Cullen/Frost Bankers, Inc. cash flow to debt ratio of 5.75% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Cullen/Frost Bankers, Inc.'s free cash flow has decreased 85.22% from $861.76M last year to $127.33M, signaling decreasing performance

Cullen/Frost Bankers, Inc.'s debt to equity ratio is 1.17, which means that the company's assets are unhealthy financed, signaling financial risk.

Cullen/Frost Bankers, Inc.'s debt has decreased relative to shareholder equity from 1.18 last year to 1.17 today, signaling strengthened financials

Cullen/Frost Bankers, Inc. has a net cash position, so leverage is healthy.

Cullen/Frost Bankers, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Cullen/Frost Bankers, Inc.'s profit margin has increased (26.53%) in the last year from 20.44% to 25.86%, signaling increasing performance

Cullen/Frost Bankers, Inc.'s short-term liabilities of $47.46B exceed its short-term assets of $9.98B, signaling financial risk

Cullen/Frost Bankers, Inc.'s return on assets of 1.27% is lower than the 5.00% threshold, indicating inefficient asset utilization

Cullen/Frost Bankers, Inc.'s return on equity of 15.04%, is higher than 15.00%, indicating good performance

Cullen/Frost Bankers, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Cullen/Frost Bankers, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Cullen/Frost Bankers, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Cullen/Frost Bankers, Inc. has a free cash flow yield of 1.24%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Cullen/Frost Bankers, Inc.'s yearly earnings has increased 11.33% since last year from $582.54M to $648.56M, signaling increasing performance

Cullen/Frost Bankers, Inc.'s yearly revenue has decreased 21.56% since last year from $2.85B to $2.24B, signaling decreasing performance

ROIC 1.27% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Cullen/Frost Bankers, Inc.'s 3-year revenue CAGR of 15.80% is positive, indicating growing revenue over the past 3 years

Cullen/Frost Bankers, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Cullen/Frost Bankers, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Cullen/Frost Bankers, Inc. is overvalued relative to its fair value price of 73.64 based on Discounted Cash Flow model

Cullen/Frost Bankers, Inc. has an earnings yield of 6.57%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Cullen/Frost Bankers, Inc. is overvalued relative to its fair value price of 160.02 based on EBITDA multiple model

Cullen/Frost Bankers, Inc. has an EV/EBITDA ratio of 5.91x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Cullen/Frost Bankers, Inc. is undervalued relative to its fair value price of 252.49 based on Earnings Fair Value model

Cullen/Frost Bankers, Inc. has a PEG-ratio over 1 which is considered overvalued

Cullen/Frost Bankers, Inc. has a price-to-book ratio of 2.25x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Cullen/Frost Bankers, Inc. has a price-to-sales ratio of 3.93x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue