CFR$123.04
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AI CFR Summary
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Powered by LiveAIOverall Analysis
BuyCullen/Frost Bankers, Inc. (CFR) exhibits solid fundamental strengths with consistent profitability and a robust balance sheet. While its valuation is in line with historical averages, recent technical indicators suggest some short-term headwinds. The company's position in community banking and its dividend yield make it an attractive option for income-focused investors, although economic sensitivity should be considered.
Thematic
As a regional bank, CFR is influenced by broader economic themes such as interest rate environments, regional economic growth, and regulatory changes. Its focus on Texas markets provides a degree of localized strength but also exposes it to regional economic fluctuations.
Fundamental
Cullen/Frost Bankers, Inc. demonstrates strong profitability with healthy net margins and consistent revenue growth. Its balance sheet is well-capitalized with substantial cash reserves, and it maintains a prudent level of debt. The company also provides a reliable dividend yield.
Technical
The stock shows a mixed technical picture. While it is trading above key long-term moving averages, recent short-term performance and some oscillator readings suggest a potential for consolidation or a slight downturn before further upward movement.
| Factor | Score |
|---|---|
| Interest Rate Sensitivity | 70 |
| Regional Economic Growth (Texas) | 80 |
| Digital Transformation in Banking | 60 |
| Regulatory Landscape | 50 |
| Community Banking Focus | 75 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 85 |
| Growth | 60 |
| Balance Sheet Health | 95 |
| Cash Flow | 65 |
| Dividend Yield | 75 |
| Factor | Score |
|---|---|
| Trend Analysis | 55 |
| Momentum | 65 |
| Volume Confirmation | 60 |
| Support & Resistance | 65 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beat
The company has exceeded earnings per share (EPS) estimates for the last five reported quarters, indicating a consistent ability to perform better than anticipated.
Growing Dividend Payout
The company has a history of increasing its dividend payouts, with the last payment of $1.00 on 2025-06-20, suggesting a commitment to returning value to shareholders.
Bearish Points (7)
High Quarterly P/E Ratio
The Price-to-Earnings (P/E) ratio for the latest quarter (2025Q1) is 52.9, which is significantly higher than the trailing twelve months (TTM) P/E of 19.2, suggesting potential overvaluation based on recent performance.
Bearish Moving Average Signals
Several longer-term moving averages (e.g., 200-day SMA at 135.91) are indicating 'Sell', suggesting a potential downtrend or resistance at current price levels.
Calendar
May 2025
30
Ex-Dividend Date
June 2025
13
Next Dividend Date
July 2025
31
Next Earnings Date
H: $2.42
A: $2.29
L: $2.19
H: 567.00M
A: 552.01M
L: 538.30M
Profile
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. The company was founded in 1868 and is headquartered in San Antonio, Texas.
Seasonals
Price Target
129.67 USD
The 39 analysts offering 1 year price forecasts for CFR have a max estimate of 145.00 and a min estimate of 105.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
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Headquartered in Houston, TX, Cadence Bank operates across the Southern US, directly competing with CFR in its primary geographic footprint.