CFR (Cullen/Frost Bankers) Risk Assessment

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What is Cullen/Frost Bankers Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Cullen/Frost Bankers is: High Risk: High uncertainty with risk-return tradeoff.

Competitive Comparison of Cullen/Frost Bankers's Risk Assessment

For the Banks - Regional subindustry, Cullen/Frost Bankers's Risk Assessment, along with its competitors' market caps and Risk Assessment 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's Risk Assessment Distribution in the Banks Industry

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

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

Cullen/Frost Bankers (NYSE:CFR) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Cullen/Frost Bankers Risk Assessment Related Terms

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Cullen/Frost Bankers Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Cullen/Frost Bankers Inc (NYSE:CFR) » Definitions » Risk Assessment

Comparable Companies

Traded in Other Exchanges

CFRpB.PFD:USA

Address

111 W. Houston Street, San Antonio, TX, USA, 78205

Website

https://www.frostbank.com

Cullen/Frost is a regional us bank with around $50 billion in assets (as of 2023 year-end), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based approach to banking that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through branch openings. The bank's sweet spot is small to medium-size Texas-based commercial clients.

Executives

Phillip D Green	officer: Group EVP / CFO	100 WEST HOUSTON ST, SAN ANTONIO TX 78205
Howard L. Kasanoff	officer: GEVP Chief Credit Officer	111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205
Bobby Berman	officer: Group Executive Vice President	100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Candace K Wolfshohl	officer: Group Executive Vice President	100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Paul Bracher	officer: President	100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Patrick B Frost	director, other: Member Executive Committee	100 WEST HOUSTON ST, SAN ANTONIO TX 78205
Howard Willome John	director	111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205
Chris Avery	director	510 POST OAK ROAD, FREDERICKSBURG TX 78624
Carol Jean Severyn	officer: GEVP and Chief Risk Officer	100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Joseph A. Pierce	director	111 WEST HOUSTON STREET, SUITE 100, SAN ANTONIO TX 78205
William L Perotti	officer: Group Executive Vice President	100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Jerry Salinas	officer: Chief Financial Officer	100 WEST HOUSTON STREET, SAN ANTONIO TX 78205
Anthony R Chase	director	10307 PACIFIC CENTER COURT, SAN DIEGO CA 92121
Linda B. Rutherford	director	2702 LOVE FIELD DRIVE, HDQ 4GC, DALLAS TX 75235
Annette M Alonzo	officer: Group Executive Vice President	100 WEST HOUSTON STREET, SAN ANTONIO TX 78205