Cullen/Frost Bankers, Inc (CFR) Fair Value & Analysis
Financial Services · US · Market cap $9.1B
Cullen/Frost Bankers, Inc
CFR · US
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price +14.2% over the past month.
Price vs Fair Value (12 months)
12‑month range $116.21 – $154.04 · fair‑value band $100.70 – $167.83 · the $153.50 price screens above the $134.26 fair value. As of Jun 26, 2026.
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Cullen/Frost Bankers, Inc (CFR) currently trades at $153.50, while our model-based Fair Value estimate is $134.26 — implying the stock looks roughly 12.5% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Cullen/Frost Bankers, Inc generated revenue of $2.2B at a net margin of 30.0%. Revenue grew 7.8% year over year. It earns a return on equity of 15.5%. The balance sheet holds a net cash position of $4.1B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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, 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, trans…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Cullen/Frost Bankers, Inc reported revenue of $2.9B in FY2025 versus $1.4B in FY2021, a compound +20.3%/yr. Reported net income was $649M in FY2025, compounding +10.0%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.