Cullen/Frost Bankers (NYSE:CFR) Stock

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.

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Cullen/Frost Bankers Inc

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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>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>


News

Price Target

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>
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<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

<p>Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) reported quarterly earnings of $2.36 per share which beat the analyst consensus estimate of $2.14 by 10.28 percent. This is a 8.26 percent increase over earnings of $2.18 per share from the same period last year.  The company reported quarterly sales of $536.34 million which missed the analyst consensus estimate of $537.77 million by 0.27 percent.  This is a 6.86 percent increase over sales of $501.90 million the same period last year.</p>


Earnings

Earnings Beats

Earnings Misses

Cullen/Frost Bankers Q4 GAAP EPS $2.36 Beats $2.14 Estimate, Sales $536.34M Miss $537.77M Estimate

<p>The earnings results for <strong>Cullen/Frost Bankers</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) for Q4 were made public on Thursday, January 30, 2025 at 09:00 AM.</p>
<p>Here's a comprehensive overview of the announcement.</p>
<h3>Earnings</h3>
<p>Cullen/Frost Bankers beat estimated earnings by 9.0%, reporting an EPS of $2.36 versus an estimate of $2.17.</p>
<p>Revenue was up $34.44 million from the same period last year.</p>
<h3>Past Earnings Performance</h3>
<p>In the previous quarter, the company beat on EPS by $0.07, resulting in a 1.0% drop change in the share price the following day.</p>
<p>Here's a look at Cullen/Frost Bankers's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>2.17</td>
<td>2.07</td>
<td>2.12</td>
<td>2.03</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>2.24</td>
<td>2.21</td>
<td>2.15</td>
<td>2.18</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>523.64M</td>
<td>515.36M</td>
<td>515.99M</td>
<td>499.55M</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>518.04M</td>
<td>507.90M</td>
<td>501.43M</td>
<td>501.90M</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for Cullen/Frost Bankers <a href="https://www.benzinga.com/quote/CFR/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Cullen/Frost Bankers Q4 Earnings Assessment

Buybacks

Cullen/Frost Bankers Board Authorizes $150M Buyback Program

<p>Compass Point  analyst David Rochester   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Neutral and raises the price target from $122 to $145.</p>


Compass Point Maintains Neutral on Cullen/Frost Bankers, Raises Price Target to $145

<p>Analysts' ratings for Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) over the last quarter vary from bullish to bearish, as provided by 10 analysts.</p>
<p>The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.</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">6</td>
<td align="right">2</td>
<td align="right">2</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">1</td>
<td align="right">0</td>
<td align="right">1</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">2</td>
<td align="right">2</td>
<td align="right">1</td>
</tr>
</tbody>
</table>
<p>Insights from analysts' 12-month price targets are revealed, presenting an average target of $122.3, a high estimate of $140.00, and a low estimate of $104.00. This upward trend is evident, with the current average reflecting a 3.73% increase from the previous average price target of $117.90.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1733342529_0.png" alt="price target chart" /></p>
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
<p>The standing of Cullen/Frost Bankers among financial experts is revealed through an in-depth exploration 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>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>
<tr>
<td>Matt Olney</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$136.00</td>
<td>$125.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$130.00</td>
<td>$118.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Lowers</td>
<td>Underperform</td>
<td>$115.00</td>
<td>$123.00</td>
</tr>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Sell</td>
<td>$104.00</td>
<td>$107.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$117.00</td>
<td>$121.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$123.00</td>
<td>$124.00</td>
</tr>
<tr>
<td>Brandon King</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$123.00</td>
<td>$126.00</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> Analyzing trends, analysts offer qualitative evaluations, ranging 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 gauge the dynamics of price targets, providing estimates for the future value of Cullen/Frost Bankers's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
<p>For valuable insights into Cullen/Frost Bankers's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using 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>Discovering Cullen/Frost Bankers: A Closer Look</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>Cullen/Frost Bankers: A Financial Overview</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> Cullen/Frost Bankers's remarkable performance in 3 months is evident. As of 30 September, 2024, the company achieved an impressive revenue growth rate of <strong>5.42%</strong>. This signifies a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.</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> Cullen/Frost Bankers's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of <strong>3.81%,</strong> the company showcases efficient use of equity capital and strong financial health.</p>
<p><strong>Return on Assets (ROA):</strong> The company's ROA is a standout performer, exceeding industry averages. With an impressive ROA of <strong>0.29%,</strong> the company showcases effective utilization of assets.</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 Basics of Analyst Ratings</h2>
<p>Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.</p>
<p>Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.</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;utm_source=benzinga-insights"><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>


Decoding 10 Analyst Evaluations For Cullen/Frost Bankers

<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 $120 to $140.</p>


Keefe, Bruyette & Woods Maintains Market Perform on Cullen/Frost Bankers, Raises Price Target to $140

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Shares of banking-related companies are trading higher after Donald Trump won the US presidential election.

<p>Compass Point  analyst David Rochester   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Neutral and raises the price target from $111 to $122.</p>


Compass Point Maintains Neutral on Cullen/Frost Bankers, Raises Price Target to $122

<p>In the last three months, 8 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>In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Analysts have set 12-month price targets for Cullen/Frost Bankers, revealing an average target of $120.12, a high estimate of $136.00, and a low estimate of $104.00. This upward trend is apparent, with the current average reflecting a 1.37% increase from the previous average price target of $118.50.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1730739656_0_0.png" alt="price target chart" /></p>
<h2>Diving into Analyst Ratings: An In-Depth Exploration</h2>
<p>A clear picture of Cullen/Frost Bankers's perception among financial experts is painted 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>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Sell</td>
<td>$113.00</td>
<td>$104.00</td>
</tr>
<tr>
<td>Matt Olney</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$136.00</td>
<td>$125.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$130.00</td>
<td>$118.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Lowers</td>
<td>Underperform</td>
<td>$115.00</td>
<td>$123.00</td>
</tr>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Sell</td>
<td>$104.00</td>
<td>$107.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$117.00</td>
<td>$121.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$123.00</td>
<td>$124.00</td>
</tr>
<tr>
<td>Brandon King</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$123.00</td>
<td>$126.00</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> 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 set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
<p>To gain a panoramic view of Cullen/Frost Bankers's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using 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>All You Need to Know About 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>Financial Milestones: Cullen/Frost Bankers's Journey</h3>
<p><strong>Market Capitalization:</strong> With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.</p>
<p><strong>Positive Revenue Trend:</strong> Examining Cullen/Frost Bankers's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of <strong>5.42%</strong> as of 30 September, 2024, 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 is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of <strong>27.65%,</strong> the company may encounter challenges in effective cost control.</p>
<p><strong>Return on Equity (ROE):</strong> Cullen/Frost Bankers's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of <strong>3.81%,</strong> the company showcases efficient use of equity capital and strong financial health.</p>
<p><strong>Return on Assets (ROA):</strong> The company's ROA is a standout performer, exceeding industry averages. With an impressive ROA of <strong>0.29%,</strong> the company showcases effective utilization of assets.</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>Analyst Ratings: Simplified</h2>
<p>Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.</p>
<p>Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.</p>
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<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Navigating 8 Analyst Ratings For Cullen/Frost Bankers

<p>Citigroup  analyst Ben Gerlinger   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Sell and raises the price target from $104 to $113.</p>


Citigroup Maintains Sell on Cullen/Frost Bankers, Raises Price Target to $113

<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 $125 to $136.</p>


Stephens & Co. Maintains Equal-Weight on Cullen/Frost Bankers, Raises Price Target to $136

<p>RBC Capital  analyst Jon Arfstrom   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Sector Perform and raises the price target from $118 to $130.</p>


RBC Capital Maintains Sector Perform on Cullen/Frost Bankers, Raises Price Target to $130

<p>Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) reported quarterly earnings of $2.24 per share which beat the analyst consensus estimate of $2.16 by 3.7 percent. This is a 5.88 percent decrease over earnings of $2.38 per share from the same period last year.  The company reported quarterly sales of $518.038 million which missed the analyst consensus estimate of $523.644 million by 1.07 percent.  This is a 5.42 percent increase over sales of $491.424 million the same period last year.</p>


Cullen/Frost Bankers Q3 2024 GAAP EPS $2.24 Beats $2.16 Estimate, Sales $518.038M Miss $523.644M Estimate

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Shares of banking and financial services stocks are trading higher following better-than-expected financial results from JPMorgan Chase and Wells Fargo.

<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 lowers the price target from $123 to $115.</p>


Evercore ISI Group Maintains Underperform on Cullen/Frost Bankers, Lowers Price Target to $115

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