COMP <GO>
CFR vs MS // REVENUE GROWTH (YOY)
Cullen/Frost Bankers Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: CFR 11
— MS 3
▲ REVENUE GROWTH (YOY) LEADER: CFR
LAST: $157.60 (-0.16%) • MKT CAP: $9.81B
revenue-growth
14.40%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
revenue-growth
5.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 3.00% | +0.40 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.0x | 31.0x | -5.00 | CFR | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | -7.25% | +8.55 | CFR | /fcf-yield <GO> |
| Operating Margin | 75.00% | 24.60% | +50.40 | CFR | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | CFR | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | 14.40% | 5.50% | +8.90 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 2.21% | +0.39 | CFR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.46 | -0.01 | MS | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 5/9 | +2.00 | CFR | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.70% | 7.00% | -0.30 | CFR | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.3 | 43.3 | +11.01 | CFR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.93 | 1.04 | -0.11 | MS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 16.5x | -3.80 | CFR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.81B | $298.41B | -$288.60B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | MS REV | CFR GROSS % | MS GROSS % | CFR FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $0 | 44.0% | — | $127.3M | -$17.89B |
| FY 2024 | $106.2M | $0 | 44.0% | — | $861.8M | $1.36B |
| FY 2023 | $93.5M | $0 | 44.0% | — | $474.6M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
MS // BETA 1.04