Cullen/Frost Bankers Stock: A Deep Dive Into Analyst Perspectives (5 Ratings)
Benzinga Insights 9 months ago
Analyst Ratings
In the last three months, 5 analysts have published ratings on Cullen/Frost Bankers (NYSE:CFR), offering a diverse range of perspectives from bullish to bearish.
The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 0 | 2 | 3 | 0 | 0 |
| Last 30D | 0 | 1 | 2 | 0 | 0 |
| 1M Ago | 0 | 1 | 0 | 0 | 0 |
| 2M Ago | 0 | 0 | 1 | 0 | 0 |
| 3M Ago | 0 | 0 | 0 | 0 | 0 |
Analysts have set 12-month price targets for Cullen/Frost Bankers, revealing an average target of $150.0, a high estimate of $160.00, and a low estimate of $140.00. This upward trend is apparent, with the current average reflecting a 2.88% increase from the previous average price target of $145.80.
Deciphering Analyst Ratings: An In-Depth Analysis
In examining recent analyst actions, we gain insights into how financial experts perceive Cullen/Frost Bankers. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Jared Shaw | Barclays | Raises | Equal-Weight | $150.00 | $140.00 |
| Jon G. Arfstrom | RBC Capital | Raises | Sector Perform | $150.00 | $144.00 |
| Catherine Mealor | Keefe, Bruyette & Woods | Raises | Outperform | $160.00 | $150.00 |
| Catherine Mealor | Keefe, Bruyette & Woods | Maintains | Outperform | $150.00 | $150.00 |
| Jared Shaw | Barclays | Lowers | Equal-Weight | $140.00 | $145.00 |
Key Insights:
- Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Cullen/Frost Bankers. This insight gives a snapshot of analysts' perspectives on the current state of the company.
- Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Cullen/Frost Bankers compared to the broader market.
- Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Cullen/Frost Bankers's stock. This examination reveals shifts in analysts' expectations over time.
To gain a panoramic view of Cullen/Frost Bankers's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
Stay up to date on Cullen/Frost Bankers analyst ratings.
Get to Know Cullen/Frost Bankers Better
Cullen/Frost is a regional US bank with around $53 billion in assets (as of September 2025), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based approach to banking that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through branch openings. The bank's sweet spot is small to medium-size Texas-based commercial clients.
Understanding the Numbers: Cullen/Frost Bankers's Finances
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
Revenue Growth: Cullen/Frost Bankers displayed positive results in 3M. As of 30 September, 2025, the company achieved a solid revenue growth rate of approximately 9.47%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Cullen/Frost Bankers's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 30.15%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Cullen/Frost Bankers's ROE excels beyond industry benchmarks, reaching 4.09%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): Cullen/Frost Bankers's ROA stands out, surpassing industry averages. With an impressive ROA of 0.33%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: Cullen/Frost Bankers's debt-to-equity ratio is below the industry average. With a ratio of 0.05, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
The Core of Analyst Ratings: What Every Investor Should Know
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
This article was generated by Benzinga's automated content engine and reviewed by an editor.