Cullen/Frost Bankers, Inc. (CFR) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $145.26 — A.R:R is negative (-1.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and industrial, energy, construction and commercial real estate mortgage loans (80.9%).
Cullen/Frost Bankers is a Texas-focused financial holding company with $53.0 billion in total assets, operating Frost Bank through approximately 204 financial centers across Austin, Dallas, Fort Worth, Houston, and other Texas markets. Revenue is generated primarily from... Read more
Sell if holding. Analyst target reached at $145.26 — A.R:R is negative (-1.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and industrial, energy, construction and commercial real estate mortgage loans (80.9%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.3/10, moderate confidence.
Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity no date, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfoliocommercial and industrial, energy, construction and commercial real estate mortgage loans81%10-K Item 1A: 'approximately 80.9% of our loan portfolio consisted of commercial and industrial, energy, construction and commercial real estate mortgage loans'
- MEDIUMloan_portfoliocommercial real estate mortgage loans47%10-K Item 1A: 'commercial real estate mortgage loans comprised approximately 47.1% of our loan portfolio'
Material Events(8-K, last 90d)
- 2026-01-30Item 5.02LOWDr. Chris Avery retiring from Board at 2026 Annual Meeting (April 29, 2026); Marsha M. Shields and Jeffrey M. Rummel elected as new independent directors effective January 28, 2026. Board expanded from 13 to 15 members.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $145.26 — A.R:R is negative (-1.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and industrial, energy, construction and commercial real estate mortgage loans (80.9%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $139.13. Score 5.3/10, moderate confidence.
Take-profit target: $142.99 (-1.3% upside). Prior stop was $139.13. Stop-loss: $139.13.
Concentration risk — Loan Portfolio: commercial and industrial, energy, construction and commercial real estate mortgage loans (80.9%); Analyst target reached - limited upside remaining; Near 52-week high (2.8% away).
Cullen/Frost Bankers, Inc. trades at a P/E of 14.4 (forward 13.4). TrendMatrix value score: 6.5/10. Verdict: Sell.
19 analysts cover CFR with a consensus score of 3.3/5. Average price target: $147.
What does Cullen/Frost Bankers, Inc. do?Cullen/Frost Bankers is a Texas-focused financial holding company with $53.0 billion in total assets, operating Frost...
Cullen/Frost Bankers is a Texas-focused financial holding company with $53.0 billion in total assets, operating Frost Bank through approximately 204 financial centers across Austin, Dallas, Fort Worth, Houston, and other Texas markets. Revenue is generated primarily from commercial and consumer loans, deposits, and wealth management services.