Cullen/Frost Bankers (CFR) Stock: Buy, Sell, or Hold?
CFR - Cullen/Frost Bankers Inc.
$155.04
1.56 (1.02%)
▲
5d:
-1.51%
30d:
-4.1%
90d:
-0.78%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 29, 2026
25d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CFR shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: CFR shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$212.92
Based on 6.0% avg growth
INTRINSIC VALUE TODAY
$132.21
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 13.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFR is currently trading at $155.04, which is considered oversold relative to its 30-day fair value range of $156.08 to $162.92. The stock's valuation (Forward PE: 13.1) is in line with its historical norms (13.4). Remarkably, the market is currently pricing in an annual earnings decline of 1.0% over the next few years. This pessimistic expectation contrasts with the company's recent 12.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CFR is in a strong uptrend. Immediate support is located at $150.22, while resistance sits at $160.83.
Market Sentiment: CFR scores 74/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $172.79 (+11.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CFR is in a strong uptrend. Immediate support is located at $150.22, while resistance sits at $160.83.
Market Sentiment: CFR scores 74/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $172.79 (+11.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$156.08 -
$162.92
Company Quality Score
68/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
88.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (74/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($172.79)
- CAUTION: Bottoming setup, but lagging the sector by 19% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$156.08 -
$162.92
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$150.22
Resistance Level
$160.83
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.05
Wall Street Target
$172.79
(+11.4%)
Revenue Growth (YoY)
6.1%
Earnings Growth (YoY)
12.8%
Profit Margin
30.2%
Valuation Discount vs History
-1.0% cheaper
PE vs Historical
13.1 vs 13.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.0%
(market-implied from PE analysis)
1-Year Target
$153.49
(-1%)
2-Year Target
$151.95
(-2%)
3-Year Target
$150.44
(-3%)
3-Yr Target (if PE normalizes)
(PE: 13→13)
$154.45
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 8.0%)
$305.35
(+97%)
Base:
(SPY PE: 13.1, Growth: 8.0%)
$195.36
(+26%)
Bear:
(PE: 11.1, Growth: 8.0%)
$166.05
(+7%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 14.42 | Current EPS (TTM): $10.64
Bull Case
$188.49
(+22%)
Analyst growth 11.6%, PE expands to 15.9
Base Case
$171.35
(+11%)
Market implied 11.6%, PE stable at 14.4
Bear Case
$104.37
(-33%)
Severe decline -20.0%, PE contracts to 12.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.1 to 13.4
Stabilization Target:
$159.18
(+2.7%)
PE Expansion Potential:
+2.7%
Share & Embed Analysis
Last updated: October 03, 2026 6:30 AM ET
Data refreshes hourly during market hours. Next update: 7:30 AM
Data refreshes hourly during market hours. Next update: 7:30 AM
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Technical Signals Check
Is CFR showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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