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.
卡倫/弗羅斯特銀行家(紐約證券交易所代碼：CFR-GET評級)和南方第一銀行股份(納斯達克：SFST-GET評級)都是金融公司，但哪隻股票更優越？我們將根據這兩家公司的風險、估值、機構所有權、收益、盈利能力、股息和分析師的建議來比較它們的實力。
Institutional & Insider Ownership
機構與內部人持股
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.
庫倫/弗羅斯特銀行家公司78.9%的股份由機構投資者持有。相比之下，南方第一銀行79.4%的股份由機構投資者持有。庫倫/弗羅斯特銀行家公司3.8%的股份由內部人士持有。相比之下，南方第一銀行7.3%的股份由內部人士持有。強大的機構持股表明，大型基金管理公司、對衝基金和捐贈基金相信，一家公司的長期表現將好於大盤。
Analyst Ratings
分析師評級
This is a breakdown of recent ratings and price targets for Cullen/Frost Bankers and Southern First Bancshares, as reported by MarketBeat.com.
據MarketBeat.com報道，這是Cullen/Frost Bankers和Southern First BancShares最近的評級和目標價細分。
| 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 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| 庫倫/弗羅斯特銀行家 | 1 | 5 | 5 | 0 | 2.36 |
| 南方第一銀行股份 | 0 | 0 | 1 | 0 | 3.00 |
Valuation & Earnings
估值與收益
This table compares Cullen/Frost Bankers and Southern First Bancshares' top-line revenue, earnings per share (EPS) and valuation.
此表比較了Cullen/Frost Bankers和Southern First BancShares的營收、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 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| 庫倫/弗羅斯特銀行家 | 14億美元 | 6.35 | 4.4308億美元 | $6.51 | 21.24 |
| 南方第一銀行股份 | 1.1027億美元 | 3.11 | 4,671萬美元 | $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.
庫倫/弗羅斯特銀行家的收入和收益高於南方第一銀行股份。Southern First BancShares的市盈率低於Cullen/Frost Bankers，表明目前它是兩隻股票中更負擔得起的一隻。
Profitability
盈利能力
This table compares Cullen/Frost Bankers and Southern First Bancshares' net margins, return on equity and return on assets.
此表比較了Cullen/Frost Bankers和Southern First BancShares的淨利潤率、股本回報率和資產回報率。
| 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% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| 庫倫/弗羅斯特銀行家 | 29.19% | 11.13% | 0.85% |
| 南方第一銀行股份 | 36.78% | 14.93% | 1.37% |
Volatility and Risk
波動性和風險
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的貝塔係數為1.19，這表明其股價的波動性比標準普爾500指數高19%。相比之下，Southern First BancShares的貝塔係數為0.88，這表明其股價的波動性比標準普爾500指數低12%。
About Cullen/Frost Bankers
關於庫倫/弗羅斯特銀行家
(Get Rating)
(獲取評級)
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.
卡倫/弗羅斯特銀行家公司是弗羅斯特銀行的銀行控股公司，在德克薩斯州提供商業和個人銀行服務。它分兩個部門運營，即銀行和弗羅斯特財富顧問公司。該公司為企業和其他商業客户提供商業銀行服務，包括工商物業融資、與工商物業、設備、庫存和應收賬款相關的臨時建設和收購；商業租賃；以及金庫管理服務。它還提供消費銀行服務，如支票賬户、儲蓄程序、自動櫃員機(ATM)、透支設施、分期付款和房地產貸款、房屋淨值貸款和信用額度、免下車和夜間存款服務、安全存款設施和經紀服務。此外，該公司還提供國際銀行服務，包括存款、貸款、信用證、外國託收、基金和外匯服務。此外，它還為大約171家金融機構提供代理；為個人和公司客户提供信託、投資、代理和託管服務；提供包括銷售和交易、新股承銷、貨幣市場交易、諮詢、證券保管和結算在內的資本市場服務；並支持國際商業活動。此外，該公司還提供保險和證券經紀服務；為投資目的持有證券，以及為弗羅斯特管理的共同基金、機構和個人提供投資管理服務。它運營着大約157個金融中心和1650台自動取款機。該公司服務於能源、製造、服務、建築、零售、電信、醫療保健、軍事和運輸行業。卡倫/弗羅斯特銀行家公司成立於1868年，總部設在德克薩斯州的聖安東尼奧。
About Southern First Bancshares
關於南方第一銀行股份
(Get Rating)
(獲取評級)
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.
南方第一銀行股份有限公司作為南方第一銀行的銀行控股公司，向南卡羅來納州、北卡羅來納州和佐治亞州的公眾提供各種銀行產品和服務。它通過三個部門運作：商業和零售銀行業務、抵押銀行業務和企業運營業務。該公司接受各種存款產品，包括支票賬户、商業支票賬户和儲蓄賬户，以及其他定期存款，包括每日貨幣市場賬户和長期存單。其貸款組合包括商業房地產貸款；建築房地產貸款；各種行業的商業貸款，如製造業、服務業和專業服務領域；消費房地產和房屋淨值貸款；以及其他消費貸款，包括擔保和無擔保分期貸款和循環信貸額度。此外，該公司還提供其他銀行服務，如網上銀行、現金管理、保險箱、直接存款、自動匯票、賬單支付和手機銀行服務。它通過位於格林維爾、查爾斯頓和哥倫比亞的八個零售辦事處，位於羅利、格林斯伯勒和夏洛特市場的三個零售辦事處，以及位於亞特蘭大的一個零售辦事處開展業務。該公司成立於1999年，總部設在南卡羅來納州格林維爾。
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