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CFR vs V

CFR
Cullen/Frost Bankers, Inc.
NEUTRAL
Price
$141.40
Market Cap
$8.9B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CFR
14.24
V
28.35
Forward P/E
CFR
13.29
V
20.79
P/B Ratio
CFR
2.02
V
15.09
P/S Ratio
CFR
4.06
V
14.08
EV/EBITDA
CFR
--
V
20.06

Profitability

Gross Margin
CFR
0.0%
V
97.78%
Operating Margin
CFR
34.52%
V
68.3%
Profit Margin
CFR
29.6%
V
50.23%
ROE
CFR
15.31%
V
53.95%
ROA
CFR
1.23%
V
18.36%

Growth

Revenue Growth
CFR
9.5%
V
14.6%
Earnings Growth
CFR
8.5%
V
17.4%

Financial Health

Debt/Equity
CFR
--
V
0.55
Current Ratio
CFR
--
V
1.11
Quick Ratio
CFR
--
V
0.72

Dividends

Dividend Yield
CFR
2.83%
V
0.89%
Payout Ratio
CFR
39.82%
V
22.91%

AI Verdict

CFR NEUTRAL

CFR presents a dichotomy between exceptional earnings consistency and deteriorating financial health, as evidenced by a weak Piotroski F-Score of 3/9. While the stock trades between its Graham Number ($123.50) and Intrinsic Value ($191.38), the high PEG ratio of 2.38 and a bearish technical trend (10/100) suggest limited immediate upside. Strong ROE (15.31%) and a sustainable dividend payout (39.82%) provide a fundamental floor, but insider selling and poor deterministic health scores warrant a cautious approach. The company remains a stable earner, but current valuation and health metrics indicate a period of stagnation.

Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong Return on Equity (ROE) of 15.31%
Sustainable dividend profile with a low payout ratio of 39.82%
Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Bearish technical trend (10/100) suggesting strong downward momentum
High PEG ratio (2.38) indicating the stock may be overvalued relative to its growth rate
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

CFR vs V: Head-to-Head Comparison

This page compares Cullen/Frost Bankers, Inc. (CFR) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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