COMP <GO>
CFR vs ZION // 10Y YIELD & FRED MACRO BETA
Cullen/Frost Bankers Inc. (NYSE) VS. Zions Bancorporation N.A. (NASDAQ) • 15-METRIC TALLY: CFR 6
— ZION 3
▲ 10Y YIELD & FRED MACRO BETA LEADER: CFR
LAST: $160.30 (+1.71%) • MKT CAP: $9.80B
macro-sensitivity
0.93
LAST: $66.38 (+1.55%) • MKT CAP: $9.54B
macro-sensitivity
0.90
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. ZION)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | ZION | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 2.80% | +0.60 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.0x | 27.7x | -1.70 | CFR | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | 9.85% | -8.55 | ZION | /fcf-yield <GO> |
| Operating Margin | 75.00% | 75.00% | 0.00 | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 14.40% | 3.10% | +11.30 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 2.76% | -0.16 | ZION | /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 | 52.2 | +1.80 | CFR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.93 | 0.90 | +0.03 | CFR | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 10.0x | +2.70 | ZION | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.80B | $9.54B | $258.7M | CFR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | ZION REV | CFR GROSS % | ZION GROSS % | CFR FCF | ZION FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $529.0M | — | — | $127.3M | $952.0M |
| FY 2024 | $106.2M | $513.0M | — | — | $861.8M | $1.05B |
| FY 2023 | $93.5M | $503.0M | — | — | $474.6M | $862.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
ZION // BETA 0.90