COMP <GO>
CFR vs BPOP // OPERATING MARGIN
Cullen/Frost Bankers Inc. (NYSE) VS. Popular Inc. (NASDAQ) • 15-METRIC TALLY: CFR 6
— BPOP 5
▲ OPERATING MARGIN LEADER: CFR
LAST: $160.30 (+1.71%) • MKT CAP: $9.80B
operating-margins
75.00%
LAST: $158.96 (+1.50%) • MKT CAP: $9.99B
operating-margins
35.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. BPOP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | BPOP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 3.10% | +0.30 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.0x | 25.4x | +0.60 | BPOP | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | 6.74% | -5.44 | BPOP | /fcf-yield <GO> |
| Operating Margin ACTIVE | 75.00% | 35.90% | +39.10 | CFR | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 29.40% | +38.60 | CFR | /net-margins <GO> |
| Revenue Growth (YoY) | 14.40% | -4.40% | +18.80 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 1.95% | +0.65 | CFR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 43.3 | +10.70 | CFR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.93 | 0.97 | -0.04 | BPOP | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 11.3x | +1.40 | BPOP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.80B | $9.99B | -$188.7M | BPOP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | BPOP REV | CFR GROSS % | BPOP GROSS % | CFR FCF | BPOP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $2.75B | — | — | $127.3M | $681.0M |
| FY 2024 | $106.2M | $2.03B | — | — | $861.8M | $461.3M |
| FY 2023 | $93.5M | $1.79B | — | — | $474.6M | $686.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
BPOP // BETA 0.97