CFR | Ticker Profile - Titan Protect

CFR

Cullen/Frost Bankers, Inc.

Financial Services · Banks - Regional · NYQ

$140.16

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$8.6B

Total market value of the company

Trailing P/E

13.41

Reasonably valued

Forward P/E

12.51

Based on estimated future earnings — lower means cheaper

Rev Growth

+7.8%

Year-over-year revenue change

Profit Margin

30.0%

How much profit the company keeps from each dollar of revenue

ROE

15.5%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$155.00

+11% from current price — median analyst estimate

Recommendation

HOLD

Consensus view from 15 analysts covering this stock

About Cullen/Frost Bankers, Inc.

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

https://www.frostbank.com

Country: United States Employees: 6,008 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.822

Good returns relative to risk taken

Kelly Fraction

0.0696

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.778

Acceptable balance between returns and drawdown risk

Annual Return

20.7%

Historical annualised return based on price data

Max Drawdown

-26.6%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

264

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.58

Less volatile than the market — more defensive

52W High

$148.97

6% below the year high

52W Low

$119.00

18% above the year low

Avg Volume

544,273

Average daily shares traded — higher means easier to buy and sell

Short Ratio

0.0

Days it would take all short sellers to cover — higher means more crowded

Short % Float

0.0%

Low short interest — limited bearish positioning

Div Yield

299.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$10.27

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

36.9%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$2.2B

Total revenue over the last 12 months

Net Income

$655M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$165.00

Target Median

$155.00

Target Low

$130.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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