SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Cullen/Frost Bankers, Inc. (CFR) trades at a trailing P/E of 14.0, forward P/E of 13.8. Trailing earnings yield is 7.16%, forward earnings yield 7.27%. PEG 1.47. Graham Number is $128.47.
Criteria proven by this page:
- VALUE (38/100, Fail) — the composite valuation score falls below the 60/100 threshold required to pass.
- Forward P/E 13.8 (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 7.16% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 7.27% as earnings recover.
- Analyst consensus target $153.33 (+7.7% upside) — modest upside expected.
Overall SharesGrow Score: 57/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✗
VALUE
38/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CFR
Valuation Multiples
P/E (TTM)14.0
Forward P/E13.8
PEG Ratio1.47
Forward PEG3.20
P/B Ratio1.98
P/S Ratio3.08
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 Yield7.16%
Forward Earnings Yield7.27%
Dividend Yield2.81%
Graham Number$128.47
SharesGrow IV$245.72 (+72.6%)
Analyst Target$153.33 (+7.7%)
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% |
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 |
$9.90 – $10.70 |
$2.39B |
$2.37B – $2.4B |
11 |
| 2027 |
$10.72 |
$10.31 – $11.27 |
$2.5B |
$2.47B – $2.52B |
10 |
| 2028 |
$10.81 |
$10.49 – $11.13 |
$2.62B |
$2.59B – $2.65B |
2 |
