CFR Stock Analysis: Buy, Sell, or Hold?
CFR - Cullen/Frost Bankers Inc.
$134.70
-0.55 (-0.41%)
▼
5d:
-2.99%
30d:
-4.83%
90d:
-6.77%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 30, 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 oversold pricing.
✅ BUY SIGNAL: CFR shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$173.58
Based on 3.8% avg growth
INTRINSIC VALUE TODAY
$107.78
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 13.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFR is currently trading at $134.70, which is considered oversold relative to its 30-day fair value range of $137.89 to $144.11. The stock's valuation (Forward PE: 12.3) is in line with its historical norms (13.2). Remarkably, the market is currently pricing in an annual earnings decline of 2.4% over the next few years. This pessimistic expectation contrasts with the company's recent 15.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CFR is in a uptrend. The price is currently testing key support at $133.35. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $149.93 (+11.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CFR is in a uptrend. The price is currently testing key support at $133.35. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $149.93 (+11.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$137.89 -
$144.11
Company Quality Score
60/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($149.93)
Trading Range Analysis
30-Day Trading Range
$137.89 -
$144.11
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$133.36
Resistance Level
$142.72
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.31
Wall Street Target
$149.93
(+11.3%)
Revenue Growth (YoY)
7.8%
Earnings Growth (YoY)
15.2%
Profit Margin
30.0%
Valuation Discount vs History
-2.4% cheaper
PE vs Historical
12.3 vs 13.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.4%
(market-implied from PE analysis)
1-Year Target
$131.47
(-2%)
2-Year Target
$128.31
(-5%)
3-Year Target
$125.23
(-7%)
3-Yr Target (if PE normalizes)
(PE: 12→13)
$134.25
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 3.5%)
$267.96
(+99%)
Base:
(SPY PE: 12.3, Growth: 3.5%)
$149.50
(+11%)
Bear:
(PE: 10.5, Growth: 3.5%)
$127.08
(-6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 13.17 | Current EPS (TTM): $10.27
Bull Case
$158.47
(+18%)
Analyst growth 6.5%, PE expands to 14.5
Base Case
$144.06
(+7%)
Market implied 6.5%, PE stable at 13.2
Bear Case
$91.97
(-32%)
Severe decline -20.0%, PE contracts to 11.2
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 12.3 to 13.2
Stabilization Target:
$144.40
(+7.2%)
PE Expansion Potential:
+7.2%
Share & Embed Analysis
Last updated: May 16, 2026 4:28 AM ET
Data refreshes hourly during market hours. Next update: 5:28 AM
Data refreshes hourly during market hours. Next update: 5:28 AM
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Technical Signals Check
Is CFR showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Bobby Berman
SELL
1000 shares
2026-01-30
Ericka Lynn Pullin
SELL
2025-12-12
Coolidge E Rhodes Jr
SELL
700 shares
2025-12-09
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