Cullen/Frost Bankers Inc
NYSE:CFR
Decide at what price you'd be comfortable buying and we'll help you stay ready.
|
Johnson & Johnson
NYSE:JNJ
|
US |
|
Berkshire Hathaway Inc
NYSE:BRK.A
|
US |
|
Bank of America Corp
NYSE:BAC
|
US |
|
Mastercard Inc
NYSE:MA
|
US |
|
UnitedHealth Group Inc
NYSE:UNH
|
US |
|
Exxon Mobil Corp
NYSE:XOM
|
US |
|
Pfizer Inc
NYSE:PFE
|
US |
|
Nike Inc
NYSE:NKE
|
US |
|
Visa Inc
NYSE:V
|
US |
|
Alibaba Group Holding Ltd
NYSE:BABA
|
CN |
|
JPMorgan Chase & Co
NYSE:JPM
|
US |
|
Coca-Cola Co
NYSE:KO
|
US |
|
Verizon Communications Inc
NYSE:VZ
|
US |
|
Chevron Corp
NYSE:CVX
|
US |
|
Walt Disney Co
NYSE:DIS
|
US |
|
PayPal Holdings Inc
NASDAQ:PYPL
|
US |
P/E
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Valuation Scenarios
If P/E returns to its 3-Year Average (11.4), the stock would be worth $114.3 (20% downside from current price).
| Scenario | P/E Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 14.3 | $143.56 |
0%
|
| 3-Year Average | 11.4 | $114.3 |
-20%
|
| 5-Year Average | 13.7 | $137.97 |
-4%
|
| Industry Average | 13.5 | $135.36 |
-6%
|
| Country Average | 22.9 | $229.74 |
+60%
|
Forward P/E
Today’s price vs future net income
| Today's Market Cap | Net Income | Forward P/E | ||
|---|---|---|---|---|
|
$9B
|
/ |
Jan 2026
$635.5m
|
= |
|
|
$9B
|
/ |
Dec 2026
$649.4m
|
= |
|
|
$9B
|
/ |
Dec 2027
$669.1m
|
= |
|
|
$9B
|
/ |
Dec 2028
$676m
|
= |
|
|
$9B
|
/ |
Dec 2029
$700.8m
|
= |
|
|
$9B
|
/ |
Dec 2030
$769.4m
|
= |
|
|
$9B
|
/ |
Dec 2031
$856.6m
|
= |
|
|
$9B
|
/ |
Dec 2032
$948.8m
|
= |
|
|
$9B
|
/ |
Dec 2033
$1B
|
= |
|
Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.
Peer Comparison
| Market Cap | P/E | ||||
|---|---|---|---|---|---|
| US |
|
Cullen/Frost Bankers Inc
NYSE:CFR
|
9.1B USD | 14.3 | |
| US |
|
PNC Financial Services Group Inc
NYSE:PNC
|
89B USD | 13 | |
| US |
|
Truist Financial Corp
NYSE:TFC
|
63.8B USD | 12.3 | |
| US |
|
Fifth Third Bancorp
NASDAQ:FITB
|
45.6B USD | 22.5 | |
| US |
|
Huntington Bancshares Inc
NASDAQ:HBAN
|
33.5B USD | 16.2 | |
| US |
|
M&T Bank Corp
NYSE:MTB
|
32B USD | 11.6 | |
| CN |
|
Bank of Ningbo Co Ltd
SZSE:002142
|
216.9B CNY | 7.9 | |
| CN |
|
Bank of Jiangsu Co Ltd
SSE:600919
|
206.3B CNY | 6.5 | |
| JP |
|
Resona Holdings Inc
TSE:8308
|
4.5T JPY | 17 | |
| US |
|
Citizens Financial Group Inc
NYSE:CFG
|
27.6B USD | 15.1 | |
| US |
|
Regions Financial Corp
NYSE:RF
|
24.1B USD | 11.4 |
Market Distribution
| Min | 0 |
| 30th Percentile | 15.3 |
| Median | 22.9 |
| 70th Percentile | 33.2 |
| Max | 1 826 183.3 |
Other Multiples
Cullen/Frost Bankers Inc
Glance View
Cullen/Frost Bankers Inc., with its stalwart presence in the financial landscape, weaves a rich narrative of enduring legacy and modern acumen. Founded in 1868 as Frost Bank in San Antonio, Texas, this venerable institution has grown to become a formidable force in regional banking. Its story is rooted in a commitment to relationship banking, focusing on personalized customer service, which sets it apart in an industry often dominated by digital interactions. The bank thrives by serving a diverse clientele, including private individuals, small businesses, and large corporations, offering a range of services that span commercial and consumer banking, wealth management, and investment advisory services. The company's financial strength pivots on a robust model of generating income primarily through net interest margins. This involves leveraging deposits to issue loans — from commercial and industrial loans to real estate and consumer loans — and earning the spread between interest paid on deposits and interest received on loans. Additionally, Cullen/Frost supplements its income with non-interest revenue streams, including fees from wealth management, treasury management services, and insurance products. By focusing keenly on disciplined credit underwriting and prudent risk management, Cullen/Frost not only sustains its profitability but also fortifies its reputation as a resilient, trusted financial partner across the Lone Star State.
