Providing a diverse range of perspectives from bullish to bearish, 6 analysts have published ratings on Cullen/Frost Bankers CFR in the last three months.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 0 | 0 | 4 | 2 | 0 |
| Last 30D | 0 | 0 | 1 | 0 | 0 |
| 1M Ago | 0 | 0 | 0 | 1 | 0 |
| 2M Ago | 0 | 0 | 3 | 1 | 0 |
| 3M Ago | 0 | 0 | 0 | 0 | 0 |
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.
Interpreting Analyst Ratings: A Closer Look
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.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Jared Shaw | Barclays | Announces | Equal-Weight | $130.00 | - |
| Manan Gosalia | Morgan Stanley | Lowers | Underweight | $120.00 | $132.00 |
| John Pancari | Evercore ISI Group | Raises | Underperform | $144.00 | $136.00 |
| Catherine Mealor | Keefe, Bruyette & Woods | Raises | Market Perform | $148.00 | $140.00 |
| Peter Winter | DA Davidson | Raises | Neutral | $143.00 | $138.00 |
| Jon Arfstrom | RBC Capital | Maintains | Sector Perform | $144.00 | $144.00 |
Key Insights:
- Action Taken: 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.
- Rating: 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.
- Price Targets: 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.
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.
Stay up to date on Cullen/Frost Bankers analyst ratings.
About 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.
Understanding the Numbers: Cullen/Frost Bankers's Finances
Market Capitalization Analysis: 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.
Revenue Growth: Over the 3 months period, Cullen/Frost Bankers showcased positive performance, achieving a revenue growth rate of 6.83% 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.
Net Margin: Cullen/Frost Bankers's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 28.3%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Cullen/Frost Bankers's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 3.92% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): Cullen/Frost Bankers's financial strength is reflected in its exceptional ROA, which exceeds industry averages. With a remarkable ROA of 0.29%, the company showcases efficient use of assets and strong financial health.
Debt Management: With a below-average debt-to-equity ratio of 0.06, Cullen/Frost Bankers adopts a prudent financial strategy, indicating a balanced approach to debt management.
How Are Analyst Ratings Determined?
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.
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.
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