Cullen/Frost Bankers, Inc. (CFR) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $138.23, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Texas (all operations); Concentration risk — Loan Portfolio: uninsured deposits (~52% of total deposits) (52.0%).
Cullen/Frost Bankers is a Texas-focused financial holding company providing commercial and consumer banking, wealth management, and insurance through Frost Bank's ~204 branches exclusively across Texas (Austin, Dallas, Fort Worth, Gulf Coast, Houston, Permian Basin, San... Read more
Hold if already holding. Not a fresh buy at $138.23, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Texas (all operations); Concentration risk — Loan Portfolio: uninsured deposits (~52% of total deposits) (52.0%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 71d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Recent Developments — Cullen/Frost Bankers, Inc.
Latest news
- Frost Bank (CFR) Price Action | Q4 2025: Better Than Expected - Earnings Risk - Cổng thông tin điện tử tỉnh Tây Ninh — Cổng thông tin điện tử tỉnh Tây Ninh positive
- Net income from continuing operations of Cullen/Frost Bankers, Inc. – NYSE:CFR - TradingView — Track All Markets — TradingView — Track All Markets neutral
- Why Cullen/Frost Bankers (CFR) is a Top Dividend Stock for Your Portfolio - Yahoo Finance — Yahoo Finance positive
- Barclays Raises Price Target for Cullen/Frost Bankers (CFR) to $155 | CFR Stock News - GuruFocus — GuruFocus positive
- Cullen/Frost Bankers (NYSE:CFR) Price Target Raised to $155.00 at Barclays - MarketBeat — MarketBeat positive
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicTexas (all operations)10-K Item 1: 'primarily engaged in the business of commercial and consumer banking through approximately 204 financial centers across Texas'
- MEDIUMloan_portfoliocommercial real estate mortgage loans (~47.1% of loan portfolio)47%10-K Item 1A: 'commercial real estate mortgage loans comprised approximately 47.1% of our loan portfolio'
- HIGHloan_portfoliouninsured deposits (~52% of total deposits)52%10-K Item 1A: 'approximately 52% of our deposits were uninsured and we rely on these deposits for liquidity'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $138.23, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Texas (all operations); Concentration risk — Loan Portfolio: uninsured deposits (~52% of total deposits) (52.0%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $144.38 (+4.4%), stop $131.81 (−4.9%), A.R:R -0.4:1. Score 5.7/10, moderate confidence.
Take-profit target: $144.38 (+4.4% upside). Target $144.38 (+4.4%), stop $131.81 (−4.9%), A.R:R -0.4:1. Stop-loss: $131.81.
Concentration risk — Geographic: Texas (all operations); Concentration risk — Loan Portfolio: uninsured deposits (~52% of total deposits) (52.0%); Analyst target reached - limited upside remaining.
Cullen/Frost Bankers, Inc. trades at a P/E of 13.4 (forward 12.5). TrendMatrix value score: 6.6/10. Verdict: Hold.
19 analysts cover CFR with a consensus score of 3.3/5. Average price target: $151.
What does Cullen/Frost Bankers, Inc. do?Cullen/Frost Bankers is a Texas-focused financial holding company providing commercial and consumer banking, wealth...
Cullen/Frost Bankers is a Texas-focused financial holding company providing commercial and consumer banking, wealth management, and insurance through Frost Bank's ~204 branches exclusively across Texas (Austin, Dallas, Fort Worth, Gulf Coast, Houston, Permian Basin, San Antonio). Total assets of $53.0B at Dec 31, 2025; total deposits of $43.3B.