CullenFrost Bankers position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the CullenFrost Bankers' important profitability drivers and their relationship over time.

Use CullenFrost Bankers in pair-trading

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if CullenFrost Bankers position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in CullenFrost Bankers will appreciate offsetting losses from the drop in the long position's value.

CullenFrost Bankers Pair Trading

CullenFrost Bankers Pair Trading Analysis

The ability to find closely correlated positions to CullenFrost Bankers could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace CullenFrost Bankers when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back CullenFrost Bankers - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling CullenFrost Bankers to buy it.
The correlation of CullenFrost Bankers is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as CullenFrost Bankers moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if CullenFrost Bankers moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for CullenFrost Bankers can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Use Investing Themes to Complement your CullenFrost Bankers position

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Additional Tools for CullenFrost Stock Analysis

When running CullenFrost Bankers' price analysis, check to measure CullenFrost Bankers' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CullenFrost Bankers is operating at the current time. Most of CullenFrost Bankers' value examination focuses on studying past and present price action to predict the probability of CullenFrost Bankers' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CullenFrost Bankers' price. Additionally, you may evaluate how the addition of CullenFrost Bankers to your portfolios can decrease your overall portfolio volatility.