Cullenfrost Bankers Stock Analysis

CFR Stock  USD 122.60  0.04  0.03%   
CullenFrost Bankers is overvalued with Real Value of 111.57 and Target Price of 135.08. The main objective of CullenFrost Bankers stock analysis is to determine its intrinsic value, which is an estimate of what CullenFrost Bankers is worth, separate from its market price. There are two main types of CullenFrost Bankers' stock analysis: fundamental analysis and technical analysis.
The CullenFrost Bankers stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. CullenFrost Bankers is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, National Mourning Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. CullenFrost Stock trading window is adjusted to America/New York timezone.
  
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CullenFrost Stock Analysis Notes

About 87.0% of the company shares are held by institutions such as insurance companies. The book value of CullenFrost Bankers was currently reported as 58.46. The company has Price/Earnings To Growth (PEG) ratio of 1.92. CullenFrost Bankers recorded earning per share (EPS) of 8.86. The entity last dividend was issued on the 28th of February 2025. The firm had 2:1 split on the 23rd of June 1999. CullenFrost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. CullenFrost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas. CullenFrost Bankers operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 4553 people. For more info on CullenFrost Bankers please contact Philip Green at 210 220 4011 or go to https://www.frostbank.com.

CullenFrost Bankers Quarterly Total Revenue

536.34 Million

CullenFrost Bankers Investment Alerts

CullenFrost Bankers generated a negative expected return over the last 90 days
Over 87.0% of the company shares are held by institutions such as insurance companies
On 14th of March 2025 CullenFrost Bankers paid $ 0.95 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Central Bankers Move Slowly Through Fog of Trumps Trade Wars

CullenFrost Bankers Upcoming and Recent Events

25th of April 2024
Upcoming Quarterly Report
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25th of July 2024
Next Financial Report
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31st of March 2024
Next Fiscal Quarter End
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23rd of January 2025
Next Fiscal Year End
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31st of December 2023
Last Quarter Report
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31st of December 2023
Last Financial Announcement
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CullenFrost Largest EPS Surprises

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2003-07-23
2003-06-300.590.650.0610 
1999-10-19
1999-09-300.440.50.0613 
2002-07-23
2002-06-300.540.610.0712 
View All Earnings Estimates

CullenFrost Bankers Environmental, Social, and Governance (ESG) Scores

CullenFrost Bankers' ESG score is a quantitative measure that evaluates CullenFrost Bankers' performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of CullenFrost Bankers' operations that may have significant financial implications and affect CullenFrost Bankers' stock price as well as guide investors towards more socially responsible investments.

CullenFrost Stock Institutional Investors

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.2024-12-31
M
Northern Trust Corp2024-12-31
973.6 K
Montrusco Bolton Investments Inc2024-12-31
848.9 K
Jpmorgan Chase & Co2024-12-31
834 K
Principal Financial Group Inc2024-12-31
822.4 K
Hhg Plc2024-12-31
721.9 K
Bank Of New York Mellon Corp2024-12-31
611.7 K
Vaughan Nelson Scarbrgh & Mccullough Lp2024-12-31
596.6 K
Manufacturers Life Insurance Co2024-12-31
595.7 K
Vanguard Group Inc2024-12-31
6.4 M
Blackrock Inc2024-12-31
6.2 M
Note, although CullenFrost Bankers' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

CullenFrost Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 7.88 B.

CullenFrost Profitablity

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 0.37 %, which entails that for every 100 dollars of revenue, it generated $0.37 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed(0.03)(0.03)
Return On Assets 0.01  0.01 
Return On Equity 0.15  0.10 

Management Efficiency

CullenFrost Bankers has Return on Asset of 0.0113 % which means that on every $100 spent on assets, it made $0.0113 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.153 %, implying that it generated $0.153 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. As of 03/24/2025, Return On Tangible Assets is likely to drop to 0.01. In addition to that, Return On Capital Employed is likely to grow to -0.03. At this time, CullenFrost Bankers' Total Assets are relatively stable compared to the past year. As of 03/24/2025, Other Assets is likely to grow to about 37.3 B, though Non Currrent Assets Other are likely to grow to (17.3 B).
Last ReportedProjected for Next Year
Book Value Per Share 59.60  62.58 
Tangible Book Value Per Share 59.60  62.58 
Enterprise Value Over EBITDA(4.69)(4.46)
Price Book Value Ratio 2.25  1.56 
Enterprise Value Multiple(4.69)(4.46)
Price Fair Value 2.25  1.56 
Enterprise Value8.3 B8.7 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
0.031
Operating Margin
0.3671
Profit Margin
0.2915
Forward Dividend Yield
0.031
Beta
0.959

Technical Drivers

As of the 24th of March, CullenFrost Bankers shows the Standard Deviation of 1.55, mean deviation of 1.26, and Risk Adjusted Performance of (0.08). 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 standard deviation and value at risk to decide if CullenFrost Bankers is priced correctly, providing market reflects its regular price of 122.6 per share. Given that CullenFrost Bankers has information ratio of (0.06), 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 Price Movement Analysis

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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 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.

CullenFrost Bankers Predictive Daily 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 Corporate Filings

21st of March 2025
Other Reports
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13th of February 2025
Other Reports
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8K
12th of February 2025
Report filed with the SEC to announce major events that shareholders should know about
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F4
11th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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F4
7th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
6th of February 2025
Other Reports
ViewVerify
F4
3rd of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
30th of January 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

CullenFrost Bankers Forecast Models

CullenFrost Bankers' time-series forecasting models are one of many CullenFrost Bankers' stock analysis techniques aimed at predicting 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.

About CullenFrost Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how CullenFrost Bankers prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling CullenFrost shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as CullenFrost Bankers. By using and applying CullenFrost Stock analysis, traders can create a robust methodology for identifying CullenFrost entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.29  0.29 
Operating Profit Margin(0.65)(0.62)
Net Profit Margin 0.24  0.23 
Gross Profit Margin 0.53  0.47 

Current CullenFrost Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. CullenFrost analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. CullenFrost analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
135.08Hold14Odds
CullenFrost Bankers current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most CullenFrost analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand CullenFrost stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of CullenFrost Bankers, talking to its executives and customers, or listening to CullenFrost conference calls.
CullenFrost Analyst Advice Details

CullenFrost Stock Analysis Indicators

CullenFrost Bankers stock analysis indicators help investors evaluate how CullenFrost Bankers stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading CullenFrost Bankers shares will generate the highest return on investment. By understating and applying CullenFrost Bankers stock analysis, traders can identify CullenFrost Bankers position entry and exit signals to maximize returns.
Begin Period Cash Flow8.7 B
Long Term Debt222.8 M
Common Stock Shares Outstanding64.1 M
Total Stockholder Equity3.9 B
Tax Provision113.4 M
Quarterly Earnings Growth Y O Y0.52
Property Plant And Equipment Net1.2 B
Cash And Short Term Investments15.8 B
Cash722.9 M
Net Debt-722.9 M
50 Day M A135.4888
Other Operating Expenses2.1 B
Non Current Assets Total1.2 B
Forward Price Earnings14.0056
Stock Based Compensation19.8 M

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.