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Cullen/Frost Bankers, Inc.

جودة البيانات: 100%
CFR
NYSE Financial Services Banks - Regional
KWD 134.79
▲ KWD 1.19 (0.89%)
القيمة السوقية: 8.52B
نطاق اليوم
KWD 132.36 KWD 136.59
نطاق 52 أسبوعًا
KWD 100.31 KWD 148.97
حجم التداول
402,284
متوسط 50 يوم / 200 يوم
KWD 138.91 / KWD 130.51
الإغلاق السابق
KWD 133.60

تاريخ السعر

الاتجاهات المالية

مقارنة الأقران

مقابل وسيط قطاع Financial Services (854 نظير)

المقياس السهم وسيط القطاع
P/E 13.1 10.3
P/B 1.9 1.1
ROE % 15.3 11.7
Net Margin % 22.2 16.8
Rev Growth 5Y % 20.3 11.7
D/E 1.0 0.5

السعر المستهدف للمحللين

Hold
KWD 150.860 +11.9%
Low: KWD 136.000 High: KWD 161.000
مكرر الربحية المستقبلي
13.0
ربحية السهم المستقبلية
KWD 10.275
نمو ربحية السهم (تقدير)
+0.0%
الإيرادات المقدّرة
2.4 B

تقديرات الأرباح

الفترة تقدير ربحية السهم تقدير الإيرادات المحللون
FY2028 KWD 10.812
KWD 10.520 – KWD 11.073
2.6 B 1
FY2027 KWD 10.703
KWD 10.298 – KWD 11.261
2.5 B 10
FY2026 KWD 10.275
KWD 9.902 – KWD 10.708
2.4 B 10

النقاط الرئيسية

Revenue grew 20.27% annually over 5 years — strong growth
ROE of 15.31% — decent returns on equity
Net margin of 22.21% shows strong profitability
Generating 127.33M in free cash flow
P/E of 13.14 — trading at a low valuation
PEG of 0.97 suggests growth is underpriced

النمو

Revenue Growth (5Y)
20.27%
Revenue (1Y)2.46%
Earnings (1Y)11.33%
FCF Growth (3Y)-36.94%

الجودة

Return on Equity
15.31%
ROIC6.20%
Net Margin22.21%
Op. Margin26.43%

الأمان

Debt / Equity
1.04
Current Ratio0.21
Interest Coverage1.13

التقييم

P/E Ratio
13.14
P/B Ratio1.86
EV/EBITDA5.73
Dividend Yield0.03%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 2.46% Revenue Growth (3Y) 5.04%
Earnings Growth (1Y) 11.33% Earnings Growth (3Y) 4.14%
Revenue Growth (5Y) 20.27% Earnings Growth (5Y) 9.99%
Profitability
Revenue (TTM) 2.92B Net Income (TTM) 648.56M
ROE 15.31% ROA 1.22%
Gross Margin 75.04% Operating Margin 26.43%
Net Margin 22.21% Free Cash Flow (TTM) 127.33M
ROIC 6.20% FCF Growth (3Y) -36.94%
Safety
Debt / Equity 1.04 Current Ratio 0.21
Interest Coverage 1.13 Dividend Yield 0.03%
Valuation
P/E Ratio 13.14 P/B Ratio 1.86
P/S Ratio 2.92 PEG Ratio 0.97
EV/EBITDA 5.73 Dividend Yield 0.03%
Market Cap 8.52B Enterprise Value 4.42B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 2.92B 2.85B 2.65B 1.88B 1.40B
Net Income 648.56M 582.54M 597.97M 579.15M 443.08M
EPS (Diluted) 9.92 8.87 9.08 8.79 6.74
Gross Profit 2.19B 2.00B 1.94B 1.69B 1.37B
Operating Income 771.70M 695.97M 712.37M 668.83M 489.54M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 53.04B 52.52B 50.85B 52.89B 50.88B
Total Liabilities 48.47B 48.62B 47.13B 49.76B 46.44B
Shareholders' Equity 4.57B 3.90B 3.72B 3.14B 4.44B
Total Debt 4.77B 4.59B 4.36B 4.93B 2.99B
Cash & Equivalents 8.86B 10.22B 8.60B 11.82B 16.54B
Current Assets 9.98B 25.26B 25.18B 31.14B 31.08B
Current Liabilities 47.46B 47.09B 46.06B 49.53B 46.22B