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CFR · Cullen/Frost Bankers, Inc.

$164.59 -0.17 (-0.10%)
Market Cap
$10.24B
Shares
62.15M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$164.76 Open$167.58 Day$164.45–167.58 52W$116.34–170.29 Avg vol 30d625K Short int3.8M · 6.1% float · 7.4d Short vol41% Last earningsJul 30, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 30

Up next

Next earnings call
Oct 29, 2026 Est · unconfirmed · in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
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 15.2 · calm Equity put/call 0.60
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +18%
      above
      Price vs 50-day avg +8%
      above
      RSI (14) 59
      neutral
      MACD trend Negative
      52-week position 90%
      near high
      Momentum
      relative strength
      Very Strong
      1-month return +6%
      trailing
      6-month return +16%
      trailing
      YTD return +32%
      this year
      Relative strength +3%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $153 › 200d $139 — 50d above 200d
      Institutional flow Accumulating
      284 of 538 funds reported for Jun 30 · net +2.7M sh shares · +38 new
      Insider flow Distributing
      Net -$124.1K over 90 days · 100% sells
      Short interest Rising
      6.06% of float · ▲ +4.6% MoM · 7.4 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      538 holders — near 3-yr high, broad support
      Squeeze score 70
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +8%
      Y/Y
      EPS growth +12%
      Y/Y
      Free cash flow $127.3M
      Valuation P/E 15.6
      rich
      Buyback $140.0M
      remaining
      Balance sheet $4.6B
      net cash
      Quant / Vol
      risk profile
      Very Low
      Volatility 21%
      annualized · 1-yr
      Max drawdown −11%
      past year
      ATR 2.1%
      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

      Latest guidance · from the Earnings Call filed Dec 31, 2024
      Net interest income growth · full year 2025 Initiated 4% – 6%
      Full year average deposits growth · full year 2025 Initiated 2% – 3%
      Noninterest income growth · full year 2025 Initiated 1% – 2%
      Effective tax rate · full year 2025 Initiated 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
      +18% Bullish
      Price vs 50-day avg
      +8% Bullish
      RSI (14)
      59 Neutral
      MACD trend
      Negative Bearish
      52-week position
      90% Bullish
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $153 › 200d $139 — 50d above 200d
      Institutional flow Accumulating
      284 of 538 funds reported for Jun 30 · net +2.7M sh shares · +38 new
      Insider flow Distributing
      Net -$124.1K over 90 days · 100% sells
      Short interest Rising
      6.06% of float · ▲ +4.6% MoM · 7.4 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      538 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $116 Now $165 · 90% 52-wk high $170
      vs 200-day avg +18% vs 50-day avg +8%

      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
      Remaining repurchase authorization $230M first quarter of 2026
      Shares repurchased 507,753 first quarter of 2026
      Total branch count 205 first quarter of 2026
      New financial centers opened 10 2025 annual

      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
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      CFR
      Cullen/Frost Bankers, Inc.
      this stock
      $10.24B +32.0% +8.3% 15.6 6.1%
      MFG
      Mizuho Financial Group Inc
      $130.23B +46.0% 0.1%
      HDB
      Hdfc Bank Ltd
      $122.06B -34.9% +15.2% 0.4%
      IBN
      Icici Bank Ltd
      $109.32B +3.1% 0.6%
      PNC
      Pnc Financial Services Group, Inc.
      $100.84B +23.9% +7.2% 13.9 1.7%

      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
      555
      % held
      87.8%
      Reported
      284 of 538
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      414
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      3.8M
      Days to cover
      7.4d
      Change
      +165.3K sh
      View
      Short Volume
      Short vol %
      41%
      As of
      Aug 6, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      20
      Value
      $3.1K
      As of
      Jul 7, 2026
      View
      Off-Exchange
      Off-exchange %
      46.4%
      Week of
      Jul 6, 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
      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
      Jul 30, 2026
      This year
      11
      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
      Latest news
      CULLEN/FROST REPORTS SECOND QUART…
      Published
      Jul 30, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      CFR +0.8% +6.2% +16.0% -1.0% +32.0%
      SPY +3.6% +2.2% +12.8% +2.9% +12.7%
      vs SPY -2.8% +4.0% +3.2% -3.8% +19.3%

      Capital returns

      Latest dividend
      $1.03 / share · ex May 29, 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) 257 filings 251 filers Visit website Investor relations