Cullen/Frost Bankers (NYSE:CFR) 주식

CULLEN/FROST BANKERS INC

Cullen/Frost Bankers

Cullen/Frost is a regional US bank with around $50 billion in assets (as of 2024 year-end), 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.

Cullen/Frost Bankers Inc

CIE FINANCIERE RICHMN NEW by Compagnie Financiere Richemont AG

Compagnie Financiere Richemont SA

CONFORCE INTL INC by Conforce International, Inc.

CHINA AIRCRAFT LEASING GP by China Aircraft Leasing Group Holdings Ltd.

China Aircraft Leasing Group Holdings Ltd

Compagnie Financiere Richemont SA Warrants - Class A Richemont (29/11/2023)

COMPAGNIE FNCE RCH UN/ADR by Compagnie Financiere Richemont AG

ContraFect Corp

CONTRAFECT CORP by ContraFect Corporation

Cullen/Frost Bankers, Inc. Depositary Shares, each representing a 1/40th ownership interest in a share of 4.450% non-cumulative perpetual preferred stock, Series B

<p>6 analysts have shared their evaluations of Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) during the recent three months, expressing a mix of bullish and bearish perspectives.</p>
<p>The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">4</td>
<td align="right">2</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $128.5, a high estimate of $141.00, and a low estimate of $105.00. Observing a downward trend, the current average is 6.03% lower than the prior average price target of $136.75. </p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1747828819_0.png" alt="price target chart" /></p>
<h2>Exploring Analyst Ratings: An In-Depth Overview</h2>
<p>The standing of Cullen/Frost Bankers among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>David Chiaverini</td>
<td>Jefferies</td>
<td>Announces</td>
<td>Underperform</td>
<td>$105.00</td>
<td>-</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Lowers</td>
<td>Sector Perform</td>
<td>$140.00</td>
<td>$147.00</td>
</tr>
<tr>
<td>Matt Olney</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$141.00</td>
<td>$138.00</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$135.00</td>
<td>$130.00</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Announces</td>
<td>Equal-Weight</td>
<td>$130.00</td>
<td>-</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$120.00</td>
<td>$132.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Cullen/Frost Bankers. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Cullen/Frost Bankers compared to the broader market.</li>
<li><strong>Price Targets:</strong> Understanding forecasts, analysts offer estimates for Cullen/Frost Bankers's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
<p>Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Cullen/Frost Bankers's market standing. Stay informed and make well-considered decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/CFR/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Stay up to date on Cullen/Frost Bankers analyst ratings.</strong></a></p>
<h2>Delving into Cullen/Frost Bankers's Background</h2>
<p>Cullen/Frost is a regional US bank with around $50 billion in assets (as of 2024 year-end), 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.</p>
<h3>Unraveling the Financial Story of Cullen/Frost Bankers</h3>
<p><strong>Market Capitalization:</strong> Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.</p>
<p><strong>Positive Revenue Trend:</strong> Examining Cullen/Frost Bankers's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of <strong>7.74%</strong> as of 31 March, 2025, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.</p>
<p><strong>Net Margin:</strong> Cullen/Frost Bankers's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of <strong>27.36%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Cullen/Frost Bankers's ROE excels beyond industry benchmarks, reaching <strong>3.83%</strong>. This signifies robust financial management and efficient use of shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Cullen/Frost Bankers's ROA stands out, surpassing industry averages. With an impressive ROA of <strong>0.28%</strong>, the company demonstrates effective utilization of assets and strong financial performance.</p>
<p><strong>Debt Management:</strong> Cullen/Frost Bankers's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of <strong>0.06</strong>.</p>
<h2>Analyst Ratings: Simplified</h2>
<p>Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.</p>
<p>Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.</p>
<p><strong>Which Stocks Are Analysts Recommending Now?</strong></p>
<p>Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Click here to stay ahead of the market</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Analyst Ratings

Breaking Down Cullen/Frost Bankers: 6 Analysts Share Their Views

<p>Jefferies  analyst David Chiaverini   initiates coverage on Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Underperform rating and announces Price Target of $105.</p>


News

Price Target

Initiation

Jefferies Initiates Coverage On Cullen/Frost Bankers with Underperform Rating, Announces Price Target of $105

<p>RBC Capital  analyst Karl Shepard   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Sector Perform and lowers the price target from $147 to $140.</p>


RBC Capital Maintains Sector Perform on Cullen/Frost Bankers, Lowers Price Target to $140

<p>Stephens &amp; Co.  analyst Matt Olney   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Equal-Weight and raises the price target from $138 to $141.</p>


Stephens & Co. Maintains Equal-Weight on Cullen/Frost Bankers, Raises Price Target to $141

<p>Barclays  analyst Jared Shaw   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Equal-Weight and raises the price target from $130 to $135.</p>


Barclays Maintains Equal-Weight on Cullen/Frost Bankers, Raises Price Target to $135

<p>Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) reported quarterly earnings of $2.30 per share which beat the analyst consensus estimate of $2.17 by 5.99 percent. This is a 6.98 percent increase over earnings of $2.15 per share from the same period last year.  The company reported quarterly sales of $540.23 million which missed the analyst consensus estimate of $541.53 million by 0.24 percent.  This is a 7.74 percent increase over sales of $501.43 million the same period last year.</p>


Earnings

Earnings Beats

Earnings Misses

Cullen/Frost Bankers Q1 EPS $2.30 Beats $2.17 Estimate, Sales $540.23M Miss $541.53M Estimate

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Shares of banking companies are trading higher following President Trump's decision to implement a 90-day pause on reciprocal tariffs for all countries except China.

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Shares of banking companies are trading lower in response to President Trump's sweeping Liberation tariffs and retaliatory responses. The industry is now facing greater macroeconomic uncertainty and recession fears.

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<p>Providing a diverse range of perspectives from bullish to bearish, 6 analysts have published ratings on Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) in the last three months.</p>
<p>The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">4</td>
<td align="right">2</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>The 12-month price targets, analyzed by analysts, offer insights with an average target of $138.17, a high estimate of $148.00, and a low estimate of $120.00. Observing a 0.12% increase, the current average has risen from the previous average price target of $138.00. </p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1743516061_0.png" alt="price target chart" /></p>
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
<p>A comprehensive examination of how financial experts perceive Cullen/Frost Bankers is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Announces</td>
<td>Equal-Weight</td>
<td>$130.00</td>
<td>-</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$120.00</td>
<td>$132.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Raises</td>
<td>Underperform</td>
<td>$144.00</td>
<td>$136.00</td>
</tr>
<tr>
<td>Catherine Mealor</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$148.00</td>
<td>$140.00</td>
</tr>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Neutral</td>
<td>$143.00</td>
<td>$138.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$144.00</td>
<td>$144.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Cullen/Frost Bankers. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Cullen/Frost Bankers compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts navigate through adjustments in price targets, providing estimates for Cullen/Frost Bankers's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
<p>Capture valuable insights into Cullen/Frost Bankers's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/CFR/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Stay up to date on Cullen/Frost Bankers analyst ratings.</strong></a></p>
<h2>About Cullen/Frost Bankers</h2>
<p>Cullen/Frost is a regional US bank with around $50 billion in assets (as of 2024 year-end), 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.</p>
<h3>Understanding the Numbers: Cullen/Frost Bankers's Finances</h3>
<p><strong>Market Capitalization Analysis:</strong> Below industry benchmarks, the company's market capitalization reflects a smaller scale relative to peers. This could be attributed to factors such as growth expectations or operational capacity.</p>
<p><strong>Revenue Growth:</strong> Over the 3 months period, Cullen/Frost Bankers showcased positive performance, achieving a revenue growth rate of <strong>6.83%</strong> as of 31 December, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.</p>
<p><strong>Net Margin:</strong> Cullen/Frost Bankers's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of <strong>28.3%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Cullen/Frost Bankers's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive <strong>3.92%</strong> ROE, the company effectively utilizes shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Cullen/Frost Bankers's financial strength is reflected in its exceptional ROA, which exceeds industry averages. With a remarkable ROA of <strong>0.29%,</strong> the company showcases efficient use of assets and strong financial health.</p>
<p><strong>Debt Management:</strong> With a below-average debt-to-equity ratio of <strong>0.06</strong>, Cullen/Frost Bankers adopts a prudent financial strategy, indicating a balanced approach to debt management.</p>
<h2>How Are Analyst Ratings Determined?</h2>
<p>Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. </p>
<p>Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.</p>
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<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Assessing Cullen/Frost Bankers: Insights From 6 Financial Analysts

<p>Barclays  analyst Jared Shaw   initiates coverage on Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Equal-Weight rating and announces Price Target of $130.</p>


Barclays Initiates Coverage On Cullen/Frost Bankers with Equal-Weight Rating, Announces Price Target of $130

<p><strong>Cullen/Frost Bankers's</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) short percent of float has fallen 8.91% since its last report. The company recently reported that it has <strong>2.29 million shares sold short</strong>, which is 4.09% of all regular shares that are available for trading. Based on its trading volume, <strong>it would take traders 4.88 days to cover their short positions on average.</strong></p>
<h3>Why Short Interest Matters</h3>
<p>Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.</p>
<p>Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.</p>
<p><strong>See Also:</strong> <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage"><strong>List of the most shorted stocks</strong></a></p>
<h3>Cullen/Frost Bankers Short Interest Graph (3 Months)</h3>
<p><img src="https://www.benzinga.com/files/images/story/2025/1743430516_0.png" alt="short_fig" /></p>
<p>As you can see from the chart above the percentage of shares that are sold short for Cullen/Frost Bankers has declined since its last report. This does not mean that the stock is going to rise in the near-term but traders should be aware that less shares are being shorted.</p>
<h3>Comparing Cullen/Frost Bankers's Short Interest Against Its Peers</h3>
<p>Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.</p>
<p>According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, Cullen/Frost Bankers's peer group average for short interest as a percentage of float is 3.96%, which means the company has <strong>more</strong> short interest than most of its peers.</p>
<p>Did you know that increasing short interest can actually be <strong>bullish</strong> for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage"><strong>This post by Benzinga Money explains how you can profit from it.</strong></a></p>
<p><em>This article was generated by Benzinga's automated content engine and was reviewed by an editor.</em></p>


Short Sellers

Short Ideas

Trading Ideas

Peering Into Cullen/Frost Bankers's Recent Short Interest

<p>In the latest quarter, 5 analysts provided ratings for Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>), showcasing a mix of bullish and bearish perspectives.</p>
<p>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.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">2</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $139.8, a high estimate of $148.00, and a low estimate of $120.00. Marking an increase of 1.3%, the current average surpasses the previous average price target of $138.00. </p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1741896220_0.png" alt="price target chart" /></p>
<h2>Exploring Analyst Ratings: An In-Depth Overview</h2>
<p>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.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$120.00</td>
<td>$132.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Raises</td>
<td>Underperform</td>
<td>$144.00</td>
<td>$136.00</td>
</tr>
<tr>
<td>Catherine Mealor</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$148.00</td>
<td>$140.00</td>
</tr>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Neutral</td>
<td>$143.00</td>
<td>$138.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$144.00</td>
<td>$144.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Cullen/Frost Bankers. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Cullen/Frost Bankers compared to the broader market.</li>
<li><strong>Price Targets:</strong> 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.</li>
</ul>
<p>Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Cullen/Frost Bankers's market standing. Stay informed and make well-considered decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/CFR/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Stay up to date on Cullen/Frost Bankers analyst ratings.</strong></a></p>
<h2>Get to Know Cullen/Frost Bankers Better</h2>
<p>Cullen/Frost is a regional US bank with around $50 billion in assets (as of 2024 year-end), 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.</p>
<h3>A Deep Dive into Cullen/Frost Bankers's Financials</h3>
<p><strong>Market Capitalization Perspectives:</strong> The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.</p>
<p><strong>Revenue Growth:</strong> Cullen/Frost Bankers's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately <strong>6.83%</strong>. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.</p>
<p><strong>Net Margin:</strong> Cullen/Frost Bankers's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of <strong>28.3%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Cullen/Frost Bankers's ROE stands out, surpassing industry averages. With an impressive ROE of <strong>3.92%</strong>, the company demonstrates effective use of equity capital and strong financial performance.</p>
<p><strong>Return on Assets (ROA):</strong> Cullen/Frost Bankers's ROA stands out, surpassing industry averages. With an impressive ROA of <strong>0.29%</strong>, the company demonstrates effective utilization of assets and strong financial performance.</p>
<p><strong>Debt Management:</strong> With a below-average debt-to-equity ratio of <strong>0.06</strong>, Cullen/Frost Bankers adopts a prudent financial strategy, indicating a balanced approach to debt management.</p>
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
<p>Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. </p>
<p>Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.</p>
<p><strong>Breaking: Wall Street's Next Big Mover</strong></p>
<p>Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantag"><strong>Click here for urgent details</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Forecasting The Future: 5 Analyst Projections For Cullen/Frost Bankers

<p>Morgan Stanley  analyst Manan Gosalia   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Underweight and lowers the price target from $132 to $120.</p>


Morgan Stanley Maintains Underweight on Cullen/Frost Bankers, Lowers Price Target to $120

<p>Evercore ISI Group  analyst John Pancari   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Underperform and raises the price target from $136 to $144.</p>


Evercore ISI Group Maintains Underperform on Cullen/Frost Bankers, Raises Price Target to $144

<p>Keefe, Bruyette &amp; Woods  analyst Brady Gailey   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Market Perform and raises the price target from $140 to $148.</p>


Keefe, Bruyette & Woods Maintains Market Perform on Cullen/Frost Bankers, Raises Price Target to $148

<p>DA Davidson  analyst Peter Winter   downgrades Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) from Buy to Neutral and raises the price target from $138 to $143.</p>


Downgrades

DA Davidson Downgrades Cullen/Frost Bankers to Neutral, Raises Price Target to $143

<p>In the last three months, 5 analysts have published ratings on Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>), offering a diverse range of perspectives from bullish to bearish.</p>
<p>Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
</tbody>
</table>
<p>Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $132.8, a high estimate of $145.00, and a low estimate of $113.00. Observing a 10.48% increase, the current average has risen from the previous average price target of $120.20. </p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1738360815_0.png" alt="price target chart" /></p>
<h2>Investigating Analyst Ratings: An Elaborate Study</h2>
<p>The standing of Cullen/Frost Bankers among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$144.00</td>
<td>$144.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Neutral</td>
<td>$145.00</td>
<td>$122.00</td>
</tr>
<tr>
<td>Brady Gailey</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$140.00</td>
<td>$120.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Neutral</td>
<td>$122.00</td>
<td>$111.00</td>
</tr>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Sell</td>
<td>$113.00</td>
<td>$104.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Cullen/Frost Bankers. This offers insight into analysts' perspectives on the current state of the company.</li>
<li><strong>Rating:</strong> Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Cullen/Frost Bankers compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts navigate through adjustments in price targets, providing estimates for Cullen/Frost Bankers's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
<p>Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Cullen/Frost Bankers's market position. Stay informed and make well-informed decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/CFR/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Cullen/Frost Bankers analyst ratings.</strong></a></p>
<h2>Unveiling the Story Behind Cullen/Frost Bankers</h2>
<p>Cullen/Frost is a regional us bank with around $50 billion in assets (as of 2023 year-end), 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.</p>
<h3>Unraveling the Financial Story of Cullen/Frost Bankers</h3>
<p><strong>Market Capitalization Analysis:</strong> Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.</p>
<p><strong>Revenue Growth:</strong> Cullen/Frost Bankers's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately <strong>5.42%</strong>. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.</p>
<p><strong>Net Margin:</strong> The company's net margin is below industry benchmarks, signaling potential difficulties in achieving strong profitability. With a net margin of <strong>27.65%,</strong> the company may need to address challenges in effective cost control.</p>
<p><strong>Return on Equity (ROE):</strong> The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of <strong>3.81%,</strong> the company showcases effective utilization of equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of <strong>0.29%,</strong> the company may need to address challenges in generating satisfactory returns from its assets.</p>
<p><strong>Debt Management:</strong> Cullen/Frost Bankers's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of <strong>0.06</strong>.</p>
<h2>Analyst Ratings: What Are They?</h2>
<p>Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.</p>
<p>Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.</p>
<p>Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.</p>
<p><strong>Breaking: Wall Street's Next Big Mover</strong></p>
<p>Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;utm_source=benzinga-insights"><strong>Click here for urgent details</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


5 Analysts Assess Cullen/Frost Bankers: What You Need To Know

<p>RBC Capital  analyst Jon Arfstrom   reiterates Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Sector Perform and maintains $144 price target.</p>


Reiteration

RBC Capital Reiterates Sector Perform on Cullen/Frost Bankers, Maintains $144 Price Target

Press Releases

Cullen/Frost Bankers, Inc. Hosts Second Quarter 2024 Earnings Conference Call

Dividends

CULLEN/FROST REPORTS SECOND QUARTER RESULTS

Commodities

Frost Partners with Valor's Mineral Asset Management Software, mineral.tech®

Cullen/Frost Bankers, Inc. Hosts Third Quarter 2024 Earnings Conference Call

CULLEN/FROST REPORTS THIRD QUARTER RESULTS

Cullen/Frost Bankers, Inc. Hosts Fourth Quarter 2024 Earnings Conference Call

CULLEN/FROST REPORTS FOURTH QUARTER AND 2024 ANNUAL RESULTS

FOR 16TH CONSECUTIVE YEAR, FROST BANK RANKS HIGHEST IN THE J.D. POWER RETAIL BANKING SATISFACTION STUDY IN TEXAS

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