CFR
Cullen/Frost Bankers, Inc.
$156.86
+1.71 (+1.10%)
At close · Jul 10
Market Cap
$9.85B
Shares
62,797,048
Price & Indicators
Indicators
Price
Panels
Event markers
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$156.86
Open$156.05
Day$155.51–157.69
52W$117.23–157.69
Avg vol 30d472K
Short int3.6M · 5.7% float · 5.3d
Short vol83%
Last earningsApr 30, 2026
DataJan 2020–Jul 2026
Filing10-Q · Apr 30
Up next
Next earnings call
Jul 30, 2026
Est · unconfirmed
· in 3 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Apr 30, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment advice
Overall
Strong Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Bearish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15 · calm
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
+9%
above
RSI (14)
67
neutral
MACD trend
Positive
52-week position
98%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+8%
trailing
6-month return
+14%
trailing
YTD return
+25%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $144 › 200d $136 — 50d above 200d
Institutional flow
Distributing
22 of 537 funds reported for Jun 30 · net -2.0K sh shares · +2 new
Insider flow
Distributing
Net -$124.1K over 90 days · 100% sells
Short interest
Rising
5.74% of float · ▲ +1.8% MoM · 5.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
537 holders — near 3-yr high, broad support
Squeeze score
70
high risk · 0–100
Fundamentals
Revenue growth
+8%
Y/Y
EPS growth
+12%
Y/Y
Free cash flow
$127.3M
Valuation
P/E 15.3
in line
Buyback
$300.0M
authorized
Balance sheet
$4.6B
net cash
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
1.8%
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.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+16%
Bullish
Price vs 50-day avg
+9%
Bullish
RSI (14)
67
Neutral
MACD trend
Positive
Bullish
52-week position
98%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $144 › 200d $136 — 50d above 200d
Institutional flow
Distributing
22 of 537 funds reported for Jun 30 · net -2.0K sh shares · +2 new
Insider flow
Distributing
Net -$124.1K over 90 days · 100% sells
Short interest
Rising
5.74% of float · ▲ +1.8% MoM · 5.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
537 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $117
Now $157 · 98%
52-wk high $158
vs 200-day avg +16%
vs 50-day avg +9%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses on loans as a percentage of total loans | 1.28% | March 31, 2026 | — |
| Branches/Location count | 205 | first quarter of 2026 | — |
| Common Equity Tier 1 Capital Ratio | 14.07% | end of the first quarter of 2026 | — |
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| Net charge-offs | $5.7M | first quarter of 2026 | — |
| Net interest margin | 3.74% | first quarter of 2026 | — |
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| Non-accrual loans | $72.4M | end of the first quarter of 2026 | — |
| Tier 1 Risk-Based Capital Ratio | 14.51% | end of the first quarter of 2026 | — |
| Total Risk-Based Capital Ratio | 15.89% | end of the first quarter of 2026 | — |
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| 90-day weighted pipeline | 2B | the first quarter call | — |
| Agency MBS purchase yield | 5.09% | the first quarter call | — |
| Agency MBS purchases | 618M | the first quarter call | — |
| average deposits | 42.2B | the first quarter call | — |
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| average investment portfolio | 19.9B | the first quarter call | — |
| average loans | 22B | the first quarter call | — |
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| branch expansion deposits | 3.6B | the first quarter call | — |
| branch expansion EPS accretion | $0.14 | the first quarter call | — |
| branch expansion loans | 2.9B | the first quarter call | — |
| branch expansion new households | 95,000 | the first quarter call | — |
| consumer checking households growth | 5.3% | year-over-year call | — |
| consumer loan balances growth | 19% | year-over-year call | — |
| consumer loan growth | 154M | the first quarter call | — |
| cost of interest-bearing deposits | 1.55% | the first quarter call | — |
| customer repos | 4.2B | the first quarter call | — |
| investment portfolio duration | 5.2 | the first quarter call | — |
| investment portfolio tax equivalent yield | 3.85% | the first quarter call | — |
| investment purchases | 2.3B | the first quarter call | — |
| loan pipeline (new opportunities) | 6.8B | the first quarter call | — |
| mortgage loan growth | 124M | the first quarter call | — |
| mortgage total outstanding balances | 719M | the first quarter call | — |
| municipal purchase yield (tax equivalent) | 5.71% | the first quarter call | — |
| municipal purchases | 423M | the first quarter call | — |
| net unrealized loss on available-for-sale portfolio | 1.15B | the first quarter call | — |
| new commercial relationships | 1,016 | the first quarter call | — |
| nonperforming assets | 73M | the first quarter call | — |
| tax-exempt municipal portfolio | 7.1B | the first quarter call | — |
| tax-exempt municipal portfolio taxable equivalent yield | 4.73% | the first quarter call | — |
| taxable portfolio | 12.7B | the first quarter call | — |
| taxable portfolio yield | 3.39% | the first quarter call | — |
| total problem loans | 989M | the first quarter call | — |
| Treasury purchase yield | 3.66% | the first quarter call | — |
| Treasury purchases | 1.23B | the first quarter call | — |
| authorized stock repurchase program | $300M | fourth quarter of 2025 | — |
| average total deposits | 42.2B | full year 2025 | — |
| average total loans | 21.2B | full year 2025 | — |
| new financial centers opened during 2025 | 10 | full year 2025 | — |
| return on average assets | 1.24% | full year 2025 | — |
| return on average common equity | 15.66% | full year 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CFR
this stock
Cullen/Frost Bankers, Inc.
|
$9.85B | +24.7% | +8.3% | 15.3 | 5.7% |
|
HDB
Hdfc Bank Ltd
|
$136.10B | -27.4% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$127.67B | +43.2% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$104.01B | -2.7% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.16B | +21.6% | +7.2% | 14.6 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CFR | +1.3% | +8.2% | +13.5% | +1.5% | +24.7% |
| SPY | +1.4% | +4.1% | +9.1% | +1.1% | +10.7% |
| vs SPY | -0.1% | +4.1% | +4.5% | +0.4% | +14.0% |
Capital returns
Latest dividend
$1.03
/ share · ex May 29, 2026
Paid (TTM)
$4.03
/ share · 4 payouts
Dividend yield (TTM, derived)
2.57%
Buyback program
· as of Jan 28, 2026
Authorized
$300.00M
Spent (derived)
—
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.