Cullen/Frost Bankers (CFR) Competitors

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

Which has preferable earnings and 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	$9.30B	3.20	$2.59B	$14.93	12.44
Cullen/Frost Bankers	$2.10B	4.02	$582.54M	$9.11	14.42

Does the media favor MTB or CFR?

In the previous week, M&T Bank had 21 more articles in the media than Cullen/Frost Bankers. MarketBeat recorded 30 mentions for M&T Bank and 9 mentions for Cullen/Frost Bankers. Cullen/Frost Bankers' average media sentiment score of 1.74 beat M&T Bank's score of 0.99 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	14 Very Positive mention(s)	0 Positive mention(s)	6 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Cullen/Frost Bankers	9 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Which has more risk & volatility, MTB or CFR?

M&T Bank has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500. Comparatively, Cullen/Frost Bankers has a beta of 0.67, meaning that its stock price is 33% less volatile than the S&P 500.

Does the MarketBeat Community believe in MTB or CFR?

Cullen/Frost Bankers received 86 more outperform votes than M&T Bank when rated by MarketBeat users. However, 46.17% of users gave M&T Bank an outperform vote while only 38.81% of users gave Cullen/Frost Bankers an outperform vote.

Company	Underperform	Outperform
M&T Bank	Outperform Votes 259 46.17%	Underperform Votes 302 53.83%
Cullen/Frost Bankers	Outperform Votes 345 38.81%	Underperform Votes 544 61.19%

Do analysts rate MTB or CFR?

M&T Bank presently has a consensus target price of $209.33, suggesting a potential upside of 12.70%. Cullen/Frost Bankers has a consensus target price of $132.14, suggesting a potential upside of 0.57%. Given M&T Bank's stronger consensus rating and higher possible upside, 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)	12 Buy rating(s)	0 Strong Buy rating(s)	2.52
Cullen/Frost Bankers	2 Sell rating(s)	10 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.00

Do insiders & institutionals believe in MTB or CFR?

84.7% of M&T Bank shares are held by institutional investors. Comparatively, 86.9% of Cullen/Frost Bankers shares are held by institutional investors. 0.5% of M&T Bank shares are held by company insiders. Comparatively, 2.9% of Cullen/Frost Bankers shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

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%

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 2.9%. Cullen/Frost Bankers pays an annual dividend of $4.00 per share and has a dividend yield of 3.0%. M&T Bank pays out 36.2% of its earnings in the form of a dividend. Cullen/Frost Bankers pays out 43.9% 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 32 consecutive years. Cullen/Frost Bankers is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

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