Cullen/Frost Bankers (XTER:CFZ) Moat Score: 6/10 (As of Jun. 25, 2026)


XTER:CFZ Cullen/Frost Bankers Inc XTER:CFZ
20 GF Score
Price €133.00
GF Value €120.05
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Cullen/Frost Bankers Moat Score?

Cullen/Frost Bankers XTER:CFZ +0.76% 20 Moat Score is 6 as of Jun. 25, 2026. GuruFocus rates XTER:CFZ with a GF Score™ of 20/100 and a GF Value™ of €120.05 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,610 Banks companies, Cullen/Frost Bankers ranks better than 97.76% on this metric.

Cullen/Frost Bankers has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Cullen/Frost Bankers has Narrow Moat: Cullen/Frost Bankers Inc has a strong narrow moat with a robust regional market presence, customer loyalty, and economies of scale. It lacks significant intellectual property or regulatory barriers but maintains a competitive edge in its market.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Cullen/Frost Bankers might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

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

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Cullen/Frost Bankers Moat Score Related Terms

XTER:CFZ vs : Moat Score Comparison

For the Banks - Regional subindustry, Cullen/Frost Bankers's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

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

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


XTER:CFZ
20GF Score
Cullen/Frost Bankers Inc XTER:CFZ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Cullen/Frost Bankers (XTER:CFZ) has a Moat Score of 6 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Cullen/Frost Bankers ranks #36 out of 1610 companies in the Banks industry, placing it in the top 2.2%.
Is Cullen/Frost Bankers' Moat Score too high?
Cullen/Frost Bankers' current Moat Score is 6. Based on the distribution chart, Cullen/Frost Bankers ranks #36 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Moat Score compare to ?
According to the Banks industry distribution chart, Cullen/Frost Bankers ranks #36 out of 1610 companies for Moat Score. This places Cullen/Frost Bankers in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Cullen/Frost Bankers's current Moat Score is 6. 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 €120.05, compared to a current price of €133.00 — trading 10.8% above its estimated fair value. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Cullen/Frost Bankers (XTER:CFZ), the current Moat Score is 6 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 10.8% above its estimated GF Value™ of €120.05. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for XTER:CFZ:

  • Moat Score: 6
  • GF Value™: €120.05 vs. price of €133.00 (10.8% 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€133.00
Price
€120.05
GF Value