CFR · Cullen/Frost Bankers, Inc.

Track CFR — free

$164.70 -2.63 (-1.57%) At close · Aug 19

Market Cap

$10.40B

62.15M

Up next

Next earnings call

Oct 29, 2026 Est · unconfirmed · in 10 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Jul 30, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Strong Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very Low

Market backdrop VIX 14.9 · calm Equity put/call 0.64

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +17%

above

Price vs 50-day avg +4%

above

RSI (14) 52

neutral

MACD trend Negative

52-week position 89%

near high

Momentum

relative strength

Very Strong

1-month return +2%

trailing

6-month return +14%

trailing

YTD return +30%

this year

Relative strength +4%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $159 › 200d $141 — 50d above 200d

Institutional flow Accumulating

+4% holders QoQ · +83 funds added

Insider flow Distributing

Net -$124.1K over 90 days · 100% sells

Short interest Rising

6.41% of float · ▲ +5.8% MoM · 5.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

564 holders — near 3-yr high, broad support

Squeeze score 70

high risk · 0–100

Fundamentals

Excellent

Revenue growth +8%

Y/Y

EPS growth +12%

Y/Y

Free cash flow $127.3M

Valuation P/E 15.8

rich

Buyback $140.0M

remaining

Balance sheet $4.6B

net cash

Quant / Vol

risk profile

Very Low

Volatility 21%

annualized · 1-yr

Max drawdown −12%

past year

ATR 1.9%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the Earnings Call filed Mar 31, 2024

NII sensitivity benefit per month of delayed rate cuts · the year $1.4M

Prior guidance period ended · from the Earnings Call filed Dec 31, 2024

Net interest income growth · full year 2025 4% – 6%

Full year average deposits growth · full year 2025 2% – 3%

Noninterest income growth · full year 2025 1% – 2%

Effective tax rate · full year 2025 15% – 16%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Buy

1 · 2 · 3

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+17% Bullish

Price vs 50-day avg

+4% Bullish

RSI (14)

52 Neutral

MACD trend

Negative Bearish

52-week position

89% Bullish

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $159 › 200d $141 — 50d above 200d

Institutional flow Accumulating

+4% holders QoQ · +83 funds added

Insider flow Distributing

Net -$124.1K over 90 days · 100% sells

Short interest Rising

6.41% of float · ▲ +5.8% MoM · 5.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

564 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $120 Now $165 · 89% Range high $170

vs 200-day avg +17% vs 50-day avg +4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Average deposits	42.6B	the second quarter	—

Average loans	22.6B	the second quarter of 2026	—

Common Equity Tier 1	13.95%	the end of the second quarter of 2026	—

credit loss expense	$9.8M	the second quarter of 2026	—

net charge-offs	$9.5M	the second quarter of 2026	—

Net interest margin	3.75%	the second quarter of 2026	—

Non-accrual loans	$112.7M	the end of the second quarter of 2026	—

remaining under our current repurchase authorization	$140M	the end of the second quarter	—

shares	654,955	the second quarter of 2026	—
Tier 1	14.38%	the end of the second quarter of 2026	—

Total households, including consumer and commercial customers	5.9%	June, 2025 to June, 2026	—
Total Risk-Based Capital Ratios	15.74%	the end of the second quarter of 2026	—

Allowance for credit losses on loans as a percentage of total loans	1.28%	first quarter of 2026	—
Return on average assets	1.32%	first quarter of 2026	—

Return on average common equity	15.15%	first quarter of 2026	—
Shares repurchased	507,753	first quarter of 2026	—
Total branch count	205	first quarter of 2026	—
Average total deposits	$42.2B	2025 annual	—
Average total loans	$21.2B	2025 annual	—
New financial centers opened	10	2025 annual	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
CFR Cullen/Frost Bankers, Inc. this stock	$10.40B	+30.1%	+8.3%	15.8	6.4%
MFG Mizuho Financial Group Inc	$131.93B	+45.5%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.6%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-0.6%	—	—	0.5%
PNC Pnc Financial Services Group, Inc.	$101.11B	+21.8%	+7.2%	14.0	1.8%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

564

% held: 91.6%
Net QoQ: +1.8M sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

436

View

Short & Settlement

Short Interest Rising

Shares short

4.0M

Days to cover: 5.6d
Change: +219.1K sh

View

Short Volume

Short vol %

82%

As of: Aug 19, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $5.9K
As of: Jul 28, 2026

View

Off-Exchange

Off-exchange %

43.4%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$124.1K

Buyers / Sellers: 0 / 1

Buyers Sellers

View

Congressional Trades Sell

Member

Mikie Sherrill

Amount: $1.0K–$15.0K
Traded: Feb 20, 2020

View

Financials

Revenue (FY)

$2.2B

Net income (FY): $648.6M
EPS diluted: $9.92

View

Buybacks

Authorized

$300.0M

Remaining: $140.0M

Spent Remaining

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 17, 2026
This year: 12

View

Proposed Sales

Value

$124.1K

Shares: 837
Filed: Jun 12, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 30, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
CFR	-2.0%	+1.5%	+14.3%	-1.0%	+30.1%
SPY	-0.4%	+2.6%	+10.7%	+2.7%	+12.5%
vs SPY	-1.6%	-1.1%	+3.6%	-3.7%	+17.5%

Capital returns

Latest dividend

$1.03 / share · ex May 29, 2026

Declared · upcoming

$1.03 / share · ex Aug 31, 2026

Raised 3%

Paid (TTM)

$4.03 / share · 4 payouts

Dividend yield (TTM, derived)

2.45%

Buyback program · as of Jun 30, 2026

Authorized

$300.00M

Spent (derived)

$160.00M

Remaining

$140.00M

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 39263 CUSIP 229899109 13F (30d) 507 filings 488 filers Visit website Investor relations

CFR · Cullen/Frost Bankers, Inc.

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns