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 contrast the two companies based on the strength of their dividends, community ranking, earnings, media sentiment, valuation, institutional ownership, profitability, risk and analyst recommendations.

Which has more risk and volatility, MTB or CFR?

M&T Bank has a beta of 0.58, suggesting that its stock price is 42% less volatile than the S&P 500. Comparatively, Cullen/Frost Bankers has a beta of 0.82, suggesting that its stock price is 18% less volatile than the S&P 500.

Which has higher earnings & valuation, 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	$9.23B	2.80	$2.59B	$14.63	10.74
Cullen/Frost Bankers	$2.06B	3.32	$582.54M	$8.87	12.03

Is MTB or CFR more profitable?

Cullen/Frost Bankers has a net margin of 20.44% compared to M&T Bank's net margin of 19.24%. Cullen/Frost Bankers' return on equity of 15.95% beat M&T Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
M&T Bank	19.24%	10.12%	1.25%
Cullen/Frost Bankers	20.44%	15.95%	1.17%

Does the MarketBeat Community prefer MTB or CFR?

Cullen/Frost Bankers received 94 more outperform votes than M&T Bank when rated by MarketBeat users. However, 45.80% of users gave M&T Bank an outperform vote while only 38.98% of users gave Cullen/Frost Bankers an outperform vote.

Company	Underperform	Outperform
M&T Bank	Outperform Votes 251 45.80%	Underperform Votes 297 54.20%
Cullen/Frost Bankers	Outperform Votes 345 38.98%	Underperform Votes 540 61.02%

Does the media refer more to MTB or CFR?

In the previous week, M&T Bank had 17 more articles in the media than Cullen/Frost Bankers. MarketBeat recorded 39 mentions for M&T Bank and 22 mentions for Cullen/Frost Bankers. M&T Bank's average media sentiment score of 1.13 beat Cullen/Frost Bankers' score of 0.59 indicating that M&T Bank is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
M&T Bank	27 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Positive
Cullen/Frost Bankers	7 Very Positive mention(s)	1 Positive mention(s)	5 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

Do insiders & institutionals hold more shares of 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. 0.5% of M&T Bank shares are owned by company insiders. Comparatively, 1.2% of Cullen/Frost Bankers shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Do analysts rate MTB or CFR?

M&T Bank currently has a consensus price target of $215.97, suggesting a potential upside of 37.45%. Cullen/Frost Bankers has a consensus price target of $132.57, suggesting a potential upside of 24.27%. Given M&T Bank's stronger consensus rating and higher probable upside, equities research analysts plainly 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)	8 Buy rating(s)	0 Strong Buy rating(s)	2.41
Cullen/Frost Bankers	3 Sell rating(s)	9 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	1.93

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 3.4%. Cullen/Frost Bankers pays an annual dividend of $3.80 per share and has a dividend yield of 3.6%. M&T Bank pays out 36.9% of its earnings in the form of a dividend. Cullen/Frost Bankers pays out 42.8% 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.

Summary

M&T Bank beats Cullen/Frost Bankers on 11 of the 21 factors compared between the two stocks.