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Cullen/Frost Bankers CFR Non Banks — Provision For Loan And Lease Losses

Discontinued — last reported Q4 '19

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HBANConsumer & Business Banking — Provision for loan and lease losses
$34M-47.7%

Other financials

Income statement

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Revenue$574.8M+6.4%
Net income$171.0M+13.3%
EPS (diluted)$2.65+15.2%

Balance sheet

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Cash & equivalents$7.1B-9.0%
Total debt$296.4M
Total equity$4.5B+10.1%
Total assets$52.7B+1.4%

Cash flow

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Operating cash flow$237.3M+180%
CapEx$38.6M-5.7%
Free cash flow$198.7M+159%

Valuation

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Market cap$9.15B+7.3%
P/E13.7×-0.6×
P/S0.0×

Profitability

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Net margin29.5%+1.0pp
FCF margin3.5%

Returns & leverage

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Return on equity15.5%0.0pp
Debt / equity0.1×

Where this comes from

Reported directly by Cullen/Frost Bankers in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanAndLeaseLosses.

The official record: Cullen/Frost Bankers’s 10-K, filed February 4, 2020, on SEC EDGAR. View the filing →

Questions, answered.

What does non banks — provision for loan and lease losses mean?
The amount of money set aside by non-banking business units to cover expected losses from loans that may not be repaid.
How do you interpret non banks — provision for loan and lease losses?
An increase suggests management anticipates higher credit risk or deteriorating loan quality, while a decrease may indicate improved portfolio health or a more optimistic economic outlook.
How does non banks — provision for loan and lease losses compare across companies?
Peers in the financial services sector typically report this as a provision for credit losses, with levels varying significantly based on the specific risk profile of the non-bank lending products offered.