Short interest for Cullen/Frost Bankers gives investors a sense of the degree to which investors are betting on the decline of Cullen/Frost Bankers's stock. Short interest data is updated every two weeks.

Cullen/Frost Bankers Stock (NYSE:CFR), Short Interest Report

Cullen/Frost Bankers

Cullen/Frost Bankers is a financial holding company, The company offer commercial and consumer banking services, as well as trust and investment management, insurance, brokerage, mutual funds, leasing, treasury management, capital markets advisory and item processing services across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, and San Antonio regions.

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JPMorgan&#39;s Alexopoulos has identified 7 bank stocks with strong growth potential. These Magnificent Seven picks are poised to thrive in the current market landscape.

JPMorgan&#39;s &#39;Magnificent Seven&#39; — Bank Version: These Stock Picks Have &#39;Strong Upside Potential&#39;

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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>JPMorgan analyst <strong>Steven Alexopoulos</strong> has identified seven bank stocks poised for significant growth in the current market landscape. He&#8217;s referred to these picks as <a href="https://www.benzinga.com/topic/magnificent-seven">&#8220;our &#8216;Magnificent Seven'&#8221;</a>.</p>
<h3 class="wp-block-heading">JPMorgan&#8217;s Magnificent Seven Bank Stock Picks</h3>
<p>Alexopoulos&#8217; picks from among mid- and small-cap banks, and his views (summarized) on them are as follows:</p>
<ul>
<li><strong>First Citizens BancShares Inc (Delaware) Class A </strong>(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>): Despite a challenging VC environment in 1Q24, First Citizens&#8217; acquisition of SVB has stabilized deposit balances and increased new deposits, indicating potential growth in the future. The bank&#8217;s asset-sensitive balance sheet could benefit from potential Fed rate cuts, leading to strong net interest income growth.</li>
<li><strong>Western Alliance Bancorporation</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WAL#NYSE">WAL</a>): Western Alliance achieved key financial targets in 1Q24, setting the stage for continued growth, particularly driven by its national businesses outperforming peers. With shares trading at an elevated implied cost of equity, there is significant upside potential for shareholders.</li>
<li><strong>Live Oak Bancshares Inc</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LOB#NYSE">LOB</a>): Delayed Fed rate cuts have postponed the benefit to Live Oak&#8217;s liability-sensitive balance sheet, but the bank&#8217;s long-term growth story remains intact. LOB is well-positioned for growth with strong loan originations and a favorable valuation.</li>
<li><strong>Pinnacle Financial Partners Inc </strong>(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PNFP#NASDAQ">PNFP</a>): Pinnacle stands out among regional banks with strong balance sheet growth exceeding peers. The bank&#8217;s high growth footprint and focus on client relationships could lead to a favorable NIM outlook and further upside in revenue.</li>
<li><strong>Cullen/Frost Bankers, Inc. </strong>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>): With a founder-inspired culture and strong balance sheet, Frost continues to invest for the long term. Despite modest NII guidance adjustments, Frost&#8217;s trajectory points to an increase in NIM and strong growth ahead.</li>
<li><strong>MVB Financial Corp</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MVBF#NASDAQ">MVBF</a>): MVBF shares underperformed peers due to NIM compression, but this is expected to reverse in 2Q. With a strong foothold in the online gaming industry and attractive valuation, MVBF is poised for long-term growth.</li>
<li><strong>Webster Financial Corporation</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WBS#NYSE">WBS</a>): Despite underperforming peers in 1Q24, Webster&#8217;s sell-off is seen as an overreaction. While the company lowered its loan growth outlook, strong loan growth in 1Q24 and potential improvements in 2H24 could lead to upside. Shares trade at a discount to peers, offering an attractive buying opportunity.</li>
</ul>
<p>The analysis comes on the heels of the U.S. mid- and small-cap banks&#8217; 1Q24 earnings outlook, which showed a mixed bag of results.</p>
<p><em>Also Read: <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/04/38301893/market-reaction-to-bank-earnings-is-mixed-jpmorgan-analysts-project-further-decline">Market Reaction To Bank Earnings Is Mixed, JPMorgan Analysts Project Further Decline In Net Interest Income</a></em></p>
<h3 class="wp-block-heading">US Mid- And Small-Cap Banks&#8217; Outlook</h3>
<p>For Alexopoulos, key takeaways from the quarter included: &#8220;NIMs trending flat, minimal loan and deposit growth being delivered, and credit quality trends remaining strong despite one-offs.&#8221; These should translate into improved loan growth trends in the second half of the year.</p>
<p>However, there are challenges on the horizon. Economic growth has been robust in recent years, but loan demand has remained limited. </p>
<p>Moreover, the timing for Fed rate cuts, which many banks were banking on for a significant uptick in growth, is now uncertain. </p>
<p>Recent inflation data has come in higher than expected, prompting the Fed to hold off on rate cuts until there is more confidence in the inflation trajectory.</p>
<p>&#8220;We believe the Fed may need to see several inflation readings trending more favorably before it considers lowering the funds rate,&#8221; said Alexopoulos.</p>
<h3 class="wp-block-heading">Strong Upside Potential</h3>
<p>Despite these challenges, JPMorgan remains bullish on the sector, citing &#8220;strong upside potential&#8221; and low odds of negative catalysts such as rate hikes.</p>
<p>Alexopoulos views the &#8220;Magnificent Seven&#8221; picks as particularly well-positioned to drive significant intrinsic value growth in the current environment.</p>
<p><em>Read Next: <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/05/38643266/why-veteran-wall-street-investor-believes-were-still-in-a-bull-market">Why Veteran Wall Street Investor Believes We&#8217;re Still In A Bull Market</a></em></p>
<p><em>Image: Shutterstock</em></p>


JPMorgan's 'Magnificent Seven' — Bank Version: These Stock Picks Have 'Strong Upside Potential'

<p>Truist Securities  analyst Brandon King   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Hold and lowers the price target from $121 to $115.</p>


News

Price Target

Truist Securities Maintains Hold on Cullen/Frost Bankers, Lowers Price Target to $115

<p>9 analysts have expressed a variety of opinions on Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) over the past quarter, offering a diverse set of opinions 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;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">6</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</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;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</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;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</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;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $120.56, a high estimate of $140.00, and a low estimate of $113.00. Marking an increase of 2.67%, the current average surpasses the previous average price target of $117.43. </p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1714150829_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 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>David Chiaverini</td>
<td>Wedbush</td>
<td>Maintains</td>
<td>Neutral</td>
<td>$115.00</td>
<td>-</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$118.00</td>
<td>-</td>
</tr>
<tr>
<td>Casey Haire</td>
<td>Jefferies</td>
<td>Raises</td>
<td>Hold</td>
<td>$121.00</td>
<td>$119.00</td>
</tr>
<tr>
<td>Steven Alexopoulos</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$140.00</td>
<td>$135.00</td>
</tr>
<tr>
<td>Brandon King</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$121.00</td>
<td>$114.00</td>
</tr>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Maintains</td>
<td>Buy</td>
<td>$126.00</td>
<td>$126.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Raises</td>
<td>Underperform</td>
<td>$113.00</td>
<td>$109.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$115.00</td>
<td>$109.00</td>
</tr>
<tr>
<td>Brody Preston</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$116.00</td>
<td>$110.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Cullen/Frost Bankers. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' 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>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 Bankers is a financial holding company, The company offer commercial and consumer banking services, as well as trust and investment management, insurance, brokerage, mutual funds, leasing, treasury management, capital markets advisory and item processing services across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, and San Antonio regions.</p>
<h3>A Deep Dive into Cullen/Frost Bankers's Financials</h3>
<p><strong>Market Capitalization Analysis:</strong> The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.</p>
<p><strong>Decline in Revenue:</strong> Over the 3 months period, Cullen/Frost Bankers faced challenges, resulting in a decline of approximately <strong>-0.44%</strong> in revenue growth as of 31 December, 2023. This signifies a reduction in the company's 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 lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of <strong>19.85%,</strong> the company may face hurdles in effective cost management.</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>3.1%,</strong> the company showcases effective utilization of equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Cullen/Frost Bankers's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of <strong>0.2%,</strong> the company may face hurdles in achieving optimal financial returns.</p>
<p><strong>Debt Management:</strong> The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at <strong>0.06</strong>.</p>
<h2>Analyst Ratings: Simplified</h2>
<p>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. </p>
<p>Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Navigating 9 Analyst Ratings For Cullen/Frost Bankers

<p>Wedbush  analyst David Chiaverini   reiterates Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Neutral and maintains $115 price target.</p>


Reiteration

Wedbush Reiterates Neutral on Cullen/Frost Bankers, Maintains $115 Price Target

Guidance

Cullen/Frost Bankers Projects Noninterest Income May Rise Slightly With Noninterest Expense Growth Remaining At 6%-8%, While Net Charge-Offs And The Effective Tax Rate Are Expected To Normalize Or Remain Stable, Respectively.

Cullen/Frost Bankers Projects A Reduction To Two 25 Basis Point Federal Reserve Rate Cuts In 2024, Anticipates High Single-Digit Loan Growth, Expects Flat To 2% Deposit Growth, And Predicts 2%-4% Net Interest Income Growth With A Slight Upward Trend In Net Interest Margin

<p>Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) reported quarterly earnings of $2.15 per share which beat the analyst consensus estimate of $2.12 by 1.42 percent. This is a 20.37 percent decrease over earnings of $2.70 per share from the same period last year.  The company reported quarterly sales of $501.428 million which missed the analyst consensus estimate of $515.992 million by 2.82 percent.  This is a 0.72 percent decrease over sales of $505.085 million the same period last year.</p>


Earnings

Earnings Beats

Earnings Misses

Cullen/Frost Bankers Q1 2024 Adj EPS $2.15 Beats $2.12 Estimate, Sales $501.428M Miss $515.992M Estimate

<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 $118 price target.</p>


RBC Capital Reiterates Sector Perform on Cullen/Frost Bankers, Maintains $118 Price Target

<p>Jefferies  analyst Casey Haire   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Hold and raises the price target from $119 to $121.</p>


Jefferies Maintains Hold on Cullen/Frost Bankers, Raises Price Target to $121

<p>JP Morgan  analyst Steven Alexopoulos   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Overweight and raises the price target from $135 to $140.</p>


JP Morgan Maintains Overweight on Cullen/Frost Bankers, Raises Price Target to $140

<p>Truist Securities  analyst Brandon King   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Hold and raises the price target from $114 to $121.</p>


Truist Securities Maintains Hold on Cullen/Frost Bankers, Raises Price Target to $121

<p>In the latest quarter, 9 analysts provided ratings for Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>), showcasing a mix of bullish and bearish perspectives.</p>
<p>The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding 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;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">6</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</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;">0</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;">0</td>
<td style="text-align: right;">0</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;">4</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Analysts have recently evaluated Cullen/Frost Bankers and provided 12-month price targets. The average target is $116.56, accompanied by a high estimate of $126.00 and a low estimate of $111.00. Witnessing a positive shift, the current average has risen by 2.89% from the previous average price target of $113.29.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1711645251_0.png" alt="price target chart" /></p>
<h2>Exploring Analyst Ratings: An In-Depth Overview</h2>
<p>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.</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>Peter Winter</td>
<td>DA Davidson</td>
<td>Maintains</td>
<td>Buy</td>
<td>$126.00</td>
<td>$126.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Raises</td>
<td>Underperform</td>
<td>$113.00</td>
<td>$109.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$115.00</td>
<td>$109.00</td>
</tr>
<tr>
<td>Brody Preston</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$116.00</td>
<td>$110.00</td>
</tr>
<tr>
<td>Matt Olney</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$117.00</td>
<td>$116.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$118.00</td>
<td>-</td>
</tr>
<tr>
<td>Brady Gailey</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Lowers</td>
<td>Market Perform</td>
<td>$118.00</td>
<td>$125.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Maintains</td>
<td>Neutral</td>
<td>$115.00</td>
<td>-</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Raises</td>
<td>Underperform</td>
<td>$111.00</td>
<td>$98.00</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> Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Cullen/Frost Bankers compared to the broader market.</li>
<li><strong>Price Targets:</strong> Understanding forecasts, analysts offer estimates for Cullen/Frost Bankers's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</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 Bankers is a financial holding company, The company offer commercial and consumer banking services, as well as trust and investment management, insurance, brokerage, mutual funds, leasing, treasury management, capital markets advisory and item processing services across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, and San Antonio regions.</p>
<h3>Cullen/Frost Bankers's Financial Performance</h3>
<p><strong>Market Capitalization Perspectives:</strong> The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.</p>
<p><strong>Negative Revenue Trend:</strong> Examining Cullen/Frost Bankers's financials over 3 months reveals challenges. As of 31 December, 2023, the company experienced a decline of approximately <strong>-0.44%</strong> in revenue growth, reflecting a decrease in 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> Cullen/Frost Bankers's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of <strong>19.85%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Cullen/Frost Bankers's ROE stands out, surpassing industry averages. With an impressive ROE of <strong>3.1%</strong>, the company demonstrates effective use of equity capital and strong financial performance.</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>0.2%,</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 Core of Analyst Ratings: What Every Investor Should Know</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 publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.</p>
<p>If you want to keep track of which analysts are outperforming others, you can view updated analyst ratings along withanalyst success scores in <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Cullen/Frost Bankers Stock: A Deep Dive Into Analyst Perspectives (9 Ratings)

<p>DA Davidson  analyst Peter Winter   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Buy and maintains $126 price target.</p>


DA Davidson Maintains Buy on Cullen/Frost Bankers, Maintains $126 Price Target

<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 $109 to $113.</p>


Evercore ISI Group Maintains Underperform on Cullen/Frost Bankers, Raises Price Target to $113

<p>Morgan Stanley  analyst Manan Gosalia   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 $109 to $115.</p>


Morgan Stanley Maintains Equal-Weight on Cullen/Frost Bankers, Raises Price Target to $115

<p>UBS  analyst Brody Preston   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 $110 to $116.</p>


UBS Maintains Neutral on Cullen/Frost Bankers, Raises Price Target to $116

<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 $116 to $117.</p>


Stephens & Co. Maintains Equal-Weight on Cullen/Frost Bankers, Raises Price Target to $117

<p>Ratings for Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) were provided by 4 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.</p>
<p>The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding 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;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</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;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</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;">0</td>
<td style="text-align: right;">1</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;">0</td>
<td style="text-align: right;">0</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 recently evaluated Cullen/Frost Bankers and provided 12-month price targets. The average target is $109.5, accompanied by a high estimate of $118.00 and a low estimate of $94.00. This current average has decreased by 1.79% from the previous average price target of $111.50. </p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1706277645_0.png" alt="price target chart" /></p>
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
<p>An in-depth analysis of recent analyst actions unveils how financial experts perceive Cullen/Frost Bankers. The following summary 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>Lowers</td>
<td>Market Perform</td>
<td>$118.00</td>
<td>$125.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Maintains</td>
<td>Neutral</td>
<td>$115.00</td>
<td>-</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Raises</td>
<td>Underperform</td>
<td>$111.00</td>
<td>$98.00</td>
</tr>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Announces</td>
<td>Sell</td>
<td>$94.00</td>
<td>-</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> 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 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>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>All You Need to Know About Cullen/Frost Bankers</h2>
<p>Cullen/Frost Bankers is a financial holding company, headquartered in San Antonio. One of the 50 largest U.S. banks, Frost provides a wide range of banking, investments, and insurance services to businesses and individuals across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, and San Antonio regions.</p>
<h3>Cullen/Frost Bankers's Financial Performance</h3>
<p><strong>Market Capitalization Perspectives:</strong> The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.</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>7.92%</strong> as of 30 September, 2023, showcasing a substantial increase in top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.</p>
<p><strong>Net Margin:</strong> Cullen/Frost Bankers's net margin is impressive, surpassing industry averages. With a net margin of <strong>31.02%,</strong> the company demonstrates strong profitability and effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Cullen/Frost Bankers's ROE excels beyond industry benchmarks, reaching <strong>5.0%</strong>. This signifies robust financial management and efficient use of shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Cullen/Frost Bankers's ROA stands out, surpassing industry averages. With an impressive ROA of <strong>0.31%</strong>, the company demonstrates effective utilization of assets and strong financial performance.</p>
<p><strong>Debt Management:</strong> With a below-average debt-to-equity ratio of <strong>0.08</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>Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.</p>
<p>Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


A Glimpse Into The Expert Outlook On Cullen/Frost Bankers Through 4 Analysts

<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 lowers the price target from $125 to $118.</p>


Keefe, Bruyette & Woods Maintains Market Perform on Cullen/Frost Bankers, Lowers Price Target to $118-Report Released on 25 January 2024

<p><a href="https://investorplace.com">InvestorPlace - Stock Market News, Stock Advice &amp; Trading Tips</a></p>
<p><strong>Cullen/Frost Bankers</strong> (NYSE:<span><a href="https://investorplace.com/stock-quotes/cfr-stock-quote/"><strong>CFR</strong></a></span>) just reported results for the first quarter of 2024.</p><ul><li>Cullen/Frost Bankers reported earnings per share of $2.15. This was above the analyst estimate for EPS of $2.12.</li><li>The company reported revenue of $501.43 million.</li><li>This was 2.82% worse than the analyst estimate for revenue of $515.99 million.</li></ul><div><p>InvestorPlace Earnings is a project that leverages data from <a href="https://www.tradesmith.com">TradeSmith</a> to automate coverage of quarterly earnings reports. InvestorPlace Earnings distills key takeaways including earnings per share and revenue, as well as how a company stacks up to analyst estimates. These articles are published without human intervention, allowing us to inform our readers of the latest figures as quickly as possible. To report any concerns or inaccuracies, please contact us at <a href="mailto:editor@investorplace.com">editor@investorplace.com</a>.</p></div><h3>More From InvestorPlace</h3>
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	<p>The post <a href="https://investorplace.com/earning-results/2024/04/cfr-stock-earnings-cullen-frost-bankers-for-q1-of-2024/">CFR Stock Earnings: Cullen/Frost Bankers Beats EPS, Misses Revenue for Q1 2024</a> appeared first on <a href="https://investorplace.com">InvestorPlace</a>.</p>

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Cullen/Frost Bankers Stock (NYSE:CFR), Short Interest Report

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