CFR (Cullen/Frost Bankers) Altman Z-Score


CFR Cullen/Frost Bankers Inc CFR
73 GF Score
Price $150.90
GF Value $136.21
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Cullen/Frost Bankers Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

CFR
73GF Score
Cullen/Frost Bankers Inc CFR
Altman Z-Score 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 $150.90 is trading 10.8% above its estimated GF Value™ of $136.21. GuruFocus considers Cullen/Frost Bankers to be Modestly Overvalued.

Key valuation signals for CFR:

  • Altman Z-Score:
  • GF Value™: $136.21 vs. price of $150.90 (10.8% above fair value)
  • GF Score™: 73/100 with 5 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.
73GF Score

Get the complete analysis for CFR

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

$150.90
Price
$136.21
GF Value