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Financial Services

CFR Stock Analysis

Cullen/Frost Bankers, Inc. · current price $161.88 (+0.33% today)

Solid setup — 4/4 EPS beats, 30% net margin. Momentum, fundamentals and macro indicators are aligned.
★★★★
Quality
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The six-pillar scorecard

Momentum
59
Drifting higher
price trend
Growth
25
Barely growing
sales & profit growth
Quality
42
Some weak spots
profitability & balance sheet
Valuation
35
Getting pricey
is the price fair?
Sentiment
38
Mixed views
analyst & crowd mood
Risk
84
Low risk
volatility & drawdown

Each pillar is scored 0-100 inside the stock’s own peer group, so a chipmaker is measured against chipmakers. These are quality descriptors, not buy or sell signals.

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The picture

What drove the scoreThe seven components contributing most, each read out of 100.
Relative strengthRelative strength: 8585Earnings qualityEarnings quality: 8484FundamentalsFundamentals: 5656Analyst consensusAnalyst consensus: 5050Trend strengthTrend strength: 100100RSI zoneRSI zone: 6060Breakout proximityBreakout proximity: 6363
Margin profileWhat survives each step down the income statement.
OperatingOperating: 37.2%37.2%NetNet: 30.2%30.2%Free cash flowFree cash flow: 23.9%23.9%
EPS surpriseReported EPS against estimate, last four quarters.
2026-06: +5.2% vs estimate+5%2026-062026-03: +6.3% vs estimate+6%2026-032025-12: +14.2% vs estimate+14%2025-122025-09: +12.0% vs estimate+12%2025-09
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Hype Check

Reading CFR’s price and volume history…

The audit — what has to hold for this thesis

Checking the areas that decide this thesis…

AI-generated from the company’s own filings and recent coverage, and it can be incomplete or wrong. A PASS is a reading of the cited evidence, not a verified fact and not a reason to buy. Follow each citation to the source.

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Dilution Check

Reading CFR’s filings…

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Latest earnings

LAST EARNINGS Cullen/Frost Bankers, Inc. (CFR)

Latest earnings

EPS
$2.67 vs $2.38 est · +12.0% vs estimate BEAT
Revenue
$576.0M · +1.6% YoY
Stock reaction (1M)
-1.1%
Beat streak
4 of last 4 quarters
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Valuation

P/E
15.2×
Forward P/E
13.8×
PEG
3.60
Price / Sales
4.4×
Price / Book
2.2×
Analyst target
$170.21
Target range
$141.00 – $195.00
Implied upside
+5.1%
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Financial health

Operating margin
37.2%
Net margin
30.2%
FCF margin
23.9%
Return on equity
15.5%
Revenue growth YoY
+6.1%
EPS growth YoY
+12.8%
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Technicals

$119.0052-week range$170.80
50-day MA
$161.14
200-day MA
$142.41
ATR (14)
2.84
Beta
0.52
1-month return
-1.1%
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Earnings

QuarterEPSEst.SurpriseResult
2025-09-30$2.67$2.38+12.0%Beat
2025-12-31$2.80$2.45+14.2%Beat
2026-03-31$2.65$2.49+6.3%Beat
2026-06-30$2.70$2.57+5.2%Beat
Beat 4 of the last 4 quarters.
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Ownership & risk

Short % of float
0.00%
Dividend yield
2.55%
Beta
0.52
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Latest news on CFR

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Frequently asked

What is CFR's Quant Score?

Cullen/Frost Bankers, Inc. (CFR) currently has a TickerMover Quant Score of 63/100, rated ★★★★ Quality. The Quant Score is a quantitative composite across six research pillars — momentum, quality, growth, valuation, sentiment and risk. It is research information, not investment advice.

Is Cullen/Frost Bankers, Inc. (CFR) a buy?

TickerMover does not give buy or sell recommendations. CFR scores 63/100 (★★★★ Quality) on our quantitative research model — a screening signal, not a personal recommendation. Do your own research, and consider an FCA-authorised adviser before investing.

How often is CFR's score updated?

CFR's Quant Score and underlying data refresh through US market hours (about every five minutes), using public market and fundamental data.

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