* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Cullen/Frost Bankers's PEG Ratio or its related term are showing as below:
XTER:CFZ'
s PEG Ratio Range Over the Past 10 Years
Min: 1.25 Med: 3.13 Max: 73
Current: 73
During the past 13 years, Cullen/Frost Bankers's highest PEG Ratio was 73.00. The lowest was 1.25. And the median was 3.13.
XTER:CFZ's PEG Ratio is ranked worse than 99.35% of 1230
companies
in the Banks industry
Industry Median: 1.505
vs XTER:CFZ: 73.00
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Cullen/Frost Bankers (XTER:CFZ) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Cullen/Frost Bankers PEG Ratio Related Terms
Cullen/Frost Bankers PEG Ratio Historical Data
* Premium members only.
The historical data trend for Cullen/Frost Bankers's PEG Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Cullen/Frost Bankers's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Cullen/Frost Bankers's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Cullen/Frost Bankers's PEG Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Cullen/Frost Bankers (XTER:CFZ) has a PEG Ratio of 0.00 as of Jun. 24, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Cullen/Frost Bankers and its competitors. Over the past decade, Cullen/Frost Bankers' PEG Ratio has ranged from 1.25 to 73.00. According to the industry distribution chart, Cullen/Frost Bankers ranks #1222 out of 1230 companies in the Banks industry, placing it in the top 99.3%.
Is Cullen/Frost Bankers' PEG Ratio too high?
Cullen/Frost Bankers' current PEG Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 1.25 to a high of 73.00. Based on the distribution chart, Cullen/Frost Bankers ranks #1222 out of 1230 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Cullen/Frost Bankers has a GF Score™ of 20/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cullen/Frost Bankers' PEG Ratio compare to ?
According to the Banks industry distribution chart, Cullen/Frost Bankers ranks #1222 out of 1230 companies for PEG Ratio. This places Cullen/Frost Bankers in the lower half of its industry. The industry median PEG Ratio is 1.51. Historically, Cullen/Frost Bankers' own PEG Ratio has ranged from 1.25 to 73.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.51, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Cullen/Frost Bankers and its competitors. For the Banks industry, the median PEG Ratio is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullen/Frost Bankers's current PEG Ratio is 0.00. 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 Fairly Valued. 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 PEG Ratio is 0.00. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Cullen/Frost Bankers (XTER:CFZ), the current PEG Ratio is 0.00 as of Jun. 24, 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 Fairly Valued.
Key valuation signals for XTER:CFZ:
PEG Ratio: 0.00
GF Value™: €119.85 vs. price of €133.00 (11% above fair value)
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 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.
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