Cullen/Frost Bankers, Inc. (CFR) Stock Score, Valuation & Financial Research
Cullen/Frost Bankers, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 51/100.
Quick answer for CFR
Cullen/Frost Bankers, Inc. currently has a Wall Street Score of 51/100. The stored market price is $164.41. Its financial score is 43/100. Its valuation score is 93/100. The latest WSS change is -1.2 points. These figures are a research snapshot, not a buy or sell recommendation.
What Cullen/Frost Bankers, Inc. does
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting,
CFR financial snapshot
- Wall Street Score:
- 51/100
- Current price:
- $164.41
- Market capitalization:
- $10.22B
- Revenue:
- $2.64B
- Net income:
- $683.7M
- Free cash flow:
- $127.3M
- Cash:
- $697.7M
- Total debt:
- $5.42B
- EPS:
- 10.61
- P/E ratio:
- 15.5x
- Financial score:
- 43/100
- Valuation score:
- 93/100
- Revenue score:
- 24/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $127.3M, showing positive cash generation.
- The balance sheet shows $697.7M of cash versus $5.42B of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -1.2 points: CFR decreased 1.2 points because Valuation declined by 4.4 points.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 43/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-14.
How to research CFR
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.