Cullen/Frost Bankers (CFR) Stock: Buy, Sell, or Hold?
$157.81
-0.04 (-0.03%)
âŧ
5d:
+0.72%
30d:
+4.12%
90d:
-7.21%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (63%)
Quality Score
52/100
Position
SLIGHTLY HIGH
30-Day Fair Range
$152.82 â $158.55
Position: SLIGHTLY HIGH
Forward P/E & Valuation
13.0x
FAIR
vs 13.4x historical avg
Wall Street Target
$173.86
+10.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$154.95 / $163.61
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: CFR is fairly priced but lacks strong directional signals. At -0.9% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Get Alerted When CFR Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$222.73
Based on 6.6% avg growth
INTRINSIC VALUE TODAY
$138.30
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 $157.81, which is considered slightly high relative to its 30-day fair value range of $152.82 to $158.55. The stock's valuation (Forward PE: 13.0) is in line with its historical norms (13.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.9% over the next few years. This pessimistic expectation contrasts with the company's recent 6.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CFR is in a downtrend. The price is currently testing key support at $154.95. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $173.86 (+10.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CFR is in a downtrend. The price is currently testing key support at $154.95. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $173.86 (+10.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$152.82 -
$158.55
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
62.9%
Trading Range & Key Levels
30-Day Trading Range
$152.82 -
$158.55
Current vs Trading Range
SLIGHTLY HIGH
Support Level
$154.95
Resistance Level
$163.61
Current Trend
Downtrend
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- NEUTRAL: Mixed technical signals (48/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($173.86)
- WARNING: Composite score 52/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
13.03
Wall Street Target
$173.86
(+10.2%)
Revenue Growth (YoY)
5.6%
Earnings Growth (YoY)
6.3%
Profit Margin
30.0%
Valuation Discount vs History
-0.9% cheaper
PE vs Historical
13.0 vs 13.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.9%
(market-implied from PE analysis)
1-Year Target
$156.39
(-1%)
2-Year Target
$154.98
(-2%)
3-Year Target
$153.59
(-3%)
3-Yr Target (if PE normalizes)
(PE: 13â13)
$157.96
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 9.1%)
$312.58
(+98%)
Base:
(SPY PE: 13.0, Growth: 9.1%)
$205.07
(+30%)
Bear:
(PE: 11.1, Growth: 9.1%)
$174.31
(+11%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 14.71 | Current EPS (TTM): $10.75
Bull Case
$196.02
(+24%)
Analyst growth 12.7%, PE expands to 16.2
Base Case
$178.20
(+13%)
Market implied 12.7%, PE stable at 14.7
Bear Case
$107.55
(-32%)
Severe decline -20.0%, PE contracts to 12.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.0 to 13.4
Stabilization Target:
$162.30
(+2.8%)
PE Expansion Potential:
+2.8%
Share CFR Analysis
Share this live CFR analysis (with rich preview card) to Reddit, StockTwits, X, or embed the chart on your blog.
bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (CFR)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 12, 2026
Daily AI digest
AI Retail Discussion Summary:
Cullen/Frost Bankers (CFR) reported Q3 earnings with a revenue surprise of 2.84% and an EPS surprise of 5.38%. The company's key financial metrics, such as net charge-offs, net interest margin, total earning assets, book value per share, Tier 1 and Total Risk-based Capital Ratios, leverage ratio, and net interest income, all surpassed analysts' estimates.
Key Retail Themes:
earnings beat
financial metrics exceeding estimates
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 4:42 PM ET
Data refreshes hourly during market hours. Next update: 5:42 PM
Data refreshes hourly during market hours. Next update: 5:42 PM
đĨ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CFR showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
PNFP
Pinnacle Financial PartnâĻ |
STRONG BUY
22 analysts |
$121 | 42 HOLD |
|
FLG
Flagstar Bank, National âĻ |
BUY
18 analysts |
$13 | 61 BUY |
|
HBAN
Huntington Bancshares InâĻ |
BUY
21 analysts |
$19 | 45 HOLD |
|
SSB
SouthState Corporation |
STRONG BUY
14 analysts |
$120 | 51 HOLD |
|
ZION
Zions Bancorporation |
HOLD
23 analysts |
$73 | 51 HOLD |
Explore More Analysis & Live Quant Tools
Part A: Deep-Dive CFR Research Pages
