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Cullen/Frost Bankers Inc. (CFR) — RQD Stock Rating Cockpit

$160.30 +1.71% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $160.49

Cullen/Frost Bankers Inc. (CFR) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $9.80B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CFR Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CFR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Cullen/Frost Bankers Inc. (NYSE: CFR) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $160.30 (+1.71% 1D, market cap $9.80B). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, CFR ranks #385 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CFR compare to BPOP and ZION in the Financials sector?
▼

Within the Financials sector (Major Banks), CFR carries a Roarable C- (60/100 RQD), trailing P/E of 15.1x, gross margin of —, and ROIC of 3.4%. By comparison, BPOP (Popular Inc.) holds a C+ grade (67/100 RQD, P/E 12.1x, ROIC 3.1%, cap $9.99B) and ZION (Zions Bancorporation N.A.) posts a C grade (64/100 RQD, P/E 10.8x, ROIC 2.8%, cap $9.54B). Among the 5-stock peer group, ZION leads on earnings multiple (10.8x) while CFR leads on capital efficiency (3.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CFR?
▼

Per CFR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000039263), Cullen/Frost Bankers Inc. generated $121.6M in revenue (+14.4% YoY), $648.6M in net income, and $127.3M in free cash flow against $53.04B in total assets and $21.81B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $160.49 (+0.12%)🧬 Cannibal Buyback (-0.60% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 104.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510060
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C+
Cash (5)Whales (14)SEC (15)Macro (12)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$191 Bull$162 Base$126 Bear
📬 FREE CFR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CFR)Realized 20D OHLCV Swing Band: ±3.6%
Deterministic 5-Pillar Attribution (60/100 Composite)
🔍 WHY CFR SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (23% of score)

20D Institutional Volume Accumulation (±3.6% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 52% operating margin leave 15 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$151.57+2.7% Next Q
Q2 (-2Q)
55
Grade C$155.61+0.9% Next Q
Q3 (-1Q)
57
Grade C$157.01+2.1% Next Q
Current
60
Grade C-$160.30+0.4% Hist 90D α
Trajectory: C- (52) → C- (60)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CFR Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, CFR faces multiple-compression risk if 15.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.60% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($157.36) or 200D SMA ($149.13) invalidates the momentum regime and cuts Target Base ($161.74) toward Bear Floor ($126.16).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFR• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CFR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
5430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE80% OF RANGE
L: $119$160.30H: $171
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 5 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bullish on CFR

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (25)

3.4% ROIC with 42.0% gross margin and 1.30% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (67)

28/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like CFR
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CFR Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
CFR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.08%⚡ TESTING RESISTANCE
2026-11-03O $157.9H $160.3L $157.6C $160.3VOL 522.4K
RES: $160.2SUP: $148.5SMA50: $157.4SMA200: $149.1
$173.5$162.3$151.0$139.8$128.6RES $160.2SUP $148.5$160.32026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CFR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CFR Butterfly Map → + Track CFR →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
7.3%/yr Implied 5Y Growth

vs. +14.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CFR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CFR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CFR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFR)

Financials Rank #385 of 1097 ⚔️ BPOP vs CFR Full Matrix →

1. Head-to-Head Financials Peer Comparison (CFR vs. BPOP, ZION, ONB, SSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Cullen/Frost Bankers Inc. (CFR) ranks #385 by composite RQD confidence (60/100, grade C-) and #189 by equity capitalization ($9.80B). Within this direct 5-issuer industry benchmark cohort, ZION leads on earnings valuation at 10.8x trailing P/E, while CFR leads on capital efficiency and profitability with 3.4% ROIC and — gross margin. BPOP currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with CFR at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CFR ACTIVE
Cullen/Frost Bankers Inc.
C- 60/100 15.1x — 3.4% +1.71% $9.80B Benchmark Subject
BPOP
Popular Inc.
C+ 67/100 12.1x — 3.1% +1.50% $9.99B /bpop-vs-cfr →
ZION
Zions Bancorporation N.A.
C 64/100 10.8x — 2.8% +1.55% $9.54B /zion-vs-cfr →
ONB
Old National Bancorp
C 65/100 14.3x — 1.9% +2.71% $9.49B /onb-vs-cfr →
SSB
SouthState Bank Corporation
C- 60/100 12.9x — 3.0% +1.75% $10.20B /ssb-vs-cfr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000039263 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Cullen/Frost Bankers Inc. (CFR) reported GAAP revenue of $121.6M (+14.4% vs. FY2024 revenue of $106.2M , and +30.0% cumulative change since FY2023) , GAAP net income of $648.6M, operating cash flow of $274.0M, and free cash flow of $127.3M (-85.2% YoY). On the balance sheet, CFR closed FY2025 with $53.04B in total assets against $21.81B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $121.6M $648.6M $274.0M $127.3M $53.04B $21.81B
FY2024 (FY) 2024-12-31 $106.2M $582.5M $989.5M $861.8M $52.52B $21.88B
FY2023 (FY) 2023-12-31 $93.5M $598.0M $478.8M $474.6M $5.40B $1.26B

3. CFR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CFR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Cullen/Frost Bankers Inc. (NYSE: CFR) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $160.30 (+1.71% 1D, market cap $9.80B). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, CFR ranks #385 in composite RQD confidence.

How does CFR compare to BPOP and ZION in the Financials sector?

Within the Financials sector (Major Banks), CFR carries a Roarable C- (60/100 RQD), trailing P/E of 15.1x, gross margin of —, and ROIC of 3.4%. By comparison, BPOP (Popular Inc.) holds a C+ grade (67/100 RQD, P/E 12.1x, ROIC 3.1%, cap $9.99B) and ZION (Zions Bancorporation N.A.) posts a C grade (64/100 RQD, P/E 10.8x, ROIC 2.8%, cap $9.54B). Among the 5-stock peer group, ZION leads on earnings multiple (10.8x) while CFR leads on capital efficiency (3.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CFR?

Per CFR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000039263), Cullen/Frost Bankers Inc. generated $121.6M in revenue (+14.4% YoY), $648.6M in net income, and $127.3M in free cash flow against $53.04B in total assets and $21.81B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CFR trading relative to its 50-day, 200-day, and 52-week technical levels?

CFR last traded at $160.30 (+1.71% on volume of 509,871 shares), positioning the stock +1.87% above its 50-day simple moving average ($157.36) and +7.49% above its 200-day simple moving average ($149.13). Across its 52-week range of $119.15 to $170.80, CFR sits at the 79.7% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±3.6% ($154.53 to $166.07).

Direct Sub-Reports: CFR RQD Cockpit CFR 12M Forecast CFR Earnings & Move CFR Dividends & DRIP CFR Insiders & 13F CFR Whale Options CFR Profit Sankey CFR News & Why
ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

CFR — Cullen/Frost Bankers Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Cullen/Frost Bankers Inc. (CFR) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $160.30 (+1.71% 1D, market capitalization $9.80B).

  • Fundamental Cash Engine (5/20): Anchored by return on invested capital (ROIC) of 3.4%, gross margin of —, operating margin of 75.0%, and free cash flow yield of 1.30%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (15/20): Incorporates a 0.93x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Cullen/Frost Bankers Inc. Is a NYSE-listed issuer in the Financials sector, Major Banks industry..8B. —: a detailed description of its product lines, customer segments, or revenue-generation model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Cullen/Frost Bankers Inc. (CFR) reported $121.6M in annual revenue (up from $106.2M in FY2024, +14.4% YoY) and $648.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($93.5M revenue, $598.0M net income) through FY2025, CFR scaled operating cash flow to $274.0M and free cash flow to $127.3M, backed by $53.04B in total assets against $21.81B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 60/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 5/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $119.15 – $170.80 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.1x trailing P/E and 26.0x EV/EBITDA against 75.0% operating margins and a 0.93x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

—: upstream or downstream dependencies, sector correlations, or second-order bottlenecks. The only sector context is the Financials / Major Banks classification, which.

  • Key Question #1: Can CFR sustain or expand its 75.0% operating margin and 3.4% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $121.6M and free cash flow of $127.3M, how will capital allocation balance growth reinvestment against $21.81B in total debt?
  • Key Question #3: How sensitive is CFR's 12.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.93x)?

CFR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Cullen/Frost Bankers Inc. (CFR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CFR Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CFR Bull vs. Bear Conversation Board — What's Your Call at $160.30?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CFR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CFR:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $200.15 (+27.0%)
📌 Pinned Debate

Strong forensic balance sheet (Piotroski F 7/9, Altman Z 2.5) and a 2.6% dividend yield at a 12.7x forward P/E.

Strong forensic balance sheet (Piotroski F 7/9, Altman Z 2.5) and a 2.6% dividend yield at a 12.7x forward P/E.. When you look under the hood at CFR, Fundamental Cash Engine is 5/20 with 0.0% gross margins and 3.4% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (14/20) has been quietly accumulating below $170.80. My 12M target is $200.15.

CapAlloc_Nerd 🐂 BULL

@CreditSpread_Watch Fair point on 15.1x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $121.35 (-23.0%)
Spot @ $157.60

Thin 3.4% ROIC and 1.3% FCF yield leave the cash engine pillar at only 5 of 20.

Fading this rally in CFR at $157.60. Thin 3.4% ROIC and 1.3% FCF yield leave the cash engine pillar at only 5 of 20.. With a beta of 0.93 and the stock sitting at $157.60 (52-wk range $119.15–$170.80), the easy multiple expansion is already priced in.

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