Cullen/Frost Bankers (CFR) Stock: Buy, Sell, or Hold?
CFR - Cullen/Frost Bankers Inc.
$162.92
0.26 (0.16%)
▲
5d:
+0.12%
30d:
-3.03%
90d:
+11.51%
BUY
HIGH Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 29, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CFR shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: CFR shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$205.48
Based on 5.4% avg growth
INTRINSIC VALUE TODAY
$127.59
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 13.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFR is currently trading at $162.92, which is considered fair relative to its 30-day fair value range of $161.61 to $166.85. The stock's valuation (Forward PE: 13.9) is in line with its historical norms (13.5). At these levels, the market is pricing in 1.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CFR is in a strong uptrend. The price is approaching resistance at $166.75. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CFR scores 72/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CFR is in a strong uptrend. The price is approaching resistance at $166.75. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CFR scores 72/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$161.61 -
$166.85
Company Quality Score
70/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (72/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($174.43)
- NEUTRAL: Market pricing in 1.1% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 72/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$161.61 -
$166.85
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$157.64
Resistance Level
$166.75
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.89
Wall Street Target
$174.43
(+7.1%)
Revenue Growth (YoY)
6.1%
Earnings Growth (YoY)
12.8%
Profit Margin
30.2%
Valuation Premium vs History
+1.1% premium
PE vs Historical
13.9 vs 13.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.1%
(market-implied from PE analysis)
1-Year Target
$164.71
(+1%)
2-Year Target
$166.52
(+2%)
3-Year Target
$168.36
(+3%)
3-Yr Target (if PE normalizes)
(PE: 14→14)
PE COMPRESSION
$163.66
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 6.7%)
$287.54
(+77%)
Base:
(SPY PE: 13.9, Growth: 6.7%)
$197.97
(+22%)
Bear:
(PE: 11.8, Growth: 6.7%)
$168.28
(+3%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 15.29 | Current EPS (TTM): $10.64
Bull Case
$197.28
(+21%)
Analyst growth 10.3%, PE expands to 16.8
Base Case
$179.35
(+10%)
Market implied 10.3%, PE stable at 15.3
Bear Case
$110.61
(-32%)
Severe decline -20.0%, PE contracts to 13.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 13, 2026 12:03 AM ET
Data refreshes hourly during market hours. Next update: 1:03 AM
Data refreshes hourly during market hours. Next update: 1:03 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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