Cullen/Frost Bankers Inc (CFR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Cullen/Frost Bankers Inc stock (CFR) is currently trading at $135.33. Cullen/Frost Bankers Inc PE ratio is 13.59. Cullen/Frost Bankers Inc PS ratio (Price-to-Sales) is 3.89. Analyst consensus price target for CFR is $146.60. WallStSmart rates CFR as Moderate Buy.
- CFR PE ratio analysis and historical PE chart
- CFR PS ratio (Price-to-Sales) history and trend
- CFR intrinsic value — DCF, Graham Number, EPV models
- CFR stock price prediction 2025 2026 2027 2028 2029 2030
- CFR fair value vs current price
- CFR insider transactions and insider buying
- Is CFR undervalued or overvalued?
- Cullen/Frost Bankers Inc financial analysis — revenue, earnings, cash flow
- CFR Piotroski F-Score and Altman Z-Score
- CFR analyst price target and Smart Rating
Cullen/Frost Bankers Inc
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CFR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Cullen/Frost Bankers Inc (CFR)
CFR appears undervalued based on the Graham Formula, trading 28% below its estimated fair value of $202.37.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Cullen/Frost Bankers Inc (CFR) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Overall metrics suggest strong investment potential with favorable risk/reward.
Cullen/Frost Bankers Inc (CFR) Key Strengths (6)
Keeps $35 of every $100 in revenue after operating costs
Keeps $30 of every $100 in revenue as net profit
88.64% of shares held by major funds and institutions
Trading at 1.89x book value, attractively priced
Mid-cap company balancing growth potential with stability
Solid profitability: $15 profit per $100 equity
Supporting Valuation Data
Cullen/Frost Bankers Inc (CFR) Areas to Watch (4)
Paying a premium for growth, expensive relative to earnings expansion
Modest revenue growth at 9.50%
Modest earnings growth at 8.50%
Revenue is fairly priced at 3.89x sales
Cullen/Frost Bankers Inc (CFR) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.7/10) while 4 fall into concern territory (avg 4.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.89) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 15.30%, Operating Margin at 34.50%, Profit Margin at 29.60%.
The Bear Case
The primary concerns are PEG Ratio, Revenue Growth, EPS Growth. Some valuation metrics including PEG Ratio (2.19), Price/Sales (3.89) suggest expensive pricing. Growth concerns include Revenue Growth at 9.50%, EPS Growth at 8.50%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 15.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 9.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (PEG Ratio, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CFR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CFR's Price-to-Sales ratio of 3.89x sits near its historical average of 4.19x (41th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 35% below its historical high of 6x set in May 2018, and 38% above its historical low of 2.81x in Jan 2016.
WallStSmart Analysis Synopsis
Data-driven financial summary for Cullen/Frost Bankers Inc (CFR) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Cullen/Frost Bankers Inc is a mature, profitable business with steady cash generation. Revenue reached 2.2B with 10% growth year-over-year. Profit margins are strong at 29.6%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 29.6% and operating margin of 34.5% demonstrate strong pricing power and operational efficiency.
Generating 138M in free cash flow and 181M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Cullen/Frost Bankers Inc.
Bottom Line
Cullen/Frost Bankers Inc is a well-established business delivering consistent profitability with 29.6% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Cullen/Frost Bankers Inc(CFR)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Cullen / Frost Bankers, Inc. is the banking holding company for Frost Bank offering commercial and consumer banking services in Texas. The company is headquartered in San Antonio, Texas.