CFR

Cullen/Frost Bankers Inc

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Advanced Chart

116.770

+1.490(+1.290%)

Overview
Forecast
Valuation

Line

Candle

YTD

High

117.150

Open

115.850

VWAP

116.50

Vol

379.48K

Mkt Cap

7.51B

Low

114.850

Amount

44.21M

EV/EBITDA(TTM)

15.52

Total Shares

64.25M

11.42B

EV/OCF(TTM)

6.37

P/S(TTM)

3.80

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

FY2025Q3

FY2025Q2

FY2025Q1

558.25M

+3.6%

2.292

+2.33%

548.31M

+3.69%

2.263

+2.38%

541.53M

+3.59%

2.170

+5.32%

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 0.41% over the past three months. During the same period, the stock price has changed by -15.87%.

Revenue Estimates for FY2025

Revise Upward

+0.41%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+2.96%

In Past 3 Month

Stock Price

Go Down

-15.87%

In Past 3 Month

9 Analyst Rating

18.18% 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 138.00 USD with a low forecast of 103.00 USD and a high forecast of 164.00 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

4 Hold

3 Sell

Hold

18.18% Upside

Current: 116.770

Low

103.00

Averages

138.00

High

164.00

18.18% Upside

Current: 116.770

Low

103.00

Averages

138.00

High

164.00

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

DA Davidson

Peter Winter

Strong Buy

Hold

Downgrades

$138 → $143

2025-02-03

Reason

DA Davidson

Peter Winter

Price Target

$138 → $143

2025-02-03

Downgrades

Strong Buy

Hold

Reason

Keefe, Bruyette & Woods

Catherine Mealor

Hold

Maintains

$140 → $148

2025-02-03

Reason

Keefe, Bruyette & Woods

Catherine Mealor

Price Target

$140 → $148

2025-02-03

Maintains

Hold

Reason

RBC Capital

Jon Arfstrom

Hold

Reiterates

$144

2025-01-31

Reason

RBC Capital

Jon Arfstrom

Price Target

$144

2025-01-31

Reiterates

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Cullen/Frost Bankers Inc (CFR.N) is 12.77, compared to its 5-year average forward P/E of 15.05. 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

15.05

Current PE

12.77

Overvalued PE

18.28

Undervalued PE

11.82

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

3.36

Overvalued PS

4.87

Undervalued PS

3.18