Cullen/Frost Bankers (CFR) Competitors

M&T Bank (NYSE:MTB) and Cullen/Frost Bankers (NYSE:CFR) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, earnings, analyst recommendations, media sentiment, dividends, profitability and community ranking.

Is MTB or CFR a better dividend stock?

M&T Bank pays an annual dividend of $5.40 per share and has a dividend yield of 2.8%. Cullen/Frost Bankers pays an annual dividend of $3.80 per share and has a dividend yield of 2.9%. M&T Bank pays out 40.0% of its earnings in the form of a dividend. Cullen/Frost Bankers pays out 47.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Cullen/Frost Bankers has raised its dividend for 31 consecutive years. Cullen/Frost Bankers is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the MarketBeat Community believe in MTB or CFR?

Cullen/Frost Bankers received 99 more outperform votes than M&T Bank when rated by MarketBeat users. However, 45.90% of users gave M&T Bank an outperform vote while only 39.25% of users gave Cullen/Frost Bankers an outperform vote.

Company	Underperform	Outperform
M&T Bank	Outperform Votes 246 45.90%	Underperform Votes 290 54.10%
Cullen/Frost Bankers	Outperform Votes 345 39.25%	Underperform Votes 534 60.75%

Which has higher valuation & earnings, MTB or CFR?

M&T Bank has higher revenue and earnings than Cullen/Frost Bankers. M&T Bank is trading at a lower price-to-earnings ratio than Cullen/Frost Bankers, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
M&T Bank	$9.17B	3.43	$2.74B	$13.51	14.03
Cullen/Frost Bankers	$2.03B	4.20	$597.97M	$8.06	16.49

Is MTB or CFR more profitable?

Cullen/Frost Bankers has a net margin of 18.81% compared to M&T Bank's net margin of 17.82%. Cullen/Frost Bankers' return on equity of 15.82% beat M&T Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
M&T Bank	17.82%	9.52%	1.15%
Cullen/Frost Bankers	18.81%	15.82%	1.15%

Which has more volatility and risk, MTB or CFR?

M&T Bank has a beta of 0.76, suggesting that its share price is 24% less volatile than the S&P 500. Comparatively, Cullen/Frost Bankers has a beta of 0.99, suggesting that its share price is 1% less volatile than the S&P 500.

Does the media prefer MTB or CFR?

In the previous week, M&T Bank had 2 more articles in the media than Cullen/Frost Bankers. MarketBeat recorded 9 mentions for M&T Bank and 7 mentions for Cullen/Frost Bankers. Cullen/Frost Bankers' average media sentiment score of 1.24 beat M&T Bank's score of 0.66 indicating that Cullen/Frost Bankers is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
M&T Bank	1 Very Positive mention(s)	0 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Cullen/Frost Bankers	5 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts recommend MTB or CFR?

M&T Bank presently has a consensus target price of $215.50, suggesting a potential upside of 13.73%. Cullen/Frost Bankers has a consensus target price of $127.07, suggesting a potential downside of 4.36%. Given M&T Bank's stronger consensus rating and higher probable upside, equities analysts clearly believe M&T Bank is more favorable than Cullen/Frost Bankers.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
M&T Bank	1 Sell rating(s)	8 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.38
Cullen/Frost Bankers	3 Sell rating(s)	8 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.00

Do insiders & institutionals have more ownership in MTB or CFR?

84.7% of M&T Bank shares are owned by institutional investors. Comparatively, 86.9% of Cullen/Frost Bankers shares are owned by institutional investors. 0.8% of M&T Bank shares are owned by insiders. Comparatively, 2.9% of Cullen/Frost Bankers shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Cullen/Frost Bankers beats M&T Bank on 11 of the 20 factors compared between the two stocks.