Cullen/Frost Bankers (CFR) Stock Price, News & Analysis

Company Overview

Cullen/Frost Bankers, Inc. is the holding company for Frost Bank, a Texas-chartered financial institution whose origins date back to 1868 in San Antonio. As one of the oldest banking organizations in the state, it offers a broad range of services to individuals, small and large businesses, and institutional clients. Core banking activities include commercial lending, deposit services, cash management and trade finance, while consumer products cover residential mortgages, personal lines of credit and home equity loans.

Beyond traditional banking, the company provides comprehensive treasury and equipment leasing solutions tailored to support working capital and capital expenditure requirements. Its wealth-management arm operates under the Frost Wealth Advisors and Frost Investment Advisors brands, delivering trust and estate administration, investment advisory, brokerage and retirement planning services. Additionally, the insurance subsidiary offers property and casualty, life and health coverage through a network of agents across the region.

Headquartered in San Antonio, Cullen/Frost Bankers maintains an extensive network of banking centers and loan-production offices throughout Texas, including Austin, Dallas–Fort Worth, Houston, El Paso, Midland–Odessa and the Rio Grande Valley. This regional footprint allows the company to develop close client relationships and customize offerings to local market conditions while leveraging centralized operational support.

The company’s long history reflects a commitment to community engagement and responsible governance, with philanthropic efforts focused on education, the arts and economic development across its service areas. Oversight is provided by a board of directors and an experienced executive management team with deep expertise in banking and financial services.

Key Stats

• Today's Range: $119.00 to $126.99
• 50-Day Range: $122.03 to $132.26
• 52-Week Range: $100.31 to $147.64
• Volume: 1.08 million shs
• Average Volume: 432,255 shs
• Market Capitalization: $7.76 billion
• P/E Ratio: 12.99
• Dividend Yield: 3.32%
• Price Target: $137.62
• Consensus Rating: Hold

Cullen/Frost Bankers Stock Analysis - MarketRank™

Cullen/Frost Bankers scored higher than 91% of companies evaluated by MarketBeat, and ranked 163rd out of 945 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.3 / 5
• Analyst Rating: Hold

Consensus Rating

Cullen/Frost Bankers has received a consensus rating of Hold. The company's average rating score is 2.07, and is based on 2 buy ratings, 9 hold ratings, and 3 sell ratings.

Upside Potential

Cullen/Frost Bankers has a consensus price target of $137.62, representing about 15.4% upside from its current price of $119.23.

Amount of Analyst Coverage

Cullen/Frost Bankers has been the subject of 8 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 0.68%

Earnings Growth

Earnings for Cullen/Frost Bankers are expected to grow by 0.68% in the coming year, from $8.85 to $8.91 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Cullen/Frost Bankers is 12.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.20.

Price to Earnings Ratio vs. Sector

The P/E ratio of Cullen/Frost Bankers is 12.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.77.

Price to Earnings Growth Ratio

Cullen/Frost Bankers has a PEG Ratio of 3.13. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

Cullen/Frost Bankers has a P/B Ratio of 2.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.33% of the float of Cullen/Frost Bankers has been sold short.

Short Interest Ratio / Days to Cover

Cullen/Frost Bankers has a short interest ratio ("days to cover") of 6.3.

Change versus previous month

Short interest in Cullen/Frost Bankers has recently increased by 1.96%, indicating that investor sentiment is decreasing.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Cullen/Frost Bankers pays a meaningful dividend of 3.19%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Cullen/Frost Bankers has been increasing its dividend for 32 years.

Dividend Coverage

The dividend payout ratio of Cullen/Frost Bankers is 43.06%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Cullen/Frost Bankers will have a dividend payout ratio of 44.89% next year. This indicates that Cullen/Frost Bankers will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.5 / 5
• Environmental Score: -0.52

Percentage of Shares Shorted

4.33% of the float of Cullen/Frost Bankers has been sold short.

Short Interest Ratio / Days to Cover

Cullen/Frost Bankers has a short interest ratio ("days to cover") of 6.3.

Change versus previous month

Short interest in Cullen/Frost Bankers has recently increased by 1.96%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.92

News Sentiment

Cullen/Frost Bankers has a news sentiment score of 0.92. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 19 news articles for Cullen/Frost Bankers this week, compared to 9 articles on an average week.

MarketBeat Follows

Only 1 people have added Cullen/Frost Bankers to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Cullen/Frost Bankers insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 2.89% of the stock of Cullen/Frost Bankers is held by insiders.

Percentage Held by Institutions

86.90% of the stock of Cullen/Frost Bankers is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CFR Stock Analysis - Frequently Asked Questions

How have CFR shares performed this year?

Cullen/Frost Bankers' stock was trading at $134.25 at the beginning of the year. Since then, CFR shares have decreased by 11.2% and is now trading at $119.23.

How were Cullen/Frost Bankers' earnings last quarter?

Cullen/Frost Bankers, Inc. (NYSE:CFR) announced its quarterly earnings results on Thursday, July, 31st. The bank reported $2.39 earnings per share for the quarter, beating analysts' consensus estimates of $2.28 by $0.11. The bank had revenue of $567.83 million for the quarter, compared to analysts' expectations of $552.04 million. Cullen/Frost Bankers had a trailing twelve-month return on equity of 15.46% and a net margin of 21.20%.
Read the conference call transcript.

Who are Cullen/Frost Bankers' major shareholders?

Top institutional investors of Cullen/Frost Bankers include Bartlett & CO. Wealth Management LLC (0.53%), Martin Capital Partners LLC (0.10%), Rowlandmiller & PARTNERS.ADV (0.08%) and Yousif Capital Management LLC (0.03%). Insiders that own company stock include Patrick B Frost, Paul Bracher, Phillip D Green, Bobby Berman, Candace K Wolfshohl, Chris Avery, Howard Willome John, Matthew Bradley Henson, Carol Jean Severyn, Howard L Kasanoff and Anthony R Chase.
View institutional ownership trends.

How do I buy shares of Cullen/Frost Bankers?

Shares of CFR stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Cullen/Frost Bankers own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Cullen/Frost Bankers investors own include American Water Works (AWK), Humana (HUM), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), DiamondRock Hospitality (DRH) and AUO (AUOTY).

Company Calendar

• Last Earnings: 7/31/2025
• Record date for 9/15 Dividend: 8/29/2025
• Ex-Dividend for 9/15 Dividend: 8/29/2025
• Dividend Payable: 9/15/2025
• Today: 10/16/2025
• Next Earnings (Estimated): 10/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:CFR
• CIK: 39263
• Web: www.frostbank.com
• Phone: (210) 220-4011
• Fax: 210-220-4325
• Employees: 5,854
• Year Founded: 1868

Price Target and Rating

• Average Price Target for Cullen/Frost Bankers: $137.62
• High Price Target: $149.00
• Low Price Target: $105.00
• Potential Upside/Downside: +15.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.07
• Research Coverage: 15 Analysts

Profitability

• EPS (Trailing Twelve Months): $9.29
• Trailing P/E Ratio: 12.83
• Forward P/E Ratio: 13.47
• P/E Growth: 3.13
• Net Income: $582.54 million
• Net Margins: 21.20%
• Pretax Margin: 25.23%
• Return on Equity: 15.46%
• Return on Assets: 1.18%

Debt

• Debt-to-Equity Ratio: 0.05
• Current Ratio: 0.64
• Quick Ratio: 0.64

Sales & Book Value

• Annual Sales: $2.14 billion
• Price / Sales: 3.58
• Cash Flow: $10.33 per share
• Price / Cash Flow: 11.54
• Book Value: $58.43 per share
• Price / Book: 2.04

Miscellaneous

• Outstanding Shares: 64,325,000
• Free Float: 62,466,000
• Market Cap: $7.67 billion
• Optionable: Optionable
• Beta: 0.71