Cullen/Frost Bankers (Cullen/Frost), a US-based financial holding company, which provides a range of banking, investment, and insurance services to businesses and individuals. The company through its subsidiary, Frost Bank, operates more than 136 financial centers across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Rio Grande Valley, and San Antonio regions. The company operates in the US.
The company operates its business through two segments: Banking and Frost Wealth Advisors.
Cullen/Frost's Banking business segment includes both commercial and consumer banking services. The company's commercial banking services are provided to corporations and other business clients. Its consumer banking services include direct lending and depository services. In FY2016, the Banking segment reported revenues of USD769.6 million, which accounted for 99.1% of the company's total revenue, including Non-Banks.
The company's Frost Wealth Advisors business segment includes fee-based services within private trust, retirement services, and financial management services including personal wealth management and brokerage services. In FY2016, the Frost Wealth Advisors segment reported revenues of USD11.3 million, which accounted for 1.5% of the company's total revenue.
Cullen/Frost's subsidiaries include Cullen/Frost Capital Trust II, Frost Bank, Frost Insurance Agency, Inc., Frost Brokerage Services, Inc., Frost Investment Advisors, LLC, Tri-Frost Corporation, Tri–Frost Corporation, and Main Plaza Corporation.
The company's subsidiary, Cullen/Frost Capital Trust II subsidiary, is a statutory business trust that is engaged in issuing $120 million in trust preferred securities and lending the proceeds to Cullen/Frost. Its Frost Bank subsidiary is engaged in the business of providing commercial banking, consumer services, international banking, correspondent banking, trust services, capital markets related fixed-income services, and global trade services. The company's subsidiary, Frost Insurance Agency, provides insurance brokerage services to individuals and businesses covering corporate, personal property, and casualty services, and group health and life insurance services.
Cullen/Frost's Frost Brokerage Services is a wholly owned subsidiary of Frost Bank and is engaged in providing brokerage services and performs other transactions or operations related to the sale and purchase of securities. Frost Investment Advisors, a subsidiary of Frost Bank, provides investors access to Frost-managed mutual funds. Tri-Frost, a wholly-owned subsidiary of Frost Bank, holds securities for investment purposes and the receipt of cash flows related to principal and interest on the securities.
The company's subsidiary, Main Plaza, offers loans to qualified borrowers. Tri–Frost Corporation Frost Bank, a subsidiary of the bank, holds securities for investment purposes and the receipt of cash flows related to principal and interest on the securities until such time that the securities mature.
Cullen/Frost's other subsidiaries include Carton Service Corporation and Cullen BLP, Inc.
Scope of the Report
-- About the Company - Historical Details, Current Ownership Structure and basic overview of Cullen/Frost Bankers, Inc. in terms of revenue, net income, and operating income.
-- Financials - Details about Cullen/Frost Bankers, Inc. listing status, annual financial reports (for the past 5 years), key financial highlights and region wise and category wise breakdown of their net revenue.
-- Products / Services - Listing of the company’s entire portfolio along with description of individual products / services providing a clear picture of their target audience.
-- Company SWOT Analysis - Outlines Cullen/Frost Bankers, Inc.’s strengths, weaknesses, and opportunities and threats facing the company.
-- Recent Developments - Showcases Cullen/Frost Bankers, Inc.’s recent developments including mergers, acquisitions, partnerships, collaborations, new product launches, investment and divestment plans.
-- Strategic Evaluation - Provides an overview of Cullen/Frost Bankers, Inc.’s corporate goals and strategic initiatives and evaluates their outcomes along with outlining any persisting legal issues and outlook of our in-house analyst panel on the particular company.
-- Technology Landscape - Details how the company allocates its IT budget across the core areas of its business, CIO/CTO Profile, Key IT Initiatives and Deals undertaken buy the company at present along with outlook.
Key Questions Answered
-- What domain does Cullen/Frost Bankers, Inc. operate and what are key points about it?
-- What is the product / service portfolio of Cullen/Frost Bankers, Inc.?
-- How has Cullen/Frost Bankers, Inc. performed financially from the 2013?
-- How does Cullen/Frost Bankers, Inc. rank among its peers in terms of revenue and market share?
-- What are Cullen/Frost Bankers, Inc. strengths and weaknesses and what opportunities and threats does it face?
-- What are Cullen/Frost Bankers, Inc.’s main growth strategies and how successful has the company been at implementing them?
-- What is the in-house technical capability of Cullen/Frost Bankers, Inc.? Where does it procure / outsource it?
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1. About the Company
1.1 History and Basic Facts
1.2 Ownership Structure and Key Executives
1.3 Head Office
1.4 Other Locations & Subsidiaries
1.5 List of Competitors
1.6 Employee Count & Distribution
2.1 Company Type (Listed / Unlisted)
2.2 Annual Statements
2.3 Key Financial Highlights
2.4 Region-wise Breakdown
3. Product / Services
4. SWOT Analysis
4.1 SWOT Overview
5. Recent Developments
5.1 Mergers & Acquisitions
5.2 Partnerships, Collaborations & Joint Ventures
5.3 New Product Launches
5.4 Business Expansion / Divestment
6. Strategic Evaluation
6.1 Corporate Strategy
6.2 Legal Issues
6.3 Analyst Outlook
7. Technology Landscape
-- 7.1.1 Industry Snapshot
-- 7.1.2 IT Spend
-- 7.1.3 Key Information Technology Trends
-- 7.2.1 IT Overview
-- 7.2.2 Key IT Technologies
-- 7.2.3 Recent IT Initiatives
-- 7.2.4 IT Outsourcing Engagements
-- 7.2.5 Key IT Management
-- 7.2.6 CIO/CTO Profile
-- About Us
-- Contact Us