What Is Cullen/Frost Bankers, Inc. (CFR) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Cullen/Frost Bankers, Inc.'s intrinsic value is estimated at a composite $188.99, showing conflicting signals at the current price of $157.82. While the average implied return is +19.7%, model disagreement is elevated with a gap of +164.2% between the most bullish and bearish estimates. The most optimistic model, Bayesian DCF, places fair value at $347.75 (+120.3%), while EPV — the most conservative — estimates $88.55 (-43.9%). This +164.2% gap reflects genuine analytical uncertainty about Cullen/Frost Bankers, Inc.'s intrinsic worth.
What Do the Models Say About CFR?
12 of 13 models are currently active for CFR. Of these, 7 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates CFR's intrinsic value at $347.75, implying +120.3% upside from the current price. See which stocks rank higher →
How Does CFR Rank in National Commercial Banks?
Among 90 National Commercial Banks stocks, CFR ranks #15 by Quality of Company score. CirclFi's QOC score of 8.8/10 evaluates 32 fundamental signals. A score of 8.8 places CFR in the top tier.
See all Most Undervalued National Commercial Banks Stocks →
Within the National Commercial Banks space, Cullen/Frost Bankers, Inc. competes in an environment where non-performing loan ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is CFR a Value Trap?
The Value Trap algorithm is not active for CFR. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Cullen/Frost Bankers, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, Cullen/Frost Bankers, Inc.'s fundamental quality profile registers 8.8/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +164.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every CFR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across CFR's 12 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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