Cullen/Frost Bankers CFR
United StatesFinancial Services · Banks - RegionalUSD
173.36 USD (+15.3%)
14 analysts
Trading 2120.30 €Open account ↗
Lightyear0.90 €Open account ↗
N260.90 €Open account ↗
XTB1.00 €★ featured · affiliateOpen account ↗Trading 2120.30 €Open account ↗Lightyear0.90 €Open account ↗XTB1.00 €★ featured · affiliateOpen account ↗200.00 € order · cheapest cheapest available in your country iCompare all 22 brokers →What does it do?
Cullen/Frost Bankers is a regional bank headquartered in Texas offering commercial and consumer banking, wealth management, and insurance services, with a business model focused on long-term relationships and a strong presence in its local market.
Key points
from its scores- ✓High-quality business8.9
- ✓Favourable backdrop8.3
- ✓Good share-price trend7.2
- !Somewhat demanding valuation5.0
- !Balance sheet could be stronger5.8
AI analysis
bottom line, main risk, context and newsHold or accumulate positions in Cullen/Frost, given its solid balance sheet, asset quality, and reasonable valuation, while monitoring interest rate trends and loan portfolio growth.
Cullen/Frost shows solid financial health (ROE of 15.5% and operating margin of 37.2%) and a reasonable valuation (P/E of 14.21), with earnings growth of 12.8% supporting its profile as a quality regional bank. The rising interest rate environment in the US could favor its net interest margin, although its effect is already partially priced in.
The main risk is a potential economic slowdown in Texas that increases loan defaults and compresses the net interest margin, despite its strong capital position.
Context and risks
Cullen/Frost is a Texas-based regional bank with a solid balance sheet (ROE of 15.5% and operating margin of 37.2%) and no recent relevant news. Its exposure to the interest rate cycle is inherent to its intermediation business, which is already reflected in its metrics. No specific regulatory, geopolitical, or business model risks are identified beyond those inherent to the US banking sector.
Is Cullen/Frost Bankers stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 14.2 | 13.7 | +4% |
| Price / book | 2.1 | 1.9 | +13% |
| Price / sales | 4.1 | 3.5 | +20% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.0 out of 10 (median for Financial Services: 5.2).
Average analyst target: 173.36 USD, +15.3% versus the price.
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 14.2
- Forward P/E
- 12.6
- Price / book
- 2.1
- Price / sales
- 4.1
- PEG
- 2.82
- Market cap
- 9.3B USD
- Enterprise value
- 8.4B USD
Profitability
- ROE
- 15.5%
- ROA
- 1.3%
- ROIC (approx.)
- 8.4%
- Gross margin
- 0.0%
- Operating margin
- 37.2%
- Net margin
- 30.2%
Solvency
- Total debt
- 5.5B USD
- Net debt
- −1.1B USD
- Cash
- 6.6B USD
Growth
- Revenue growth
- +6.1%
- Earnings growth
- +12.8%
- EPS (TTM)
- 10.58 USD
- EPS (forward)
- 11.93 USD
Dividend
- Dividend yield
- 2.7%
- Payout
- 38.1%
Risk and market
- Beta
- 0.55
- Analyst consensus
- Hold (14)
- Target price
- 173.36 USD
- 52-week range
- 119.00 – 170.80
Recent news
All CFR news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Cullen/Frost Bankers
Is Cullen/Frost Bankers stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 5.0 out of 10 (median for Financial Services: 5.2). Average analyst target: 173.36 USD, +15.3% versus the price. This is not investment advice.
What score does Cullen/Frost Bankers get on MeridIAn Screener?
It scores 7.0 out of 10, rank 204 of 2,130 (better than 89% of the companies analysed). Its strongest category is Quality / Moat (8.9) and its weakest, Valuation (5.0). Analysis of 08/10/2026.
What is Cullen/Frost Bankers's P/E ratio?
Its P/E is 14.2: the share price equals 14.2 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 12.6.
How much is Cullen/Frost Bankers worth on the stock market?
Its market capitalisation is 9.3B USD.
Does Cullen/Frost Bankers pay a dividend?
Yes: its dividend yield is 2.74% and it pays out 38% of its earnings.
How has Cullen/Frost Bankers stock performed over the last year?
It has risen 26.0% over the last year, excluding dividends. Over the last 52 weeks it has traded between 119.00 and 170.80 USD. Past performance does not guarantee future results.
What do analysts think of Cullen/Frost Bankers?
14 analysts cover it; their average recommendation is “Hold” and their average target is 173.36 USD (+15.3% versus the price). It is an estimate, not market data.