CFR (Cullen/Frost Bankers) Tariff Resilience Score: 9/10 (As of Jun. 30, 2026)


CFR Cullen/Frost Bankers Inc CFR
72 GF Score
Price $154.52
GF Value $136.24
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Cullen/Frost Bankers Tariff Resilience Score?

Cullen/Frost Bankers CFR -0.16% 72 Tariff Resilience Score is 9 as of Jun. 30, 2026. GuruFocus rates CFR with a GF Score™ of 72/100 and a GF Value™ of $136.24 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,609 Banks companies, Cullen/Frost Bankers ranks better than 99.25% on this metric.

Cullen/Frost Bankers has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Cullen/Frost Bankers has As a financial institution, CFR has minimal direct exposure to tariffs. Its operations are primarily domestic, and it benefits from a stable regulatory environment, providing high tariff resilience.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Cullen/Frost Bankers might have Highly Resilient.

Cullen/Frost Bankers  (NYSE:CFR) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Cullen/Frost Bankers Tariff Resilience Score Related Terms

CFR vs SSB, ONB, ZION: Tariff Resilience Score Comparison

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

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

* The bar in red indicates where Cullen/Frost Bankers's Tariff Resilience Score falls into.


CFR
72GF Score
Cullen/Frost Bankers Inc CFR
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Cullen/Frost Bankers (CFR) has a Tariff Resilience Score of 9 as of Jun. 30, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Cullen/Frost Bankers ranks #12 out of 1609 companies in the Banks industry, placing it in the top 0.7%.
Is Cullen/Frost Bankers' Tariff Resilience Score too high?
Cullen/Frost Bankers' current Tariff Resilience Score is 9. Based on the distribution chart, Cullen/Frost Bankers ranks #12 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Cullen/Frost Bankers has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cullen/Frost Bankers' Tariff Resilience Score compare to SSB and ONB?
According to the Banks industry distribution chart, Cullen/Frost Bankers ranks #12 out of 1609 companies for Tariff Resilience Score. This places Cullen/Frost Bankers in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Cullen/Frost Bankers's current Tariff Resilience Score is 9. 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 $136.24, compared to a current price of $154.52 — trading 13.4% above its estimated fair value. The current Tariff Resilience Score is 9. Cullen/Frost Bankers' overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Cullen/Frost Bankers (CFR), the current Tariff Resilience Score is 9 as of Jun. 30, 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 $154.52 is trading 13.4% above its estimated GF Value™ of $136.24. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for CFR:

  • Tariff Resilience Score: 9
  • GF Value™: $136.24 vs. price of $154.52 (13.4% 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

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

$154.52
Price
$136.24
GF Value