Cullen/frost Bankers Intrinsic Value Calculator – CULLEN/FROST BANKERS Reports Impressive Q3 Results, Surpassing Analyst Expectations
April 28, 2023
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CULLEN/FROST BANKERS ($NYSE:CFR) Inc., commonly referred to as Cullen/Frost, is a financial holding company headquartered in Texas. It offers banking, investment, trust and insurance products to its customers. CULLEN/FROST BANKERS’ GAAP earnings per share of $2.70 exceeded expectations by $0.11, while the revenue of $531.1M beat the predicted figure by $17.79M. This was the result of strong performance in loan growth and a low provision for credit losses.
In addition, the company’s net interest margin was up 2 basis points from the previous quarter, indicating an increase in profitability. These strong figures show that CULLEN/FROST BANKERS is on a good path for continued growth and profitability. Going forward, the company is looking to capitalize on its positive momentum and continue to deliver strong returns to its shareholders.
Market Price
CULLEN/FROST BANKERS, a financial holding company, reported impressive third-quarter results on Thursday that surpassed analyst expectations. The stock opened at $105.5 and closed at $110.3, representing a 6.6% increase in value from its prior closing price of $103.5. The positive results were attributed to higher net interest income, increased trust and investment services revenue, and a lower provision for credit losses. The company also benefited from a $7 million tax benefit related to the Tax Cuts and Jobs Act.
In addition, the company’s net income was up significantly from the same period last year. CULLEN/FROST BANKERS continues its track record of bringing impressive results to investors, with these latest reports being further proof of the company’s success. As the company looks into the future, investors remain optimistic that CULLEN/FROST BANKERS will continue to deliver strong returns. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for Cullen/frost Bankers. More…
| Total Revenues | Net Income | Net Margin |
| – | 572.48 | – |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for Cullen/frost Bankers. More…
| Operations | Investing | Financing |
| 722.58 | -8.28k | 3k |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for Cullen/frost Bankers. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 52.89k | 49.76k | – |
Key Ratios Snapshot
Some of the financial key ratios for Cullen/frost Bankers are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 7.4% | – | – |
| FCF Margin | ROE | ROA |
| – | – | – |
Analysis – Cullen/frost Bankers Intrinsic Value Calculator
At GoodWhale, we recently performed an analysis of CULLEN/FROST BANKERS‘s wellbeing. After taking into account a wide range of financial and non-financial factors, we calculated the intrinsic value of CULLEN/FROST BANKERS share to be around $130.5 using our proprietary Valuation Line. This indicates that the current price of $110.3, which CULLEN/FROST BANKERS stock is traded at, is undervalued by 15.5%. This provides a good opportunity for investors to buy CULLEN/FROST BANKERS stock for a fair price. More…
Peers
Cullen/Frost Bankers Inc faces stiff competition from its rivals South Plains Financial Inc, Amfin Financial Corp, and Financial Institutions Inc. Each of these companies offer similar services and products, making it difficult for Cullen/Frost to differentiate itself in the market. The competitive landscape is ever-changing, and Cullen/Frost must stay on its toes in order to stay competitive.
– South Plains Financial Inc ($NASDAQ:SPFI)
South Plains Financial Inc is a bank holding company based in Lubbock, Texas, with a market cap of 502.01M as of 2022. The company provides a range of banking and financial services to small businesses, agricultural producers, retail customers, and others through its subsidiaries, South Plains Financial, Inc. and South Plains Bank N.A. South Plains Financial offers a wide range of products and services such as deposit accounts, loan products, trust services, wealth management services, and more. The company is committed to providing quality products and solutions that meet the needs of its customers and stakeholders.
– Amfin Financial Corp ($OTCPK:AFNL)
Financial Institutions Inc. has a market cap of $373.71M as of 2022. The company operates a regional financial services network of community banks and credit unions, providing a wide range of services including retail, commercial and corporate banking, investments and insurance, payment processing, and more. Financial Institutions Inc. is committed to helping its customers succeed by providing them with the best-in-class financial solutions and services. With a strong focus on customer service, Financial Institutions Inc. is well-positioned to become a leader in the financial services industry.
Summary
Cullen/Frost Bankers is an attractive investment due to its strong financial performance. Its most recent earnings report beat analyst expectations, with GAAP EPS of $2.70 and revenue of $531.1M. These positive results caused the stock price to move up on the same day. The company has a long track record of reliable profits and dividends, making it a wise investment for those looking for steady income.
Its strong liquidity and low leverage suggest that it is in a strong financial position to face future market challenges. Investors can feel secure in investing in Cullen/Frost Bankers as it is a safe and rewarding option.
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