COMP <GO>
CFR vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
Cullen/Frost Bankers Inc. (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: CFR 9
— JPM 5
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: CFR
LAST: $157.60 (-0.16%) • MKT CAP: $9.81B
balance-sheet
0.45
LAST: $337.04 (-1.90%) • MKT CAP: $895.92B
balance-sheet
0.37
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 17.37% | -13.97 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.0x | 9.7x | +16.33 | JPM | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | -18.14% | +19.44 | CFR | /fcf-yield <GO> |
| Operating Margin | 75.00% | 42.07% | +32.93 | CFR | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 32.63% | +35.37 | CFR | /net-margins <GO> |
| Revenue Growth (YoY) | 14.40% | 13.53% | +0.87 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 1.96% | +0.64 | CFR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 0.45 | 0.37 | +0.08 | CFR | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 2/9 | +5.00 | CFR | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.70% | 4.84% | +1.86 | JPM | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.3 | 49.0 | +5.25 | CFR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.93 | 1.00 | -0.07 | JPM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 13.6x | -0.87 | CFR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.81B | $895.92B | -$886.10B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | JPM REV | CFR GROSS % | JPM GROSS % | CFR FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $182.45B | 44.0% | — | $127.3M | -$147.78B |
| FY 2024 | $106.2M | $177.56B | 44.0% | — | $861.8M | -$42.01B |
| FY 2023 | $93.5M | $158.10B | 44.0% | — | $474.6M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
JPM // BETA 1.00