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Company Analysis

Cullen/Frost Bankers, Inc. CFR

A comprehensive view of key metrics, scores, and financial health for Cullen/Frost Bankers, Inc.

Overview of Cullen/Frost Bankers, Inc.

CFR NYQ
Financial Services Banks - Regional Mid Cap
Cullen/Frost Bankers, Inc. (CFR), is a Mid Cap company, in the Banks - Regional industry, last closed at $132.13, about 45.5% overvalued vs fair value, +6.1% 1Y return, placing in the top 25% of its sector.
$132.13
-0.60%
As of March 13, 2026
Previous close • Vol 90d: 21.6%
52-Week Range
Market Cap
$8.35B
Enterprise Value
$-290.51M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.frostbank.com
HQ San Antonio, TX
Employees 6,008
Fiscal year Dec 31

Next Events

Earnings Apr 30 Estimated

Fair Value Snapshot

Bear Base Bull
$40
$72
$135
Current: $132.13 -46% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.4B
1.3%%
Interest Expense
$684.6M
Net Interest Income
$1.7B
8.2%%
Total Revenue
$2.2B
8.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
14.4%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$419.9M
66.1% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Cullen/Frost Bankers, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
81
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
86
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CFR's balance between Growth (11.0%), Profitability (45.2%), and Safety (43.8%). Growth 11% Safety 44% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

21th percentile vs peers
21
Key Signals
Asset Growth YoY 1.0% 27p Revenue CAGR 3Y 9.6% 21p Rev Growth YoY 8.3% 16p
Strengths
  • Roe in top 20% of peers (15.3%, 90th percentile)
  • Operating Margin in top 20% of peers (35.9%, 87th percentile)
  • Net Profit Margin in top 20% of peers (29.0%, 91th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (8.3%)
  • Growth below peer median (percentile: 21)

Profitability

86th percentile vs peers
86
Key Signals
Strengths
Risks
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Safety

83th percentile vs peers
84
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Cullen/Frost Bankers, Inc..

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This company cannot be valued using standard models.

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Bear
-
- - -
- upside
-
Base
$72.06
- - -
-45.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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