CFR (Cullen/Frost Bankers) Quality Rank


CFR Cullen/Frost Bankers Inc CFR
72 GF Score
Price $155.39
GF Value $136.62
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Cullen/Frost Bankers Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Cullen/Frost Bankers Quality Rank Related Terms

CFR
72GF Score
Cullen/Frost Bankers Inc CFR
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $155.39 is trading 13.7% above its estimated GF Value™ of $136.62. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for CFR:

  • Quality Rank:
  • GF Value™: $136.62 vs. price of $155.39 (13.7% above fair value)
  • GF Score™: 72/100 with 6 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.
72GF Score

Get the complete analysis for CFR

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

$155.39
Price
$136.62
GF Value