
Cullen/Frost Bankers (CFR) Stock Forecast & Price Target
Cullen/Frost Bankers (CFR) Analyst Ratings
Bulls say
Cullen/Frost Bankers demonstrated impressive growth in new loan commitments, reaching $2 billion, which reflects a notable 24% increase from the previous quarter and represents the highest fourth-quarter level recorded by the bank. The bank's noninterest income also saw a sequential increase of 8.0%, totaling $122.8 million, indicating strong performance across most income categories and robust deposit trends, which grew 10% on a linked-quarter annual basis. Additionally, management projects continued positive growth in net interest income, forecasting an increase of 4% to 6%, supported by the bank's strategic focus on the Texas market and its relationship-based banking approach.
Bears say
Cullen/Frost Bankers has experienced a slight decrease in net interest margin (NIM), falling by 3 basis points to 3.53% from the previous quarter, signaling potential challenges in its profitability amidst a competitive banking environment. Additionally, the bank's total equity and credit metrics indicate some stability, yet there remains a concern regarding increased credit costs due to potential macroeconomic deterioration, which could negatively impact loan growth and overall financial health. Furthermore, with a sequential decline in insurance revenues by 4.2% and modest growth in fee income, the bank's ability to diversify its revenue streams appears limited, raising questions about its resilience in a challenging economic landscape.
This aggregate rating is based on analysts' research of Cullen/Frost Bankers and is not a guaranteed prediction by Public.com or investment advice.
Cullen/Frost Bankers (CFR) Analyst Forecast & Price Prediction
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