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Cullen/Frost Bankers, Inc. CFR-PB NYSE

NYSE • Financial Services • Banks - Regional • US • USD

SharesGrow Score
53/100
3/7 Pass
SharesGrow Intrinsic Value
$242.45
+1296.4%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

Cullen/Frost Bankers, Inc. (CFR-PB) trades at a trailing P/E of 14.0, forward P/E of 1.7. Trailing earnings yield is 7.14%, forward earnings yield 59.52%. PEG 1.47. Graham Number is $128.47.

Criteria proven by this page:

  • VALUE (30/100, Fail) — the composite valuation score falls below the 60/100 threshold required to pass.
  • Forward P/E 1.7 (down from trailing 14.0) — analysts expect earnings to grow, which would improve the valuation.
  • PEG Ratio 1.47 — between 1.0–2.0 indicates moderate valuation relative to growth.
  • Trailing Earnings Yield 7.14% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 59.52% as earnings recover.

Overall SharesGrow Score: 53/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score
53/100
SG Score
View full scorecard →
VALUE
30/100
Price-to-Earnings & upside
Proven by this page
FUTURE
20/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
~
MOAT
59/100
→ Income
GROWTH
63/100
→ Income
INCOME
85/100
→ Income

Valuation Snapshot — CFR-PB

Valuation Multiples
P/E (TTM)14.0
Forward P/E1.7
PEG Ratio1.47
Forward PEG0.39
P/B Ratio1.99
P/S Ratio3.09
EV/EBITDA5.7
Per Share Data
EPS (TTM)$10.20
Forward EPS (Est.)$10.35
Book Value / Share$71.92
Revenue / Share$45.92
FCF / Share$3.64
Yields & Fair Value
Earnings Yield7.14%
Forward Earnings Yield59.52%
Dividend Yield2.80%
Graham Number$128.47
SharesGrow IV$242.45 (+1296.4%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 18.1 1.86 1.83 4.84 2.60%
2017 16.6 0.94 1.83 4.90 2.53%
2018 12.3 0.49 1.66 3.99 3.10%
2019 13.8 -10.71 1.57 4.10 3.02%
2020 16.5 -0.64 1.27 3.68 3.34%
2021 18.1 0.55 1.81 5.75 2.44%
2022 14.8 0.49 2.73 4.56 2.52%
2023 11.6 3.81 1.87 2.63 3.43%
2024 14.8 -5.86 2.21 3.02 2.89%
2025 12.5 0.97 1.77 2.78 3.23%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $4.70 $1.14B $304.26M 26.7%
2017 $5.51 $1.23B $364.15M 29.6%
2018 $6.90 $1.4B $454.92M 32.4%
2019 $6.81 $1.5B $443.6M 29.6%
2020 $5.09 $1.49B $331.15M 22.3%
2021 $6.74 $1.4B $443.08M 31.8%
2022 $8.79 $1.88B $579.15M 30.8%
2023 $9.08 $2.65B $597.97M 22.6%
2024 $9.06 $2.85B $582.54M 20.4%
2025 $9.92 $2.92B $648.56M 22.2%

Analyst Estimates

Year EPS (Avg) EPS Range Revenue (Avg) Revenue Range Analysts
2026 $10.29 $9.89 – $10.76 $2.39B $2.34B – $2.46B 1
2027 $10.72 $10.31 – $11.21 $2.5B $2.41B – $2.6B 1
2028 $10.81 $10.39 – $11.30 $2.62B $2.54B – $2.71B 1
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