Stock Valuation / CFR
Is Cullen/Frost Bankers, Inc. (CFR) Overvalued? Fair Value & 5-Year Target
Cullen/Frost Bankers, Inc. trades at $151.56 (P/E 14.33). Our reference model estimates a fair value of $141.07 at its recent average P/E of 13.33.
| Current price | $151.56 |
|---|---|
| Current EPS | $10.58 |
| Current P/E | 14.33 |
| Average P/E | 13.33 |
| Fair value (at avg P/E) | $141.07 |
| Upside to fair value | -6.9% |
| Illustrative 5-yr target (25× P/E, 15% growth) | $532.00 |
What drives CFR's valuation
Changing either assumption moves the target: a higher P/E multiple or faster EPS growth raises fair value, a lower multiple or slower growth lowers it. The interactive dashboard lets you edit both and re-run the model instantly.
About Cullen/Frost Bankers, Inc.
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services,
Frequently asked questions
What is CFR's fair value?
At its recent average P/E of 13.33, Cullen/Frost Bankers, Inc. (CFR) has a reference fair value of about $141.07, which is -6.9% versus the current price of $151.56.
Is Cullen/Frost Bankers, Inc. (CFR) overvalued or undervalued?
Based on the average-P/E reference model, Cullen/Frost Bankers, Inc. looks overvalued relative to fair value by roughly +6.9%. This is a model output, not investment advice — change the P/E and growth assumptions in the dashboard for your own view.
What is a 5-year price target for CFR?
Under an illustrative model of 25× P/E and 15% annual EPS growth, the implied 5-year target is $532.00. Adjust both inputs on the interactive page to match your assumptions.
Open the interactive CFR valuation dashboard →
Figures are for informational purposes only and are not investment advice. Data as of 2026-10-14.