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Cullen/Frost Bankers, Inc. (CFR) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Cullen/Frost Bankers, Inc.

CFRMarket cap $9.35BPrice $150.4

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs commercial and retail banks across Texas, serving businesses and families with loans, deposits, and wealth management. Survived every Texas oil bust since 1868 without a single acquisition-driven identity crisis.

In Bastion Portfolios?

52W Return+25%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+9%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+7%–

Rev CAGR (5y)+4%4

Earnings Forecast

EPS Growth Y+1+11%7

EPS Growth Y+2+5%5

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin0%7

Net Income Margin30%9

Free Cash Flow Margin24%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE16%7

ROA1%3

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)136

P/BV2.16

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%7

Dividend Yield2.7%7

Momentum

Short term

1 month return-8%3

3 month return-2%6

YTD return+21%8

Mid term

Price vs 52wHigh89%8

1 year return+21%7

Long term

3 year return+83%7

5 year return+42%5

Risk Shield

Price Risk

Beta0.85

Volatility21%9

Free Cash Flow

Free Cash Flow Margin24%9

Free Cash Flow Yield0.0%7

Quality

ROCE16%3

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CFRCullen/Frost Bankers

Revenue FY25$2.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+9%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+11%7

EPS growth, FY27E+5%5

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 7%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 9%/yr over the last 3 years and is set to keep growing around 7%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 5%/yr vs revenue 7%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE59 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%3

3-month return-2%6

YTD return+21%8

MID & LONG-TERM▾SCORE

% of 52-week high89%8

1-year return+21%7

3-year return+83%7

5-year return+42%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 21% over the past year, but 11% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+21%).

WATCH

Average long-term results. Multi-year returns are middling (+83% over three years and +42% over five), roughly average for the market.

Returns sit at the market level over three months (-2%).

WEAKNESSES

The stock is underperforming over the past month (-8%).

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Cullen/Frost Bankers, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

CFRCullen/Frost Bankers

Revenue FY25$2.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+9%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+11%7

EPS growth, FY27E+5%5

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 7%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 9%/yr over the last 3 years and is set to keep growing around 7%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 5%/yr vs revenue 7%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE59 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%3

3-month return-2%6

YTD return+21%8

MID & LONG-TERM▾SCORE

% of 52-week high89%8

1-year return+21%7

3-year return+83%7

5-year return+42%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 21% over the past year, but 11% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+21%).

WATCH

Average long-term results. Multi-year returns are middling (+83% over three years and +42% over five), roughly average for the market.

Returns sit at the market level over three months (-2%).

WEAKNESSES

The stock is underperforming over the past month (-8%).

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Cullen/Frost Bankers, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community