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Cullen/Frost Bankers (NYSE:CFR – Get Ranking) and Truist Monetary (NYSE:TFC – Get Ranking) are each finance firms, however which is the superior funding? We are going to examine the 2 firms based mostly on the power of their danger, valuation, earnings, profitability, analyst suggestions, dividends and institutional possession.
Insider and Institutional Possession
81.7% of Cullen/Frost Bankers shares are held by institutional buyers. Comparatively, 72.8% of Truist Monetary shares are held by institutional buyers. 3.8% of Cullen/Frost Bankers shares are held by firm insiders. Comparatively, 0.3% of Truist Monetary shares are held by firm insiders. Robust institutional possession is a sign that hedge funds, endowments and huge cash managers imagine a inventory is poised for long-term progress.
Profitability
This desk compares Cullen/Frost Bankers and Truist Monetary’s web margins, return on fairness and return on belongings.
| Internet Margins | Return on Fairness | Return on Property | |
| Cullen/Frost Bankers | 30.15% | 10.40% | 0.87% |
| Truist Monetary | 27.89% | 12.70% | 1.45% |
Valuation and Earnings
This desk compares Cullen/Frost Bankers and Truist Monetary’s gross income, earnings per share (EPS) and valuation.
| Gross Income | Worth/Gross sales Ratio | Internet Revenue | Earnings Per Share | Worth/Earnings Ratio | |
| Cullen/Frost Bankers | $1.40 billion | 5.69 | $443.08 million | $6.50 | 19.07 |
| Truist Monetary | $23.06 billion | 2.77 | $6.44 billion | $4.48 | 10.72 |
Truist Monetary has greater income and earnings than Cullen/Frost Bankers. Truist Monetary is buying and selling at a decrease price-to-earnings ratio than Cullen/Frost Bankers, indicating that it’s at the moment the extra reasonably priced of the 2 shares.
Dividends
Cullen/Frost Bankers pays an annual dividend of $3.00 per share and has a dividend yield of two.4%. Truist Monetary pays an annual dividend of $1.92 per share and has a dividend yield of 4.0%. Cullen/Frost Bankers pays out 46.2% of its earnings within the type of a dividend. Truist Monetary pays out 42.9% of its earnings within the type of a dividend. Each firms have wholesome payout ratios and will be capable of cowl their dividend funds with earnings for the subsequent a number of years. Cullen/Frost Bankers has raised its dividend for 29 consecutive years and Truist Monetary has raised its dividend for 1 consecutive years. Truist Monetary is clearly the higher dividend inventory, given its greater yield and decrease payout ratio.
Volatility and Threat
Cullen/Frost Bankers has a beta of 1.2, indicating that its inventory worth is 20% extra unstable than the S&P 500. Comparatively, Truist Monetary has a beta of 1.14, indicating that its inventory worth is 14% extra unstable than the S&P 500.
Analyst Scores
This can be a breakdown of latest rankings and recommmendations for Cullen/Frost Bankers and Truist Monetary, as reported by MarketBeat.com.
| Promote Scores | Maintain Scores | Purchase Scores | Robust Purchase Scores | Ranking Rating | |
| Cullen/Frost Bankers | 2 | 5 | 4 | 0 | 2.18 |
| Truist Monetary | 1 | 7 | 4 | 0 | 2.25 |
Cullen/Frost Bankers presently has a consensus goal worth of $136.08, indicating a possible upside of 9.77%. Truist Monetary has a consensus goal worth of $60.04, indicating a possible upside of 25.03%. Given Truist Monetary’s stronger consensus score and greater potential upside, analysts clearly imagine Truist Monetary is extra favorable than Cullen/Frost Bankers.
About Cullen/Frost Bankers
(Get Ranking)
Cullen/Frost Bankers, Inc. operates because the financial institution holding firm for Frost Financial institution that gives business and client banking companies in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The corporate affords business banking companies to companies and different enterprise purchasers, together with financing for industrial and business properties, interim building associated to industrial and business properties, gear, inventories and accounts receivables, and acquisitions; business leasing; and treasury administration companies. It additionally supplies client banking companies, similar to checking accounts, financial savings packages, automated-teller machines (ATMs), overdraft services, installment and actual property loans, residence fairness loans and features of credit score, drive-in and night time deposit companies, protected deposit services, and brokerage companies. As well as, the corporate affords worldwide banking companies comprising deposits, loans, letters of credit score, overseas collections, funds, and overseas alternate companies. Additional, it acts as a correspondent for about 171 monetary establishments; affords belief, funding, company, and custodial companies for particular person and company purchasers; supplies capital market companies that embrace gross sales and buying and selling, new concern underwriting, cash market buying and selling, advisory, and securities safekeeping and clearance; and helps worldwide enterprise actions. Moreover, the corporate affords insurance coverage and securities brokerage companies; and holds securities for funding functions, in addition to funding administration companies to Frost-managed mutual funds, establishments, and people. It operates roughly 157 monetary facilities and 1,650 ATMs. The corporate serves power, manufacturing, companies, building, retail, telecommunications, healthcare, navy, and transportation industries. Cullen/Frost Bankers, Inc. was based in 1868 and is headquartered in San Antonio, Texas.
About Truist Monetary
(Get Ranking)
Truist Monetary Company, a holding firm, supplies banking and belief companies within the Southeastern and Mid-Atlantic United States. The corporate operates by means of three segments: Client Banking and Wealth, Company and Business Banking, and Insurance coverage Holdings. Its deposit merchandise embrace noninterest-bearing checking, interest-bearing checking, financial savings, and cash market deposit accounts, in addition to certificates of deposit and particular person retirement accounts. The corporate additionally supplies funding; asset administration; car lending; bankcard lending; client finance; residence fairness and mortgage lending; insurance coverage, similar to property and casualty, life, well being, worker advantages, employees compensation {and professional} legal responsibility, surety protection, title, and different insurance coverage merchandise; funding brokerage; cell/on-line banking; and cost, lease financing, small enterprise lending, and wealth administration/personal banking companies. As well as, it affords affiliation, capital market, institutional belief, insurance coverage premium and business finance, worldwide banking, leasing, service provider, business deposit and treasury, authorities finance, business center market lending, small enterprise and pupil lending, ground plan and business mortgage lending, mortgage warehouse lending, personal fairness funding, actual property lending, and provide chain financing companies. Additional, the corporate supplies company and funding banking, retail and wholesale brokerage, securities underwriting, and funding advisory companies. As of December 31, 2021, the corporate operated by means of 2,517 banking places of work. The corporate was previously often called BB&T Company and altered its title to Truist Monetary Company in December 2019. Truist Monetary Company was based in 1872 and is headquartered in Charlotte, North Carolina.
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