Cullen/Frost Bankers (NYSE:CFR) and Southern First Bancshares (NASDAQ:SFST) Critical Analysis
Cullen/Frost Bankers (NYSE:CFR) and Southern First Bancshares (NASDAQ:SFST) Critical Analysis
Cullen/Frost Bankers (NYSE:CFR – Get Rating) and Southern First Bancshares (NASDAQ:SFST – Get Rating) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, profitability, dividends and analyst recommendations.
卡伦/弗罗斯特银行家(纽约证券交易所代码：CFR-GET评级)和南方第一银行股份(纳斯达克：SFST-GET评级)都是金融公司，但哪只股票更优越？我们将根据这两家公司的风险、估值、机构所有权、收益、盈利能力、股息和分析师的建议来比较它们的实力。
Institutional & Insider Ownership
机构与内部人持股
78.9% of Cullen/Frost Bankers shares are held by institutional investors. Comparatively, 79.4% of Southern First Bancshares shares are held by institutional investors. 3.8% of Cullen/Frost Bankers shares are held by insiders. Comparatively, 7.3% of Southern First Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
库伦/弗罗斯特银行家公司78.9%的股份由机构投资者持有。相比之下，南方第一银行79.4%的股份由机构投资者持有。库伦/弗罗斯特银行家公司3.8%的股份由内部人士持有。相比之下，南方第一银行7.3%的股份由内部人士持有。强大的机构持股表明，大型基金管理公司、对冲基金和捐赠基金相信，一家公司的长期表现将好于大盘。
Analyst Ratings
分析师评级
This is a breakdown of recent ratings and price targets for Cullen/Frost Bankers and Southern First Bancshares, as reported by MarketBeat.com.
据MarketBeat.com报道，这是Cullen/Frost Bankers和Southern First BancShares最近的评级和目标价细分。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Cullen/Frost Bankers | 1 | 5 | 5 | 0 | 2.36 |
| Southern First Bancshares | 0 | 0 | 1 | 0 | 3.00 |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| 库伦/弗罗斯特银行家 | 1 | 5 | 5 | 0 | 2.36 |
| 南方第一银行股份 | 0 | 0 | 1 | 0 | 3.00 |
Valuation & Earnings
估值与收益
This table compares Cullen/Frost Bankers and Southern First Bancshares' top-line revenue, earnings per share (EPS) and valuation.
此表比较了Cullen/Frost Bankers和Southern First BancShares的营收、每股收益(EPS)和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Cullen/Frost Bankers | $1.40 billion | 6.35 | $443.08 million | $6.51 | 21.24 |
| Southern First Bancshares | $110.27 million | 3.11 | $46.71 million | $5.12 | 8.39 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| 库伦/弗罗斯特银行家 | 14亿美元 | 6.35 | 4.4308亿美元 | $6.51 | 21.24 |
| 南方第一银行股份 | 1.1027亿美元 | 3.11 | 4,671万美元 | $5.12 | 8.39 |
Cullen/Frost Bankers has higher revenue and earnings than Southern First Bancshares. Southern First Bancshares is trading at a lower price-to-earnings ratio than Cullen/Frost Bankers, indicating that it is currently the more affordable of the two stocks.
库伦/弗罗斯特银行家的收入和收益高于南方第一银行股份。Southern First BancShares的市盈率低于Cullen/Frost Bankers，表明目前它是两只股票中更负担得起的一只。
Profitability
盈利能力
This table compares Cullen/Frost Bankers and Southern First Bancshares' net margins, return on equity and return on assets.
此表比较了Cullen/Frost Bankers和Southern First BancShares的净利润率、股本回报率和资产回报率。
| Net Margins | Return on Equity | Return on Assets | |
| Cullen/Frost Bankers | 29.19% | 11.13% | 0.85% |
| Southern First Bancshares | 36.78% | 14.93% | 1.37% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| 库伦/弗罗斯特银行家 | 29.19% | 11.13% | 0.85% |
| 南方第一银行股份 | 36.78% | 14.93% | 1.37% |
Volatility and Risk
波动性和风险
Cullen/Frost Bankers has a beta of 1.19, suggesting that its stock price is 19% more volatile than the S&P 500. Comparatively, Southern First Bancshares has a beta of 0.88, suggesting that its stock price is 12% less volatile than the S&P 500.
Cullen/Frost Bankers的贝塔系数为1.19，这表明其股价的波动性比标准普尔500指数高19%。相比之下，Southern First BancShares的贝塔系数为0.88，这表明其股价的波动性比标准普尔500指数低12%。
About Cullen/Frost Bankers
关于库伦/弗罗斯特银行家
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Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds, and foreign exchange services. Further, it acts as a correspondent for approximately 171 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; and holds securities for investment purposes, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 157 financial centers and 1,650 ATMs. The company serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.
卡伦/弗罗斯特银行家公司是弗罗斯特银行的银行控股公司，在德克萨斯州提供商业和个人银行服务。它分两个部门运营，即银行和弗罗斯特财富顾问公司。该公司为企业和其他商业客户提供商业银行服务，包括工商物业融资、与工商物业、设备、库存和应收账款相关的临时建设和收购；商业租赁；以及金库管理服务。它还提供消费银行服务，如支票账户、储蓄程序、自动柜员机(ATM)、透支设施、分期付款和房地产贷款、房屋净值贷款和信用额度、免下车和夜间存款服务、安全存款设施和经纪服务。此外，该公司还提供国际银行服务，包括存款、贷款、信用证、外国托收、基金和外汇服务。此外，它还为大约171家金融机构提供代理；为个人和公司客户提供信托、投资、代理和托管服务；提供包括销售和交易、新股承销、货币市场交易、咨询、证券保管和结算在内的资本市场服务；并支持国际商业活动。此外，该公司还提供保险和证券经纪服务；为投资目的持有证券，以及为弗罗斯特管理的共同基金、机构和个人提供投资管理服务。它运营着大约157个金融中心和1650台自动取款机。该公司服务于能源、制造、服务、建筑、零售、电信、医疗保健、军事和运输行业。卡伦/弗罗斯特银行家公司成立于1868年，总部设在德克萨斯州的圣安东尼奥。
About Southern First Bancshares
关于南方第一银行股份
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Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. It operates through eight retail offices located in Greenville, Charleston, and Columbia; three retail offices located in Raleigh, Greensboro, and Charlotte markets; and one retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
南方第一银行股份有限公司作为南方第一银行的银行控股公司，向南卡罗来纳州、北卡罗来纳州和佐治亚州的公众提供各种银行产品和服务。它通过三个部门运作：商业和零售银行业务、抵押银行业务和企业运营业务。该公司接受各种存款产品，包括支票账户、商业支票账户和储蓄账户，以及其他定期存款，包括每日货币市场账户和长期存单。其贷款组合包括商业房地产贷款；建筑房地产贷款；各种行业的商业贷款，如制造业、服务业和专业服务领域；消费房地产和房屋净值贷款；以及其他消费贷款，包括担保和无担保分期贷款和循环信贷额度。此外，该公司还提供其他银行服务，如网上银行、现金管理、保险箱、直接存款、自动汇票、账单支付和手机银行服务。它通过位于格林维尔、查尔斯顿和哥伦比亚的八个零售办事处，位于罗利、格林斯伯勒和夏洛特市场的三个零售办事处，以及位于亚特兰大的一个零售办事处开展业务。该公司成立于1999年，总部设在南卡罗来纳州格林维尔。
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