Cullen/Frost Bankers (CFR) Competitors

First Citizens BancShares (NASDAQ:FCNCA) and Cullen/Frost Bankers (NYSE:CFR) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their community ranking, analyst recommendations, earnings, risk, valuation, profitability, media sentiment, institutional ownership and dividends.

Is FCNCA or CFR a better dividend stock?

First Citizens BancShares pays an annual dividend of $6.56 per share and has a dividend yield of 0.3%. Cullen/Frost Bankers pays an annual dividend of $3.80 per share and has a dividend yield of 2.8%. First Citizens BancShares pays out 3.8% 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 increased 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.

Which has more volatility & risk, FCNCA or CFR?

First Citizens BancShares has a beta of 0.8, indicating that its stock price is 20% less volatile than the S&P 500. Comparatively, Cullen/Frost Bankers has a beta of 0.98, indicating that its stock price is 2% less volatile than the S&P 500.

Do analysts rate FCNCA or CFR?

First Citizens BancShares currently has a consensus price target of $2,025.90, suggesting a potential downside of 10.31%. Cullen/Frost Bankers has a consensus price target of $123.86, suggesting a potential downside of 10.07%. Given Cullen/Frost Bankers' higher probable upside, analysts plainly believe Cullen/Frost Bankers is more favorable than First Citizens BancShares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Citizens BancShares	0 Sell rating(s)	4 Hold rating(s)	6 Buy rating(s)	0 Strong Buy rating(s)	2.60
Cullen/Frost Bankers	3 Sell rating(s)	8 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.00

Do institutionals and insiders hold more shares of FCNCA or CFR?

61.2% of First Citizens BancShares shares are held by institutional investors. Comparatively, 86.9% of Cullen/Frost Bankers shares are held by institutional investors. 12.9% of First Citizens BancShares shares are held by insiders. Comparatively, 2.9% of Cullen/Frost Bankers shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Does the media favor FCNCA or CFR?

In the previous week, First Citizens BancShares had 13 more articles in the media than Cullen/Frost Bankers. MarketBeat recorded 18 mentions for First Citizens BancShares and 5 mentions for Cullen/Frost Bankers. Cullen/Frost Bankers' average media sentiment score of 1.49 beat First Citizens BancShares' score of 1.43 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
First Citizens BancShares	14 Very Positive mention(s)	0 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Cullen/Frost Bankers	3 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is FCNCA or CFR more profitable?

Cullen/Frost Bankers has a net margin of 18.81% compared to First Citizens BancShares' net margin of 17.36%. Cullen/Frost Bankers' return on equity of 15.82% beat First Citizens BancShares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Citizens BancShares	17.36%	13.63%	1.33%
Cullen/Frost Bankers	18.81%	15.82%	1.15%

Which has preferable earnings & valuation, FCNCA or CFR?

First Citizens BancShares has higher revenue and earnings than Cullen/Frost Bankers. First Citizens BancShares 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
First Citizens BancShares	$12.09B	2.61	$11.47B	$174.55	12.94
Cullen/Frost Bankers	$2.65B	3.34	$597.97M	$8.06	17.09

Does the MarketBeat Community prefer FCNCA or CFR?

Cullen/Frost Bankers received 163 more outperform votes than First Citizens BancShares when rated by MarketBeat users. However, 55.66% of users gave First Citizens BancShares an outperform vote while only 39.34% of users gave Cullen/Frost Bankers an outperform vote.

Company	Underperform	Outperform
First Citizens BancShares	Outperform Votes 182 55.66%	Underperform Votes 145 44.34%
Cullen/Frost Bankers	Outperform Votes 345 39.34%	Underperform Votes 532 60.66%

Summary

Cullen/Frost Bankers beats First Citizens BancShares on 11 of the 21 factors compared between the two stocks.