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Cullen/Frost Bankers (CFR)
NYSE:CFR
CFR Stock Chart & Stats
$133.60
$0.82(0.61%)
At close: 4:00 PM EST
$133.60
$0.82(0.61%)
Day’s Range― - ―
52-Week Range$100.31 - $148.97
Previous CloseN/A
Volume65.54K
Average Volume (3M)578.97K
Market Cap
$8.44B
Enterprise Value$4.35B
Total Cash (Recent Filing)$9.98B
Total Debt (Recent Filing)$4.77B
Price to Earnings (P/E)12.5
Beta0.90
Next Earnings
Apr 23, 2026EPS Estimate
2.47Next Dividend Ex-DateN/A
Dividend Yield3.05%
Share Statistics
EPS (TTM)2.56
Shares Outstanding63,201,794
10 Day Avg. Volume605,527
30 Day Avg. Volume578,973
Financial Highlights & Ratios
PEG Ratio0.97
Price to Book (P/B)1.77
Price to Sales (P/S)2.78
P/FCF Ratio63.70
Enterprise Value/Market Cap0.51
Enterprise Value/Revenue1.49
Enterprise Value/Gross Profit1.98
Enterprise Value/Ebitda5.06
Forecast
1Y Price Target
$151.18Price Target Upside13.16% Upside
Rating ConsensusHold
Number of Analyst Covering12
EPS Forecast (FY)10.27
Revenue Forecast (FY)$2.39B
Bulls Say, Bears Say
Bulls Say
Branch Expansion And Shareholder ReturnsDe novo branch expansion in major Texas markets is expected to bolster deposits and loans, while room to increase share buybacks could enhance shareholder returns.
Credit Quality And CapitalA long record of strong credit quality, conservative loss allowances, and robust capital ratios should limit downside risk and preserve capacity for strategic actions.
Earnings And Loan GrowthCore earnings outperformance driven by sequential loan growth and a stable net interest margin supports expectations for continued revenue expansion.
Bears Say
Commercial Real Estate Pay-downs And Deposit CompetitionPotential pay-downs on multifamily commercial real estate loans combined with tougher deposit pricing in Texas could slow loan and deposit growth and compress margins.
Expense Pressure And Operating LeverageHigher non-interest expenses to fund growth initiatives could produce negative operating leverage if revenue growth lags spending plans.
Interest-rate Sensitivity And Execution RiskAn asset-sensitive balance sheet and guidance that assumes specific rate moves create execution risk for net interest income if interest-rate behavior differs from assumptions.
Cullen/Frost Bankers News
CFR FAQ
What was Cullen/Frost Bankers’s price range in the past 12 months?
Cullen/Frost Bankers lowest stock price was $100.31 and its highest was $148.97 in the past 12 months.
What is Cullen/Frost Bankers’s market cap?
Cullen/Frost Bankers’s market cap is $8.44B.
When is Cullen/Frost Bankers’s upcoming earnings report date?
Cullen/Frost Bankers’s upcoming earnings report date is Apr 23, 2026 which is in 30 days.
How were Cullen/Frost Bankers’s earnings last quarter?
Cullen/Frost Bankers released its earnings results on Jan 29, 2026. The company reported $2.56 earnings per share for the quarter, beating the consensus estimate of $2.453 by $0.107.
Is Cullen/Frost Bankers overvalued?
According to Wall Street analysts Cullen/Frost Bankers’s price is currently Undervalued.
Does Cullen/Frost Bankers pay dividends?
Cullen/Frost Bankers pays a Quarterly dividend of $1 which represents an annual dividend yield of 3.05%. See more information on Cullen/Frost Bankers dividends here
What is Cullen/Frost Bankers’s EPS estimate?
Cullen/Frost Bankers’s EPS estimate is 2.47.
How many shares outstanding does Cullen/Frost Bankers have?
Cullen/Frost Bankers has 63,201,794 shares outstanding.
What happened to Cullen/Frost Bankers’s price movement after its last earnings report?
Cullen/Frost Bankers reported an EPS of $2.56 in its last earnings report, beating expectations of $2.453. Following the earnings report the stock price went up 2.648%.
Which hedge fund is a major shareholder of Cullen/Frost Bankers?
Currently, no hedge funds are holding shares in CFR
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Cullen/Frost Bankers Stock Smart Score
Neutral
1
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4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$151.18 (13.16% Upside)
$151.18 (13.16% Upside)
Blogger Sentiment
Bullish
CFR Sentiment 80%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Decreased
By 23.3K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 4.8%
Last 30 Days ▲ 2.5%
Last 30 Days ▲ 2.5%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
11.17%
12-Months-Change
Fundamentals
Return on Equity
14.95%
Trailing 12-Months
Asset Growth
0.99%
Trailing 12-Months
Company Description
Cullen/Frost Bankers
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.
CFR Company Deck
CFR Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple clear positives: solid loan and deposit growth, meaningful traction from the organic expansion program (200 locations, $2.0B loans and $2.76B deposits generated), stronger booked commitments and new commercial relationships, improved NIM and upgraded net interest income and noninterest income guidance. Offsetting items include rising problem loans (primarily multifamily criticized), higher quarterly net charge-offs, a large unrealized AFS loss, elevated structuring-related losses due to heightened competition, and continued expense growth that has historically outpaced revenue. Management expects expansion accretion in 2026 and provided constructive guidance, but near-term risks (asset quality migration in specific pockets and investment mark-to-market losses) temper the outlook.View all CFR earnings summariesCFR Stock 12 Month Forecast
Average Price Target
$151.18
▲(13.16% Upside)
Technical Analysis
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Popular
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Ownership Overview
1.26% Insiders
25.13% Mutual Funds
25.84% Other Institutional Investors
20.89% Public Companies and
Individual Investors