Stocktoria
CULLEN/FROST BANKERS, INC. CFR
CULLEN/FROST BANKERS, INC. (CFR) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.62% (safety: safe). FY2025 revenue was $2.2B at a 29.0% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-05 | Evercore ISI Group | In-Line (main) |
| 2026-08-03 | TD Cowen | Buy (main) |
| 2026-07-31 | RBC Capital | Sector Perform (main) |
| 2026-07-31 | Stephens & Co. | Overweight (main) |
| 2026-07-31 | Keefe, Bruyette & Woods | Outperform (main) |
| 2026-07-15 | Cantor Fitzgerald | Neutral (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CFR | CULLEN/FROST BANKERS, INC. | 5/9 | — | 15 | +8.3% |
| BANC | BANC OF CALIFORNIA, INC. | 5/9 | — | 14 | -3.8% |
| WBS | WEBSTER FINANCIAL CORP | 7/9 | — | 12.1 | +11.9% |
| HBAN | HUNTINGTON BANCSHARES INC /MD/ | 5/9 | — | 16.3 | +6.4% |
| FHN | FIRST HORIZON CORP | 5/9 | — | 12.4 | +7.2% |
| CASH | PATHWARD FINANCIAL, INC. | 6/9 | — | 9.9 | +5.3% |
| CBU | COMMUNITY FINANCIAL SYSTEM, INC. | 6/9 | — | 16.8 | +9.6% |
All Finance, Insurance & Real Estate companies →
About CULLEN/FROST BANKERS, INC.
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, 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. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.
FAQ
Is CFR financially healthy?
CULLEN/FROST BANKERS, INC.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does CFR pay a dividend, and is it safe?
Yes. CULLEN/FROST BANKERS, INC. pays a dividend yielding about 2.62% with a 39.4% payout ratio, rated “safe” for safety.
How profitable is CFR?
In FY2025, CULLEN/FROST BANKERS, INC. had a net margin of 29.0% and a return on equity of 14.2%.
Is CFR overvalued or undervalued?
CULLEN/FROST BANKERS, INC. trades at about 16.9× trailing earnings — near its 10-year norm (10-year range 11.7×–20.9×, median 15.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CFR?
The average Wall-Street price target for CULLEN/FROST BANKERS, INC. is $169.50, about 0.9% above the recent price, from 14 analysts (consensus: hold).
Is CFR a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CULLEN/FROST BANKERS, INC.: a Piotroski F-score of 5/9, a P/E of about 15.0×, a dividend yield of 2.62%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.