Cullen/Frost Bankers Inc (CFR)

Cullen/Frost Bankers, Inc. is a bank holding company for Frost Bank and the issuer of common stock listed on the NYSE under the symbol CFR. Through Frost Bank, the company provides commercial and consumer banking services primarily in Texas. Its commercial banking activities include financing for industrial and commercial properties, construction lending, equipment, inventory and receivables financing, acquisition financing, and treasury management. On the consumer side, it offers checking accounts, ATMs, overdraft facilities, installment and real estate loans, first mortgage loans, home equity credit, safe deposit services, brokerage services, and related banking products. The company also provides international banking, correspondent banking, trust and custodial services, capital markets services, insurance and securities brokerage, and investment management services. Founded in 1868 and headquartered in San Antonio, Texas, Cullen/Frost Bankers serves clients across sectors including energy, manufacturing, retail, healthcare, and transportation.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-CFR
$184.16
14.1% Upside
Fair
$159
-1.5% Downside
Fair
Good
4.12
2.5%
July 30, 2026
15.5x
2.3x
4.5x
10.178 B
31.9%
98.6%
-1.2
39.5%
101.3%
Valuation • Fair Value

Cullen/Frost Bankers Inc (NYSE-CFR) Fair Value by Valuation Model

Compare the primary fair value estimate for Cullen/Frost Bankers Inc (NYSE-CFR) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$184.16

Estimated upside of 14.1% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$115.71

Classic Ben Graham valuation formula reference.

DDM Fair Value

$256.58

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$135.89

Comparable-company valuation reference.

Analyst Price Target

$159

Analysts imply downside of 1.5%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Cullen/Frost Bankers Inc (NYSE-CFR) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Cullen/Frost Bankers Inc (NYSE-CFR)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

2.232 B

Current operating scale indicator.

Revenue Forecast

2.386 B

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Cullen/Frost Bankers Inc (NYSE-CFR) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Cullen/Frost Bankers Inc (NYSE-CFR)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.2

Lower score that deserves closer risk review.

FCF / Net Income

101.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Cullen/Frost Bankers Inc (NYSE-CFR). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Cullen/Frost Bankers Inc (NYSE-CFR)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 30, 2026

Days to Earnings

9

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.5%

Income yield reference.

Upcoming Dividend

4.12

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

39.5%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Cullen/Frost Bankers Inc (NYSE-CFR), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Cullen/Frost Bankers Inc (NYSE-CFR) Stock Forecast & Technical Outlook

Review Cullen/Frost Bankers Inc (NYSE-CFR) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Sell

The 15-minute technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Buy

The 1-hour technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Cullen/Frost Bankers Inc (NYSE-CFR)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Cullen/Frost Bankers Inc (NYSE-CFR) has a Hold consensus, with 2 buy, 8 hold and 2 sell recommendations in the current data set.

Buy 2
Hold 8
Sell 2
FAQ Fast Investor Answers

Cullen/Frost Bankers Inc (NYSE-CFR) Stock FAQ

Quick answers about Cullen/Frost Bankers Inc (NYSE-CFR) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$184.16
Estimated upside 14.1%
Valuation Rating
Undervalued
Estimated upside of 14.1%
Analyst Target
$159
Implied downside 1.5%
Financial Health
Good
Current financial-health read

The current fair value estimate for Cullen/Frost Bankers Inc (NYSE-CFR) is $184.16. This implies an estimated upside of 14.1% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 14.1% versus the current market price.

The available analyst price target for Cullen/Frost Bankers Inc (NYSE-CFR) is $159. The analyst target implies estimated downside of 1.5%.

The current financial health read for Cullen/Frost Bankers Inc (NYSE-CFR) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Cullen/Frost Bankers Inc (NYSE-CFR) is July 30, 2026.

Based on the current data, dividend yield is 2.5%, upcoming dividend amount is 4.12.

The current P/E ratio listed for Cullen/Frost Bankers Inc (NYSE-CFR) is 15.5x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Cullen/Frost Bankers Inc is 10.178 B.

The ticker symbol for Cullen/Frost Bankers Inc is NYSE-CFR, and the stock is listed on NYSE.

Cullen/Frost Bankers Inc (NYSE-CFR) is listed on NYSE.

The current debt-to-total-capital ratio listed for Cullen/Frost Bankers Inc is 31.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Cullen/Frost Bankers Inc is 98.6%. Free float helps investors understand how much of the share base is available for public trading.