Q4 EPS Forecast for Cullen/Frost Bankers Boosted by Analyst

Cullen/Frost Bankers, Inc. (NYSE:CFR) – Stock analysts at Zacks Research increased their Q4 2025 earnings per share (EPS) estimates for shares of Cullen/Frost Bankers in a report issued on Tuesday, February 18th. Zacks Research analyst R. Department now forecasts that the bank will post earnings per share of $2.06 for the quarter, up from their prior forecast of $1.78. The consensus estimate for Cullen/Frost Bankers’ current full-year earnings is $8.85 per share. Zacks Research also issued estimates for Cullen/Frost Bankers’ Q1 2026 earnings at $1.98 EPS and Q2 2026 earnings at $2.10 EPS.

Cullen/Frost Bankers (NYSE:CFR) last issued its earnings results on Thursday, January 30th. The bank reported $2.36 EPS for the quarter, beating the consensus estimate of $2.17 by $0.19. Cullen/Frost Bankers had a return on equity of 15.95% and a net margin of 20.44%.

A number of other research firms also recently issued reports on CFR. Evercore ISI raised their price target on Cullen/Frost Bankers from $136.00 to $144.00 and gave the stock an “underperform” rating in a research note on Monday, February 10th. Compass Point lifted their target price on Cullen/Frost Bankers from $122.00 to $145.00 and gave the stock a “neutral” rating in a report on Tuesday, December 10th. Royal Bank of Canada restated a “sector perform” rating and set a $144.00 price objective on shares of Cullen/Frost Bankers in a research report on Friday, January 31st. Citigroup upped their target price on Cullen/Frost Bankers from $104.00 to $113.00 and gave the company a “sell” rating in a research note on Monday, November 4th. Finally, Keefe, Bruyette & Woods increased their price objective on Cullen/Frost Bankers from $140.00 to $148.00 and gave the stock a “market perform” rating in a research note on Monday, February 3rd. Four analysts have rated the stock with a sell rating, eight have issued a hold rating and two have given a buy rating to the company. According to MarketBeat, the stock presently has a consensus rating of “Hold” and an average target price of $132.54.

Cullen/Frost Bankers Stock Performance

CFR stock opened at $142.34 on Friday. The company has a market cap of $9.14 billion, a P/E ratio of 16.05, a price-to-earnings-growth ratio of 6.58 and a beta of 0.99. Cullen/Frost Bankers has a 1 year low of $94.09 and a 1 year high of $147.64. The company has a debt-to-equity ratio of 0.06, a current ratio of 0.68 and a quick ratio of 0.68. The stock’s fifty day moving average price is $138.35 and its 200-day moving average price is $127.36.

Institutional Inflows and Outflows

Several institutional investors and hedge funds have recently added to or reduced their stakes in CFR. Arizona State Retirement System lifted its position in Cullen/Frost Bankers by 0.4% in the 4th quarter. Arizona State Retirement System now owns 17,651 shares of the bank’s stock valued at $2,370,000 after purchasing an additional 74 shares during the last quarter. UMB Bank n.a. raised its holdings in shares of Cullen/Frost Bankers by 45.8% in the 4th quarter. UMB Bank n.a. now owns 245 shares of the bank’s stock worth $33,000 after purchasing an additional 77 shares in the last quarter. Ballentine Partners LLC increased its position in shares of Cullen/Frost Bankers by 3.7% in the fourth quarter. Ballentine Partners LLC now owns 2,164 shares of the bank’s stock worth $291,000 after acquiring an additional 77 shares in the last quarter. Quadrant Capital Group LLC grew its position in Cullen/Frost Bankers by 4.3% during the fourth quarter. Quadrant Capital Group LLC now owns 2,086 shares of the bank’s stock valued at $280,000 after purchasing an additional 86 shares in the last quarter. Finally, Keene & Associates Inc. grew its position in Cullen/Frost Bankers by 1.7% during the third quarter. Keene & Associates Inc. now owns 5,240 shares of the bank’s stock valued at $586,000 after purchasing an additional 89 shares in the last quarter. 86.90% of the stock is currently owned by institutional investors and hedge funds.

Insider Activity at Cullen/Frost Bankers

In related news, insider Paul Bracher sold 11,500 shares of the stock in a transaction dated Friday, January 31st. The shares were sold at an average price of $139.45, for a total transaction of $1,603,675.00. Following the completion of the transaction, the insider now directly owns 102,946 shares of the company’s stock, valued at $14,355,819.70. This represents a 10.05 % decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is available at this link. 2.89% of the stock is owned by corporate insiders.

Cullen/Frost Bankers Dividend Announcement

The company also recently announced a quarterly dividend, which will be paid on Friday, March 14th. Investors of record on Friday, February 28th will be paid a dividend of $0.95 per share. The ex-dividend date of this dividend is Friday, February 28th. This represents a $3.80 dividend on an annualized basis and a dividend yield of 2.67%. Cullen/Frost Bankers’s payout ratio is currently 42.84%.

Cullen/Frost Bankers Company Profile

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, as well as originates commercial leasing services.