(CFR) Cullen/Frost Bankers - Ratings and Ratios

Cullen/Frost Bankers, Inc. (NYSE:CFR) is a bank holding company operating Frost Bank, which provides a comprehensive range of commercial and consumer banking services primarily in Texas. The companys diverse offerings cater to various industries, including energy, manufacturing, and healthcare, providing financing solutions, treasury management, and investment services.

From a business perspective, CFRs strength lies in its ability to serve both corporate and individual clients through a broad array of services, including international banking, trust and investment management, and capital market services. The banks long history, dating back to 1868, and its headquarters in San Antonio, Texas, position it as a significant player in the regional banking landscape.

Key Performance Indicators (KPIs) that can be used to evaluate CFRs performance include its efficiency ratio, which measures the banks ability to manage expenses relative to revenue, and its net interest margin, indicating the profitability of its lending and deposit activities. Additionally, the banks loan growth rate and deposit growth rate are crucial in assessing its ability to expand its customer base and increase its revenue. CFRs return on equity (RoE) of 15.12% is a notable metric, suggesting a strong ability to generate profits from shareholders equity.

To further analyze CFRs potential, one could examine its asset quality metrics, such as the non-performing assets (NPA) ratio and the allowance for loan losses (ALL) as a percentage of total loans. These metrics provide insights into the banks credit risk management and its ability to absorb potential losses. Furthermore, CFRs capital adequacy ratio and its dividend payout ratio are important indicators of its financial health and its commitment to returning value to shareholders.