Cullen/Frost Bankers (XTER:CFZ) GF Score: 20/100 (As of Jun. 25, 2026)


XTER:CFZ Cullen/Frost Bankers Inc XTER:CFZ
20 GF Score
Price €133.00
GF Value €119.85
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Cullen/Frost Bankers GF Score?

Cullen/Frost Bankers XTER:CFZ +0.76% 20 GF Score is 20 as of Jun. 25, 2026. GuruFocus rates XTER:CFZ with a GF Score™ of 20/100 and a GF Value™ of €119.85 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Cullen/Frost Bankers has the GF Score of 20, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 6/10
2. Profitability Rank : 5/10
3. Growth Rank : 0/10
4. GF Value Rank : 0/10
5. Momentum Rank : 0/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Cullen/Frost Bankers might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Cullen/Frost Bankers  (XTER:CFZ) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Cullen/Frost Bankers GF Score Related Terms

XTER:CFZ vs : GF Score Comparison

For the Banks - Regional subindustry, Cullen/Frost Bankers's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Cullen/Frost Bankers GF Score vs Banks Industry

For the Banks industry and Financial Services sector, Cullen/Frost Bankers's GF Score distribution charts can be found below:

* The bar in red indicates where Cullen/Frost Bankers's GF Score falls into.


XTER:CFZ
20GF Score
Cullen/Frost Bankers Inc XTER:CFZ
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 20 mean?
Cullen/Frost Bankers (XTER:CFZ) has a GF Score of 20 as of Jun. 25, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Cullen/Frost Bankers and its competitors.
Is Cullen/Frost Bankers' GF Score too high?
Cullen/Frost Bankers' current GF Score is 20. Overall, Cullen/Frost Bankers has a GF Score™ of 20/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cullen/Frost Bankers' GF Score compare to ?
Cullen/Frost Bankers' GF Score of 20 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Cullen/Frost Bankers and its competitors. Cullen/Frost Bankers's current GF Score is 20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cullen/Frost Bankers stock overvalued right now?
Based on GuruFocus' analysis, Cullen/Frost Bankers (XTER:CFZ) is currently considered Modestly Overvalued. The stock's GF Value™ is €119.85, compared to a current price of €133.00 — trading 11% above its estimated fair value. The current GF Score is 20. Cullen/Frost Bankers' overall GF Score™ is 20/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Cullen/Frost Bankers (XTER:CFZ), the current GF Score is 20 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Cullen/Frost Bankers (XTER:CFZ) Overvalued in 2026?

Based on GuruFocus' analysis, Cullen/Frost Bankers stock appears to be overvalued. The current stock price of €133.00 is trading 11% above its estimated GF Value™ of €119.85. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for XTER:CFZ:

  • GF Score: 20
  • GF Value™: €119.85 vs. price of €133.00 (11% above fair value)
  • GF Score™: 20/100 with 5 warning signs

No single metric tells the full story. See the XTER:CFZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cullen/Frost Bankers Business Description

Comparable Companies
Other Exchanges CFRpB.PFD:USACFR:USA
Address 111 W. Houston Street, San Antonio, TX, USA, 78205
Cullen/Frost is a regional US bank with around $52 billion in assets (as of March 2026), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based banking approach that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through targeted branch openings rather than acquisitions. The bank's sweet spot is small to medium-sized Texas-based commercial clients.
20GF Score

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GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€133.00
Price
€119.85
GF Value