CFR
NEUTRAL
$141.4
Live
Cullen/Frost Bankers, Inc. · NYSE
Target $146.67
(+3.7%)
$114.29
52W Range
$148.97
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 25, 2026
Market cap
$8.9B
P/E
14.24
ROE
15.3%
Profit margin
29.6%
Debt/Equity
N/A
Dividend yield
2.83%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
CFR presents a dichotomy between exceptional earnings consistency and deteriorating financial health, as evidenced by a weak Piotroski F-Score of 3/9. While the stock trades between its Graham Number ($123.50) and Intrinsic Value ($191.38), the high PEG ratio of 2.38 and a bearish technical trend (10/100) suggest limited immediate upside. Strong ROE (15.31%) and a sustainable dividend payout (39.82%) provide a fundamental floor, but insider selling and poor deterministic health scores warrant a cautious approach. The company remains a stable earner, but current valuation and health metrics indicate a period of stagnation.
Key Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong Return on Equity (ROE) of 15.31%
Sustainable dividend profile with a low payout ratio of 39.82%
Steady year-over-year revenue growth of 9.50%
Reasonable P/E ratio (14.24) relative to broader financial sector averages
Key Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Bearish technical trend (10/100) suggesting strong downward momentum
High PEG ratio (2.38) indicating the stock may be overvalued relative to its growth rate
Bearish insider sentiment with recent officer selling
Regional bank sector exposure to interest rate volatility and credit risk
AI Fair Value Estimate
Based on comprehensive analysis
$148.44
+5.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
65
Strong
62
65
92
33
75
AI Verdict
Stable but Stagnant
Key drivers: Earnings consistency, Piotroski health decline, Bearish technicals, Sustainable dividends
Confidence
90%
Value
62/100
Ref P/E, PEG, Graham Number
Positives
- P/E is moderate at 14.24
- Price is below growth-based intrinsic value
Watchpoints
- Price is above Graham Number ($123.5)
- PEG ratio is high at 2.38
Future
65/100
Ref Growth rates
Positives
- Consistent revenue growth (9.5%)
- Positive forward P/E trend
Watchpoints
- Earnings growth (8.5%) is modest
- Recent Q/Q EPS growth is negative (-4.1%)
Past
92/100
Ref Historical trends
Positives
- Remarkable 25-quarter earnings beat history
- Strong 5-year price appreciation (+40.2%)
Watchpoints
- Recent short-term price volatility
Health
33/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive ROA (1.23%)
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
Dividend
75/100
Ref Yield, Payout
Positives
- Healthy payout ratio (39.82%)
- Consistent dividend rate of $4.00
Watchpoints
- Yield (2.83%) is not exceptionally high for the sector
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$141.4
Analyst Target
$146.67
Upside/Downside
+3.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CFR and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CFR
Cullen/Frost Bankers, Inc.
Primary
|
+40.2% | +54.4% | +25.3% | +15.0% | +4.5% | -1.4% |
|
AMG
Affiliated Managers Group, Inc.
Peer
|
+181.7% | +94.2% | +71.8% | +48.2% | +9.8% | -1.9% |
|
ZION
Zions Bancorporation, National Association
Peer
|
+36.1% | +149.2% | +46.0% | +23.1% | +11.4% | +1.8% |
|
FRHC
Freedom Holdings Corp.
Peer
|
+190.3% | +116.4% | +16.4% | -11.5% | +13.8% | -0.3% |
|
ONB
Old National Bancorp
Peer
|
+48.8% | +92.4% | +27.0% | +16.4% | +10.3% | +1.4% |
CFR
Cullen/Frost Bankers, Inc.
Primary
5Y
+40.2%
3Y
+54.4%
1Y
+25.3%
6M
+15.0%
1M
+4.5%
1W
-1.4%
AMG
Affiliated Managers Group, Inc.
Peer
5Y
+181.7%
3Y
+94.2%
1Y
+71.8%
6M
+48.2%
1M
+9.8%
1W
-1.9%
ZIO
Zions Bancorporation, National Association
Peer
5Y
+36.1%
3Y
+149.2%
1Y
+46.0%
6M
+23.1%
1M
+11.4%
1W
+1.8%
FRH
Freedom Holdings Corp.
Peer
5Y
+190.3%
3Y
+116.4%
1Y
+16.4%
6M
-11.5%
1M
+13.8%
1W
-0.3%
ONB
Old National Bancorp
Peer
5Y
+48.8%
3Y
+92.4%
1Y
+27.0%
6M
+16.4%
1M
+10.3%
1W
+1.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.24
Forward P/E
13.29
PEG Ratio
2.38
P/B Ratio
2.02
P/S Ratio
4.06
EV/Revenue
2.39
EV/EBITDA
N/A
Market Cap
$8.9B
Profitability
Profit margins and return metrics
Profit Margin
29.6%
Operating Margin
34.52%
Gross Margin
N/A
ROE
15.31%
ROA
1.23%
Growth
Revenue and earnings growth rates
Revenue Growth
+9.5%
Earnings Growth
+8.5%
Q/Q Revenue Growth
+8.34%
Q/Q Earnings Growth
+7.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$142.58
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.6B
Net Margin
28.6%
Total Assets
$53.0B
Liabilities
$48.5B
Equity
$4.6B
Debt/Equity
10.60x
Operating CF
$0.2B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
76%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-01-29
$2.56
+3.8% surprise
2025-10-30
$2.67
+12.0% surprise
2025-07-31
$2.39
+3.5% surprise
Financial Services Sector Comparison
Comparing CFR against 648 companies in the Financial Services sector
(117 bullish, 268 neutral, 263 bearish)
P/E Ratio
14.24
This Stock
vs
38.87
Sector Avg
-63.4%
(Discount)
Return on Equity (ROE)
15.31%
This Stock
vs
-1.01%
Sector Avg
-1617.4%
(Below Avg)
Profit Margin
29.6%
This Stock
vs
57.27%
Sector Avg
-48.3%
(Weaker)
Revenue Growth
9.5%
This Stock
vs
40.3%
Sector Avg
-76.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CFR
Cullen/Frost Bankers, Inc.
|
NEUTRAL | $8.9B | 14.24 | 15.3% | 29.6% | $141.4 | |
|
AMG
Affiliated Managers Group, Inc.
|
BULLISH | $9.09B | 19.73 | 16.2% | 26.0% | $319.82 | Compare |
|
ZION
Zions Bancorporation,...
|
NEUTRAL | $9.21B | 9.73 | 14.1% | 28.4% | $62.63 | Compare |
|
FRHC
Freedom Holdings Corp.
|
BEARISH | $9.25B | 7557.5 | 0.2% | 0.2% | $151.15 | Compare |
|
ONB
Old National Bancorp
|
BULLISH | $9.26B | 13.58 | 9.0% | 29.1% | $23.77 | Compare |
CFR
Cullen/Frost...
NEUTRAL
Mkt Cap
$8.9B
P/E
14.2
ROE
15.3%
Price
$141.4
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-09 | EDWARDS CRAWFORD H | Director | Gift | 750 | - |
| 2026-02-10 | GREEN PHILLIP D | Chief Executive Officer | Gift | 912 | - |
| 2026-02-05 | GREEN PHILLIP D | Chief Executive Officer | Stock Award | 9,124 | - |
| 2026-02-05 | ALONZO ANNETTE M | Officer | Stock Award | 1,638 | - |
| 2026-02-05 | STEAD JIMMY | Officer | Stock Award | 2,155 | - |
| 2026-02-05 | SEVERYN CAROL JEAN | Officer | Stock Award | 1,681 | - |
| 2026-02-05 | RHODES COOLIDGE E JR | General Counsel | Stock Award | 1,724 | - |
| 2026-02-05 | KASANOFF HOWARD L. | Officer | Stock Award | 882 | - |
| 2026-02-05 | BERMAN ROBERT A | Officer | Stock Award | 1,293 | - |
| 2026-02-05 | BRACHER PAUL H | President | Stock Award | 2,299 | - |
| 2026-01-30 | BERMAN ROBERT A | Officer | Sale | 1,000 | $137,070 |
| 2025-12-12 | PULLIN ERICKA LYNN | Officer | Sale | - | $43 |
| 2025-12-09 | RHODES COOLIDGE E JR | General Counsel | Gift | 495 | - |
| 2025-12-09 | RHODES COOLIDGE E JR | General Counsel | Sale | 700 | $88,900 |
| 2025-12-05 | GREEN PHILLIP D | Chief Executive Officer | Gift | 2,892 | - |
EDWARDS CRAWFORD H
Director
2026-03-09
750 shares
GREEN PHILLIP D
Chief Executive Officer
2026-02-10
912 shares
GREEN PHILLIP D
Chief Executive Officer
2026-02-05
9,124 shares
ALONZO ANNETTE M
Officer
2026-02-05
1,638 shares
STEAD JIMMY
Officer
2026-02-05
2,155 shares
SEVERYN CAROL JEAN
Officer
2026-02-05
1,681 shares
RHODES COOLIDGE E JR
General Counsel
2026-02-05
1,724 shares
KASANOFF HOWARD L.
Officer
2026-02-05
882 shares
BERMAN ROBERT A
Officer
2026-02-05
1,293 shares
BRACHER PAUL H
President
2026-02-05
2,299 shares
BERMAN ROBERT A
Officer
2026-01-30
1,000 shares
·
$137,070
PULLIN ERICKA LYNN
Officer
2025-12-12
$43
RHODES COOLIDGE E JR
General Counsel
2025-12-09
495 shares
RHODES COOLIDGE E JR
General Counsel
2025-12-09
700 shares
·
$88,900
GREEN PHILLIP D
Chief Executive Officer
2025-12-05
2,892 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
8-K/A
8-K
10-K
Cullen/Frost Bankers, Inc. filed its 2025 annual report (10-K) on February 5, 2026. The filing includes comprehensive disclosures regarding the company's business operations, risk factors, and management's analysis of its financial condition. Specific financial highlights and risk details were not provided in the available excerpts.
8-K
8-K
10-Q
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
15 analysts
Barclays
2026-04-07
Equal-Weight
Equal-Weight
Evercore ISI Group
2026-04-06
In-Line
In-Line
Morgan Stanley
2026-03-31
Underweight
Underweight
Cantor Fitzgerald
2026-03-03
Neutral
Neutral
Morgan Stanley
2026-03-02
Underweight
Underweight
Evercore ISI Group
2026-02-10
In-Line
In-Line
Citigroup
2026-02-02
Sell
Sell
DA Davidson
2026-01-30
Neutral
Neutral
Barclays
2026-01-30
Equal-Weight
Equal-Weight
RBC Capital
2026-01-30
Sector Perform
Sector Perform
Past News Coverage
Recent headlines mentioning CFR from our newsroom.
Newest → oldest
No matching news yet.