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Model output · Signal date 2026-10-13

Cullen/Frost Bankers, Inc. (CFR) Stock Forecast Oct. 13, 2026

Analysis updated on Oct. 13, 2026 (UTC) · Alpha · vs marketSwitch to Total · NYSE

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Rating · 90D ▼ Bearish Exact rating locked
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30-day forecast Alpha
Rank in coverage Bottom 35% of 5379 stocks scored
Rank correlation · 90D n/a No per-ticker sample yet
Market Cap $9.42B mid-cap · #17 of 60 peers
Summary

Cullen/Frost Bankers, Inc. (CFR) stock forecast summary

Our AI ranks Cullen/Frost Bankers, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

Cullen/Frost Bankers, Inc. is a mid-cap company with a market capitalization of $9.42B. It ranks number 17 by market capitalization among the 60 National Commercial Banks issuers in our coverage with a current forecast.

A per-ticker accuracy statistic for CFR is published only once its sample size is known. Across our coverage, the out-of-sample test on 4537 stocks from 2025-01-06 to 2026-06-09 produced a positive net return in 73.7% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.3%, buy ≥ +0.5%, sell < -0.5%, strong sell < -1.6% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-13 signals)

A free account shows the exact forecast, rating and rank of 3 tickers you follow, CFR included.

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Price

CFR price chart and AI forecast

CFR
Cross-section · 2026-10-13

How CFR ranks among 5379 stocks

90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).

Fundamentals

Cullen/Frost Bankers, Inc. (CFR) fundamentals

Trailing twelve months. The industry median and the rank (1 = highest) are taken over the National Commercial Banks peers listed below that report each metric.

Valuation & Market

MetricCFRIndustry medianRank
Market Cap $9.42B $2.66B 17/60
P/E Ratio 13.78x 11.48x 12/49
P/B Ratio 2.04x 1.23x 4/58
Dividend Yield 2.73% 2.94% 29/51
EPS $10.58 – –
Book Value/Share $74.38 – –
Revenue/Share $36.99 – –
FCF/Share $8.71 – –

Profitability & Margins

MetricCFRIndustry medianRank
ROE 14.8% 10.6% 8/55
ROA 1.3% 1.2% 21/55
Net Margin 29.7% 29.8% 29/55
EBT Margin 35.4% 37.5% 36/59
Tax Rate 15.9% – –

Financial Health

MetricCFRIndustry medianRank
D/E Ratio 10.66x 7.93x 6/59
Financial Leverage 11.66x 8.93x 6/59

Cash Flow

MetricCFRIndustry medianRank
Operating Cash Flow $720M $231M 17/58
Free Cash Flow $541M $187M 13/43
Capital Spending -$178M -$15M 40/43
OCF Growth YoY 232.9% 33.4% 3/53
FCF Growth YoY 529.7% 36.1% 3/41
FCF/Sales 23.6% 29.8% 33/43
CapEx/Sales 7.8% 2.6% 4/43

Operational Efficiency

MetricCFRIndustry medianRank
Asset Turnover 0.04x 0.04x 13/57
Fixed Assets Turnover 1.7x 4.5x 49/52

Income Statement

MetricCFRIndustry medianRank
Total Revenue $2.30B $694M 15/57
Net Income $683M $188M 15/54

Dividend & Shareholder Information

MetricCFRIndustry medianRank
Dividends Per Share $4.14 – –
Payout Ratio 39.1% 35.7% 18/50
Shares Outstanding 62M – –

Balance Sheet Highlights (USD millions)

Cash & Short-term Investments$6.47B12.0% of assets
Total Liabilities$49.26B91.4% of assets
Quarterly Financial Reports

CFR quarterly financials and insider trading

Industry Peers · National Commercial Banks

Cullen/Frost Bankers, Inc. (CFR) industry peers

Companies classified under the same SEC industry code as Cullen/Frost Bankers, Inc. (National Commercial Banks): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.

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Company 90-Day AI Forecast (Alpha) Market Cap P/E Ratio P/B Ratio
CFR Cullen/Frost Bankers, Inc. ▼ $9.42B 13.8x 2.0x
JPM Jpmorgan Chase & Co ▶ $881.00B 13.5x 2.4x
BAC Bank Of America Corp /De/ ▲ $377.33B 11.2x 1.3x
WFC Wells Fargo & Company/Mn ▼ $244.16B 10.8x 1.4x
C Citigroup Inc ▼ $217.84B 16.5x 1.1x
UBS Ubs Group Ag ▼ $159.89B – –
COF Capital One Financial Corp ▼ $121.51B 11.6x 1.1x
USB Us Bancorp \De\ ▼ $88.64B 10.9x 1.3x
PNC Pnc Financial Services Group, Inc. ▼ $87.56B 11.5x 1.4x
TFC Truist Financial Corp ▶ $56.10B 9.8x 0.9x
HBAN Huntington Bancshares Inc /Md/ ▶ $30.89B 14.4x 1.0x
MFG Mizuho Financial Group Inc ▼ $26.39B – –
RF Regions Financial Corp ▶ $23.01B 10.3x 1.2x
KEY Keycorp /New/ ▲ $21.25B 10.5x 1.2x
FHN First Horizon Corp ▶ $10.79B 10.2x 1.2x
UMBF Umb Financial Corp ▶ $9.88B 10.5x 1.2x
ONB Old National Bancorp /In/ ▲ $9.51B 12.9x 1.2x
ZION Zions Bancorporation, National Association /Ut/ ▲ $9.08B 7.8x 1.2x
BOKF Bok Financial Corp ▶ $7.58B 11.7x 1.3x
VLY Valley National Bancorp ▲ $6.92B 10.0x 0.9x
FNB Fnb Corp/Pa/ ▶ $6.02B 10.0x 0.9x
FULT Fulton Financial Corp ▶ $4.19B 10.6x 1.2x
WSFS Wsfs Financial Corp ▶ $3.86B 12.1x 1.5x
BANF Bancfirst Corp /Ok/ ▶ $3.59B 14.2x 1.8x
WSBC Wesbanco Inc ▶ $3.52B – 0.9x
NIC Nicolet Bankshares Inc ▼ $3.42B 22.2x 1.5x
FFBC First Financial Bancorp /Oh/ ▶ $3.25B 11.4x 1.1x
SFNC Simmons First National Corp ▶ $3.20B – 0.9x
PRK Park National Corp /Oh/ ▶ $3.17B 16.7x 1.9x
BANC Banc Of California, Inc. ▲ $2.71B – 0.8x
NBTB Nbt Bancorp Inc ▶ $2.61B 12.2x 1.7x
TRMK Trustmark Corp ▶ $2.59B 11.1x 1.2x
FRME First Merchants Corp ▶ $2.46B 12.7x 0.9x
WAFD Wafd Inc ▶ $2.17B 8.5x 0.7x
NWBI Northwest Bancshares, Inc. ▶ $2.15B 14.1x 1.1x
TBBK Bancorp, Inc. ▲ $2.03B 7.0x 2.9x
FCF First Commonwealth Financial Corp /Pa/ ▶ $2.02B 12.0x 1.3x
CHCO City Holding Co ▶ $1.96B 14.9x 2.4x
FSUN Firstsun Capital Bancorp ▲ $1.79B – 1.5x
HOPE Hope Bancorp Inc ▲ $1.70B 13.0x 0.7x
DCOM Dime Commercial Bancshares, Inc. /Ny/ ▲ $1.70B 13.2x 1.1x
NBHC National Bank Holdings Corp ▲ $1.67B 17.0x 1.0x
BFC Bank First Corp ▶ $1.62B 20.0x 2.0x
OCFC Oceanfirst Financial Corp ▲ $1.55B – 0.9x
CASH Pathward Financial, Inc. ▶ $1.49B – 1.8x
BHRB Burke & Herbert Financial Services Corp. ▶ $1.40B – 1.2x
WABC Westamerica Bancorporation ▲ $1.36B 12.2x 1.6x
AMTB Amerant Bancorp Inc. ▲ $1.13B 20.1x 1.2x
FMCB Farmers & Merchants Bancorp ▲ $993M 10.3x 1.5x
CAC Camden National Corp ▲ $944M 10.6x 1.3x
HAFC Hanmi Financial Corp ▲ $916M 10.3x 1.1x
SMBK Smartfinancial Inc. ▲ $859M 15.0x 1.5x
ALRS Alerus Financial Corp ▲ $772M – 1.3x
FISI Financial Institutions Inc ▲ $765M 9.3x 1.3x
SHBI Shore Bancshares Inc ▲ $750M 11.3x 1.2x
BCAL California Bancorp \ Ca ▲ $688M 8.9x 1.2x
PFIS Peoples Financial Services Corp. ▲ $681M 12.0x 1.3x
CARE Carter Bankshares, Inc. ▲ $669M 5.2x 1.2x
CBNK Capital Bancorp Inc ▲ $631M 11.2x 1.5x
SFST Southern First Bancshares Inc ▲ $569M – 1.3x

Where CFR sits on the market map

Finance · National Commercial Banks
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News

Cullen/Frost Bankers, Inc. (CFR) stock news

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FAQ

Cullen/Frost Bankers, Inc. (CFR) stock forecast FAQ

What is the Cullen/Frost Bankers, Inc. (CFR) stock forecast?

Our AI ranks Cullen/Frost Bankers, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

How accurate are Cullen/Frost Bankers, Inc. stock predictions?

A per-ticker accuracy statistic for CFR is published only once its sample size is known. Across our coverage, the out-of-sample test on 4537 stocks from 2025-01-06 to 2026-06-09 produced a positive net return in 73.7% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

How often are Cullen/Frost Bankers, Inc. forecasts updated?

Cullen/Frost Bankers, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 13, 2026.

Which companies are Cullen/Frost Bankers, Inc.'s industry peers?

60 issuers in our coverage, CFR included, share the SEC industry code National Commercial Banks. The largest are: Jpmorgan Chase & Co (JPM), Bank Of America Corp /De/ (BAC), Wells Fargo & Company/Mn (WFC), Citigroup Inc (C), Ubs Group Ag (UBS), Capital One Financial Corp (COF).

This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.