Is CullenFrost Bankers Stock a Good Investment?
CullenFrost Bankers Investment Advice | CFR |
- Examine CullenFrost Bankers' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research CullenFrost Bankers' leadership team and their track record. Good management can help CullenFrost Bankers navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact CullenFrost Bankers' business and its evolving consumer preferences.
- Compare CullenFrost Bankers' performance and market position to its competitors. Analyze how CullenFrost Bankers is positioned in terms of product offerings, innovation, and market share.
- Check if CullenFrost Bankers pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about CullenFrost Bankers' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in CullenFrost Bankers stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if CullenFrost Bankers is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Solid | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Very Small | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine CullenFrost Bankers Stock
Researching CullenFrost Bankers' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 85.0% of the company shares are held by institutions such as insurance companies. The book value of CullenFrost Bankers was currently reported as 61.74. The company recorded earning per share (EPS) of 9.1. CullenFrost Bankers last dividend was issued on the 30th of May 2025. The entity had 2:1 split on the 23rd of June 1999.
To determine if CullenFrost Bankers is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding CullenFrost Bankers' research are outlined below:
| CullenFrost Bankers is unlikely to experience financial distress in the next 2 years | |
| CullenFrost Bankers has a poor financial position based on the latest SEC disclosures | |
| Over 85.0% of the company shares are held by institutions such as insurance companies | |
| On 13th of June 2025 CullenFrost Bankers paid $ 1.0 per share dividend to its current shareholders | |
| Latest headline from forexlive.com: Central Bankers, SP Global, ISM PMI, JOLTS all on the schedule |
CullenFrost Bankers Quarterly Cost Of Revenue |
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CullenFrost Bankers uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in CullenFrost Bankers. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to CullenFrost Bankers' previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of April 2024 Upcoming Quarterly Report | View | |
| 25th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact CullenFrost Bankers' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises CullenFrost Bankers' investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2003-07-23 | 2003-06-30 | 0.59 | 0.65 | 0.06 | 10 | ||
1999-10-19 | 1999-09-30 | 0.44 | 0.5 | 0.06 | 13 | ||
2002-07-23 | 2002-06-30 | 0.54 | 0.61 | 0.07 | 12 | ||
2010-01-27 | 2009-12-31 | 0.75 | 0.66 | -0.09 | 12 | ||
2001-04-18 | 2001-03-31 | 0.53 | 0.42 | -0.11 | 20 | ||
2018-01-25 | 2017-12-31 | 1.4 | 1.59 | 0.19 | 13 | ||
2022-01-27 | 2021-12-31 | 1.34 | 1.54 | 0.2 | 14 | ||
2023-10-26 | 2023-09-30 | 2.15 | 2.38 | 0.23 | 10 |
CullenFrost Bankers Target Price Consensus
CullenFrost target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. CullenFrost Bankers' target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 13 | Hold |
Most CullenFrost analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand CullenFrost stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of CullenFrost Bankers, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationCullenFrost Bankers Target Price Projection
CullenFrost Bankers' current and average target prices are 136.19 and 131.64, respectively. The current price of CullenFrost Bankers is the price at which CullenFrost Bankers is currently trading. On the other hand, CullenFrost Bankers' target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
CullenFrost Bankers Market Quote on 3rd of July 2025
Target Price
Analyst Consensus On CullenFrost Bankers Target Price
CullenFrost Bankers Analyst Ratings
CullenFrost Bankers' analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about CullenFrost Bankers stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of CullenFrost Bankers' financials, market performance, and future outlook by experienced professionals. CullenFrost Bankers' historical ratings below, therefore, can serve as a valuable tool for investors.Know CullenFrost Bankers' Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as CullenFrost Bankers is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading CullenFrost Bankers backward and forwards among themselves. CullenFrost Bankers' institutional investor refers to the entity that pools money to purchase CullenFrost Bankers' securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Dimensional Fund Advisors, Inc. | 2025-03-31 | 1.1 M | Northern Trust Corp | 2025-03-31 | 1.1 M | Hhg Plc | 2025-03-31 | 837.9 K | Montrusco Bolton Investments Inc | 2025-03-31 | 835.3 K | Principal Financial Group Inc | 2025-03-31 | 811.6 K | Jpmorgan Chase & Co | 2025-03-31 | 783.1 K | Vaughan Nelson Scarbrgh & Mccullough Lp | 2025-03-31 | 711.5 K | First Trust Advisors L.p. | 2025-03-31 | 667 K | Morgan Stanley - Brokerage Accounts | 2025-03-31 | 652.6 K | Vanguard Group Inc | 2025-03-31 | 6.3 M | Blackrock Inc | 2025-03-31 | 6.1 M |
CullenFrost Bankers' market capitalization trends
The company currently falls under 'Mid-Cap' category with a total capitalization of 8.64 B.CullenFrost Bankers' profitablity analysis
The company has Net Profit Margin of 0.29 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.35 %, which entails that for every 100 dollars of revenue, it generated $0.35 of operating income.Determining CullenFrost Bankers' profitability involves analyzing its financial statements and using various financial metrics to determine if CullenFrost Bankers is a good buy. For example, gross profit margin measures CullenFrost Bankers' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of CullenFrost Bankers' profitability and make more informed investment decisions.
Evaluate CullenFrost Bankers' management efficiency
CullenFrost Bankers has Return on Asset of 0.0118 % which means that on every $100 spent on assets, it made $0.0118 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1542 %, implying that it generated $0.1542 on every 100 dollars invested. CullenFrost Bankers' management efficiency ratios could be used to measure how well CullenFrost Bankers manages its routine affairs as well as how well it operates its assets and liabilities. At this time, CullenFrost Bankers' Total Assets are relatively stable compared to the past year. As of 07/03/2025, Non Current Assets Total is likely to grow to about 28.6 B, while Other Current Assets are likely to drop slightly above 7.3 B.The strategic decisions made by CullenFrost Bankers management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield 0.0311 | Forward Dividend Yield 0.0311 | Forward Dividend Rate 4 | Beta 0.668 |
Basic technical analysis of CullenFrost Stock
As of the 3rd of July, CullenFrost Bankers shows the Downside Deviation of 2.67, risk adjusted performance of 0.1109, and Mean Deviation of 1.48. CullenFrost Bankers technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm CullenFrost Bankers downside deviation, jensen alpha, as well as the relationship between the Jensen Alpha and downside variance to decide if CullenFrost Bankers is priced correctly, providing market reflects its regular price of 136.19 per share. Given that CullenFrost Bankers has jensen alpha of 0.0212, we suggest you to validate CullenFrost Bankers's prevailing market performance to make sure the company can sustain itself at a future point.CullenFrost Bankers' insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific CullenFrost Bankers insiders, such as employees or executives, is commonly permitted as long as it does not rely on CullenFrost Bankers' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases CullenFrost Bankers insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
CullenFrost Bankers' Outstanding Corporate Bonds
CullenFrost Bankers issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. CullenFrost Bankers uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most CullenFrost bonds can be classified according to their maturity, which is the date when CullenFrost Bankers has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| BNP Paribas FRN Corp BondUSF1R15XK367 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View |
Understand CullenFrost Bankers' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing CullenFrost Bankers' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1109 | |||
| Market Risk Adjusted Performance | 0.1328 | |||
| Mean Deviation | 1.48 | |||
| Semi Deviation | 2.55 | |||
| Downside Deviation | 2.67 | |||
| Coefficient Of Variation | 1515.68 | |||
| Standard Deviation | 2.4 | |||
| Variance | 5.76 | |||
| Information Ratio | 0.018 | |||
| Jensen Alpha | 0.0212 | |||
| Total Risk Alpha | (0.01) | |||
| Sortino Ratio | 0.0162 | |||
| Treynor Ratio | 0.1228 | |||
| Maximum Drawdown | 14.9 | |||
| Value At Risk | (3.74) | |||
| Potential Upside | 3.32 | |||
| Downside Variance | 7.11 | |||
| Semi Variance | 6.49 | |||
| Expected Short fall | (1.55) | |||
| Skewness | (1.06) | |||
| Kurtosis | 7.33 |
| Risk Adjusted Performance | 0.1109 | |||
| Market Risk Adjusted Performance | 0.1328 | |||
| Mean Deviation | 1.48 | |||
| Semi Deviation | 2.55 | |||
| Downside Deviation | 2.67 | |||
| Coefficient Of Variation | 1515.68 | |||
| Standard Deviation | 2.4 | |||
| Variance | 5.76 | |||
| Information Ratio | 0.018 | |||
| Jensen Alpha | 0.0212 | |||
| Total Risk Alpha | (0.01) | |||
| Sortino Ratio | 0.0162 | |||
| Treynor Ratio | 0.1228 | |||
| Maximum Drawdown | 14.9 | |||
| Value At Risk | (3.74) | |||
| Potential Upside | 3.32 | |||
| Downside Variance | 7.11 | |||
| Semi Variance | 6.49 | |||
| Expected Short fall | (1.55) | |||
| Skewness | (1.06) | |||
| Kurtosis | 7.33 |
Consider CullenFrost Bankers' intraday indicators
CullenFrost Bankers intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of CullenFrost Bankers stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
CullenFrost Bankers time-series forecasting models is one of many CullenFrost Bankers' stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary CullenFrost Bankers' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.
CullenFrost Stock media impact
There is far too much social signal, news, headlines, and media speculation about CullenFrost Bankers that are available to investors today. This information is accessible both publicly - through CullenFrost Bankers' media outlets and privately, via word of mouth or internal channels. However, regardless of the source, the sheer volume of CullenFrost-related data is difficult to distill into actionable insights, especially for investors who are not well-versed in the rapidly evolving tools and techniques of investment management.
A primary focus of CullenFrost Bankers news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of CullenFrost Bankers relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to CullenFrost Bankers' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive CullenFrost Bankers alpha.
CullenFrost Bankers Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards CullenFrost Bankers can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
CullenFrost Bankers Historical Investor Sentiment
Investor biases related to CullenFrost Bankers' public news can be used to forecast risks associated with an investment in CullenFrost. The trend in average sentiment can be used to explain how an investor holding CullenFrost can time the market purely based on public headlines and social activities around CullenFrost Bankers. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
CullenFrost Bankers' market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for CullenFrost Bankers and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average CullenFrost Bankers news discussions. The higher the estimate score, the more favorable the investor's outlook on CullenFrost Bankers.
CullenFrost Bankers Maximum Pain Price Across August 15th 2025 Option Contracts
CullenFrost Bankers' options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of CullenFrost Bankers close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of CullenFrost Bankers' options.
CullenFrost Bankers Corporate Directors
| Samuel Dawson | Independent Director | Profile | |
| Cynthia Comparin | Independent Director | Profile | |
| David Haemisegger | Independent Director | Profile | |
| Ida Steen | Independent Director | Profile |
Additional Tools for CullenFrost Stock Analysis
When running CullenFrost Bankers' price analysis, check to measure CullenFrost Bankers' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CullenFrost Bankers is operating at the current time. Most of CullenFrost Bankers' value examination focuses on studying past and present price action to predict the probability of CullenFrost Bankers' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CullenFrost Bankers' price. Additionally, you may evaluate how the addition of CullenFrost Bankers to your portfolios can decrease your overall portfolio volatility.