CFR (Cullen/Frost Bankers) Growth Rank: 7 (As of Aug. 09, 2026) — 17% Above Median

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CFR Cullen/Frost Bankers Inc CFR
78 GF Score
Price $164.50
GF Value $138.62
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Cullen/Frost Bankers Growth Rank?

Cullen/Frost Bankers CFR -0.16% 78 Growth Rank is 7 as of Aug. 09, 2026, which is 17% above its 10-year median of 6.00. GuruFocus rates CFR with a GF Score™ of 78/100 and a GF Value™ of $138.62 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Cullen/Frost Bankers has the Growth Rank of 7.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Cullen/Frost Bankers Growth Rank Related Terms

CFR vs SSB, ONB, ZION: Growth Rank Comparison

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

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

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


CFR
78GF Score
Cullen/Frost Bankers Inc CFR
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 7 mean?
Cullen/Frost Bankers (CFR) has a Growth Rank of 7 as of Aug. 09, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Cullen/Frost Bankers and its competitors. This is 17% above median its historical median of 6.00. Over the past decade, Cullen/Frost Bankers' Growth Rank has ranged from 1.00 to 10.00.
Is Cullen/Frost Bankers' Growth Rank too high?
Cullen/Frost Bankers' current Growth Rank of 7 is 17% above median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Cullen/Frost Bankers has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cullen/Frost Bankers' Growth Rank compare to SSB and ONB?
Cullen/Frost Bankers' Growth Rank of 7 can be compared against companies in the Banks industry. Historically, Cullen/Frost Bankers' own Growth Rank has ranged from 1.00 to 10.00 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 Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Cullen/Frost Bankers and its competitors. Cullen/Frost Bankers's current Growth Rank is 7, which is 17% above median its own 10-year median of 6.00. 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 (CFR) is currently considered Modestly Overvalued. The stock's GF Value™ is $138.62, compared to a current price of $164.50 — trading 18.7% above its estimated fair value. The current Growth Rank is 7, which is 17% above median its 10-year median of 6.00. Cullen/Frost Bankers' overall GF Score™ is 78/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Cullen/Frost Bankers (CFR), the current Growth Rank is 7 as of Aug. 09, 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 (CFR) Overvalued in 2026?

Based on GuruFocus' analysis, Cullen/Frost Bankers stock appears to be overvalued. The current stock price of $164.50 is trading 18.7% above its estimated GF Value™ of $138.62. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for CFR:

  • Growth Rank: 7 (17% above median its 10-year median of 6.00)
  • GF Value™: $138.62 vs. price of $164.50 (18.7% above fair value)
  • GF Score™: 78/100 with 7 warning signs

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

Cullen/Frost Bankers Business Description

Other Exchanges CFRpB.PFD:USACFZ:Germany
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.
78GF Score

Get the complete analysis for CFR

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

$164.50
Price
$138.62
GF Value