CFR

Cullen/Frost Bankers Inc

Add to Watchlist

Advanced Chart

130.450

+0.240(+0.180%)

Overview
Forecast
Valuation

Line

Candle

YTD

High

130.730

Open

130.060

VWAP

130.35

Vol

205.18K

Mkt Cap

8.39B

Low

129.360

Amount

26.74M

EV/EBITDA(TTM)

16.69

Total Shares

64.25M

12.47B

EV/OCF(TTM)

6.97

P/S(TTM)

4.21

Cullen/Frost Bankers, Inc. is a financial holding and bank holding company. The Company's segments include Banking and Frost Wealth Advisors. The Banking segment includes both commercial and consumer banking services and Frost Insurance Agency. Its commercial banking services are provided to corporations and other business clients and include a range of lending and cash management products. Its consumer banking services include direct lending and depository services. Its Frost Insurance Agency provides insurance brokerage services to individuals and businesses covering corporate and personal property and casualty products, as well as group health and life insurance products. The Frost Wealth Advisors segment includes fee-based services within private trust, retirement services, and financial management services, including personal wealth management and securities brokerage services. The Company serves a range of industries, including energy, manufacturing, construction, and others.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

572.30M

+2.83%

2.336

-1.01%

563.58M

+4.59%

2.337

+4.31%

553.30M

+4.63%

2.295

+3.83%

Estimates Revision

The market is revising Upward the revenue expectations for Cullen/Frost Bankers, Inc. (CFR) for FY2025, with the revenue forecasts being adjusted by 0.23% over the past three months. During the same period, the stock price has changed by -9.28%.

Revenue Estimates for FY2025

Revise Upward

+0.23%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+0.51%

In Past 3 Month

Stock Price

Go Down

-9.28%

In Past 3 Month

10 Analyst Rating

1.72% Upside

Wall Street analysts forecast CFR stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CFR is 132.70 USD with a low forecast of 103.00 USD and a high forecast of 145.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

2 Buy

6 Hold

2 Sell

Hold

1.72% Upside

Current: 130.450

Low

103.00

Averages

132.70

High

145.00

1.72% Upside

Current: 130.450

Low

103.00

Averages

132.70

High

145.00

Barclays

Jared Shaw

Hold

Maintains

$130 → $135

2025-05-02

Reason

Barclays

Jared Shaw

Price Target

$130 → $135

2025-05-02

Maintains

Hold

Reason

Barclays raised the firm's price target on Cullen/Frost to $135 from $130 and keeps an Equal Weight rating on the shares. The company reported a good start to the year, with tailwinds on net interest margin and loan growth, the analyst tells investors in a research note.

Stephens & Co.

Matt Olney

Hold

Maintains

$138 → $141

2025-05-02

Reason

Stephens & Co.

Matt Olney

Price Target

$138 → $141

2025-05-02

Maintains

Hold

Reason

Stephens raised the firm's price target on Cullen/Frost to $141 from $138 and keeps an Equal Weight rating on the shares. Q1 results were highlighted by accelerating revenue trends as noninterest income and net interest income each exceeded consensus forecast, while the updated 2025 guidance reflects a more favorable revenue outlook while maintaining guidance for noninterest expense, implying incremental positive operating leverage, says the firm, which is increasing its 2026 EPS forecast by 2% to $9.39.

RBC Capital

Karl Shepard

Hold

Maintains

$147 → $140

2025-05-02

Reason

RBC Capital

Karl Shepard

Price Target

$147 → $140

2025-05-02

Maintains

Hold

Reason

RBC Capital lowered the firm's price target on Cullen/Frost to $140 from $147 and keeps a Sector Perform rating on the shares after its Q1 results. The company's fundamentals remained strong with solid loan growth, seasonal deposit trends, margin expansion, higher fees, and reasonable expense trends, the analyst tells investors in a research note. RBC adds that the outlook remains positive, with management slightly raising revenue and margin expectations for the full year.

Barclays

Jared Shaw

Hold

Initiates

$130

2025-04-01

Reason

Barclays

Jared Shaw

Price Target

$130

2025-04-01

Initiates

Hold

Reason

Barclays analyst Jared Shaw initiated coverage of Cullen/Frost with an Equal Weight rating and $130 price target. The bank possesses one of the strongest organic growth profiles in the group while also maintaining among the highest levels of both capital and liquidity, the analyst tells investors in a research note. However, the firm says Cullen/Frost's interest rate sensitivity profile and a "show-me story on expenses" add to the risk that the bank could see below-average earnings and capital growth over the next few years.

Morgan Stanley

Manan Gosalia

Sell

Maintains

$132 → $120

2025-03-13

Reason

Morgan Stanley

Manan Gosalia

Price Target

$132 → $120

2025-03-13

Maintains

Sell

Reason

Morgan Stanley lowered the firm's price target on Cullen/Frost to $120 from $132 and keeps an Underweight rating on the shares. The firm is reducing its estimates on Midcap Banks in North America under its coverage given higher uncertainty and slower economic growth outlook, the analyst tells investors. Trade and tariff policy changes are occurring sooner and more forcefully than previously anticipated, Morgan Stanley states. Additionally, the firm notes a slower pace of economic growth and higher level of policy uncertainty is a headwind for the sector, leading to many price target cuts in the group.

Evercore ISI Group

John Pancari

Sell

Maintains

$136 → $144

2025-02-10

Reason

Evercore ISI Group

John Pancari

Price Target

$136 → $144

2025-02-10

Maintains

Sell

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Cullen/Frost Bankers Inc (CFR.N) is 14.01, compared to its 5-year average forward P/E of 15.02. For a more detailed relative valuation and DCF analysis to assess Cullen/Frost Bankers Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

15.02

Current PE

14.01

Overvalued PE

18.25

Undervalued PE

11.79

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

4.03

Current PS

3.70

Overvalued PS

4.87

Undervalued PS

3.19