Cullen/Frost Bankers vs FNB
CFR and FNB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CFR and FNB compare
Cullen/Frost Bankers is the larger company, worth 1.5 times as much as FNB ($9.8B against $6.4B).
On earnings, FNB is cheaper: it trades at 10.8× trailing earnings, against 14.6× for Cullen/Frost Bankers.
FNB grew revenue faster over the last twelve months (11.8% versus 6.6% for Cullen/Frost Bankers).
FNB keeps more of each dollar of sales as profit, with a net margin of 33.0% compared with 29.5% at Cullen/Frost Bankers.
Both pay dividends: Cullen/Frost Bankers yields 2.6% and FNB 2.8%.
FNB scores higher on the StockData Score (21 against 10 for Cullen/Frost Bankers), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CFR | FNB |
|---|---|---|
| Size and price | ||
| Market cap | $9.8B | $6.4B |
| Share price | $157.60 | $18.06 |
| Change, 1 year | 29.8% | 16.6% |
| Change, 5 years | 16.7% | 45.1% |
| Beta (5Y) | 0.69 | 0.89 |
| Employees | 6,008 | 4,282 |
| StockData Score | ||
| Total score | 10 | 21 (better) |
| Valuation score | 0 | 5 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 3 | 6 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 14.6× | 10.8× (better) |
| P/S | 4.2× | 3.5× (better) |
| P/B | 2.5× | 0.9× (better) |
| P/FCF | 16.9× | 10.2× (better) |
| PEG | 3.62 | 1.26 (better) |
| FCF yield | 5.9% | 9.8% (better) |
| Fair value | $123.68 | $19.93 |
| Margin of safety | −27.4% | 9.4% (better) |
| Growth | ||
| Revenue growth (TTM) | 6.6% | 11.8% (better) |
| Revenue growth, 5Y average | 9.2% (better) | 7.7% |
| Net income growth (TTM) | 8.2% | 29.3% (better) |
| EPS growth (TTM) | 10.7% | 31.3% (better) |
| EPS growth, 5Y average | 14.2% (better) | 12.9% |
| Profitability | ||
| Net margin | 29.5% | 33.0% (better) |
| FCF margin | 24.8% | 34.0% (better) |
| Return on equity | 16.3% (better) | 9.0% |
| Financial health | ||
| Debt / equity | – | 0.39 |
| Altman Z-score | 0.28 (better) | 0.19 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.6% | 2.8% (better) |
| Payout ratio | 37.4% | 29.3% |
| Years of dividend growth | 16 (better) | 0 |
| Dividend growth, 5Y average | 6.7% (better) | 0.00% |
| Buyback yield | 2.7% (better) | 1.8% |
| Shareholder yield | 5.3% (better) | 4.5% |
| Ownership | ||
| Held by institutions | 96.3% | 93.2% |
| Held by insiders | 1.3% | 1.6% |
| Insider net buying, 12 months | −$350K (better) | −$1.4M |
| Short interest, % of float | 7.2% | 6.8% |
Go deeper
- CFR stock overview
- CFR income statement
- CFR valuation and score
- FNB stock overview
- FNB income statement
- FNB valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.