Cullen/Frost Bankers (XTER:CFZ) ROCE %: % (As of Mar. 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 ROCE %?

Cullen/Frost Bankers XTER:CFZ +0.76% 20 ROCE % is % as of Mar. 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.

ROCE % does not apply to banks and insurance companies.

XTER:CFZ
20GF Score
Cullen/Frost Bankers Inc XTER:CFZ
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Cullen/Frost Bankers (XTER:CFZ) has a ROCE % of % as of Mar. 2026.
Is Cullen/Frost Bankers' ROCE % too high?
Cullen/Frost Bankers' current ROCE % is %. 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' ROCE % compare to ?
Cullen/Frost Bankers' ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullen/Frost Bankers's current ROCE % is %. 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 ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Cullen/Frost Bankers (XTER:CFZ), the current ROCE % is % as of Mar. 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:

  • ROCE %: %
  • 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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€133.00
Price
€120.05
GF Value