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How to buy Cullen/Frost Bankers stock | $95.6

Own Cullen/Frost Bankers stock in just a few minutes.

Fact checked

Cullen/Frost Bankers, Inc is a banks-regional business based in the US. Cullen/Frost Bankers shares (CFR) are listed on the NYSE and all prices are listed in US Dollars. Cullen/Frost Bankers employs 4,659 staff and has a trailing 12-month revenue of around USD$1.2 billion.

How to buy shares in Cullen/Frost Bankers

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Cullen/Frost Bankers. Find the stock by name or ticker symbol: CFR. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Cullen/Frost Bankers reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$95.6, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Cullen/Frost Bankers, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Cullen/Frost Bankers. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Cullen/Frost Bankers share price

Use our graph to track the performance of CFR stocks over time.

Cullen/Frost Bankers shares at a glance

Information last updated 2020-12-27.
Latest market closeUSD$95.6
52-week rangeUSD$46.4105 - USD$95.1742
50-day moving average USD$85.0724
200-day moving average USD$74.2603
Wall St. target priceUSD$79.08
PE ratio 16.4498
Dividend yield USD$2.88 (3.29%)
Earnings per share (TTM) USD$5.318

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Cullen/Frost Bankers stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Cullen/Frost Bankers price performance over time

Historical closes compared with the close of $95.6 from 2021-01-11

1 week (2021-01-11) 95.6
1 month (2020-12-18) 11.03%
3 months (2020-10-16) 39.22%
6 months (2020-07-17) 36.94%
1 year (2020-01-17) -0.56%
2 years (2019-01-18) -4.30%
3 years (2018-01-18) 100.15
5 years (2016-01-15) 103.02%

Is Cullen/Frost Bankers under- or over-valued?

Valuing Cullen/Frost Bankers stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Cullen/Frost Bankers's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Cullen/Frost Bankers's P/E ratio

Cullen/Frost Bankers's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 16x. In other words, Cullen/Frost Bankers shares trade at around 16x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Cullen/Frost Bankers's PEG ratio

Cullen/Frost Bankers's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 3.4462. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Cullen/Frost Bankers's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Cullen/Frost Bankers financials

Revenue TTM USD$1.2 billion
Operating margin TTM 31.41%
Gross profit TTM USD$1.3 billion
Return on assets TTM 0.95%
Return on equity TTM 8.7%
Profit margin 28.44%
Book value $65.067
Market capitalisation USD$5.5 billion

TTM: trailing 12 months

Shorting Cullen/Frost Bankers shares

There are currently 2.0 million Cullen/Frost Bankers shares held short by investors – that's known as Cullen/Frost Bankers's "short interest". This figure is 2.6% down from 2.0 million last month.

There are a few different ways that this level of interest in shorting Cullen/Frost Bankers shares can be evaluated.

Cullen/Frost Bankers's "short interest ratio" (SIR)

Cullen/Frost Bankers's "short interest ratio" (SIR) is the quantity of Cullen/Frost Bankers shares currently shorted divided by the average quantity of Cullen/Frost Bankers shares traded daily (recently around 281350.28571429). Cullen/Frost Bankers's SIR currently stands at 7. In other words for every 100,000 Cullen/Frost Bankers shares traded daily on the market, roughly 7000 shares are currently held short.

However Cullen/Frost Bankers's short interest can also be evaluated against the total number of Cullen/Frost Bankers shares, or, against the total number of tradable Cullen/Frost Bankers shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Cullen/Frost Bankers's short interest could be expressed as 0.03% of the outstanding shares (for every 100,000 Cullen/Frost Bankers shares in existence, roughly 30 shares are currently held short) or 0.0461% of the tradable shares (for every 100,000 tradable Cullen/Frost Bankers shares, roughly 46 shares are currently held short).

A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Cullen/Frost Bankers.

Find out more about how you can short Cullen/Frost Bankers stock.

Cullen/Frost Bankers's environmental, social and governance track record

Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Cullen/Frost Bankers.

When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.

Cullen/Frost Bankers's total ESG risk score

Total ESG risk: 32.31

Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Cullen/Frost Bankers's overall score of 32.31 (as at 01/01/2019) is nothing to write home about – landing it in it in the 46th percentile of companies rated in the same sector.

ESG scores are increasingly used to estimate the level of risk a company like Cullen/Frost Bankers is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).

Cullen/Frost Bankers's environmental score

Environmental score: 5.37/100

Cullen/Frost Bankers's environmental score of 5.37 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Cullen/Frost Bankers is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.

Cullen/Frost Bankers's social score

Social score: 17.22/100

Cullen/Frost Bankers's social score of 17.22 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Cullen/Frost Bankers is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.

Cullen/Frost Bankers's governance score

Governance score: 19.21/100

Cullen/Frost Bankers's governance score puts it squarely in the 7th percentile of companies rated in the same sector. That could suggest that Cullen/Frost Bankers is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.

Cullen/Frost Bankers's controversy score

Controversy score: 1/5

ESG scores also evaluate any incidences of controversy that a company has been involved in. Cullen/Frost Bankers scored a 1 out of 5 for controversy – the highest score possible, reflecting that Cullen/Frost Bankers has managed to keep its nose clean.

Environmental, social, and governance (ESG) summary

Cullen/Frost Bankers, Inc was last rated for ESG on: 2019-01-01.

Total ESG score 32.31
Total ESG percentile 45.65
Environmental score 5.37
Environmental score percentile 7
Social score 17.22
Social score percentile 7
Governance score 19.21
Governance score percentile 7
Level of controversy 1

Cullen/Frost Bankers share dividends

50%

Dividend payout ratio: 49.5% of net profits

Recently Cullen/Frost Bankers has paid out, on average, around 49.5% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.29% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Cullen/Frost Bankers shareholders could enjoy a 3.29% return on their shares, in the form of dividend payments. In Cullen/Frost Bankers's case, that would currently equate to about $2.88 per share.

While Cullen/Frost Bankers's payout ratio might seem fairly standard, it's worth remembering that Cullen/Frost Bankers may be investing much of the rest of its net profits in future growth.

Cullen/Frost Bankers's most recent dividend payout was on 15 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 27 November 2020 (the "ex-dividend date").

Have Cullen/Frost Bankers's shares ever split?

Cullen/Frost Bankers's shares were split on a 2:1 basis on 23 June 1999. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Cullen/Frost Bankers shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Cullen/Frost Bankers shares which in turn could have impacted Cullen/Frost Bankers's share price.

Cullen/Frost Bankers share price volatility

Over the last 12 months, Cullen/Frost Bankers's shares have ranged in value from as little as $46.4105 up to $95.1742. A popular way to gauge a stock's volatility is its "beta".

CFR.US volatility(beta: 1.58)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Cullen/Frost Bankers's is 1.579. This would suggest that Cullen/Frost Bankers's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

Cullen/Frost Bankers overview

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer banking services in Texas. It operates in two segments, Banking and Frost Wealth Advisors. The company offers commercial banking services to corporations and other business clients, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; commercial leasing; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds, and foreign exchange services. Further, it acts as a correspondent for approximately 184 financial institutions; offers trust, investment, agency, and custodial services for individual and corporate clients; provides capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and supports international business activities. Additionally, the company offers insurance and securities brokerage services; holds securities for investment purposes; and provides loans to qualified borrowers, as well as investment management services to Frost-managed mutual funds, institutions, and individuals. It operates approximately 142 financial centers and 1,200 ATMs. The company serves the energy, manufacturing, services, construction, retail, telecommunications, health care, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

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