ROARABLE
FREE $100K
My Trading Account β†’
β–Ύ
Trading Profile Active
Active Trader
Verified Trader
⚑ My $100K Trading Account β†’ β˜… My Saved Watchlist β†’
🟒 My $100K Account β†’ Today Screener Big Ideas Track Record πŸ’° $100K Arena 🎲 Predictions πŸ›οΈ Insiders 8 Analysts
Stock Ratings / Financials / CFR / insiders
BPOP (67) ONB (65) ZION (64) SSB (60) ⌘ Pro Terminal β†’

Cullen/Frost Bankers Inc. (CFR) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$160.30 +1.71% NYSE β€’ 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- β€’ HOLD / WATCH Cap $9.97B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CFR Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is CFR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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 $9.97B). 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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does CFR compare to BPOP and ONB in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), CFR carries a Roarable C- (60/100 RQD), trailing P/E of 15.1x, gross margin of β€”, 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 $10.14B) and ONB (Old National Bancorp) posts a C grade (65/100 RQD, P/E 14.3x, ROIC 1.9%, cap $9.75B). Among the 5-stock peer group, ZION leads on earnings multiple (10.8x) while CFR leads on capital efficiency (3.4% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CFR?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $160.49 (+0.12%)🧬 Cannibal Buyback (-0.60% YoY Shares)βš™οΈ Cash Engine: 5/20 (E) β€’ 104.7% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 53.5% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510060
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw D+ Β· 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
πŸ“¬ FREE CFR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for CFR)Realized 20D OHLCV Swing Band: Β±3.6%
Deterministic 5-Pillar Attribution (60/100 Composite)
πŸ” WHY CFR SCORES 60/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

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

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

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

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

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

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
52
Grade C-$154.11+2.3% Next Q
Q2 (-2Q)
55
Grade C$157.68+0.1% Next Q
Q3 (-1Q)
57
Grade C$157.85+1.6% Next Q
Current
60
Grade C-$160.30+0.4% Hist 90D Ξ±
Trajectory: C- (52) β†’ C- (60)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the CFR Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

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) β€” 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 ($157.30) or 200D SMA ($149.21) invalidates the momentum regime and cuts Target Base ($161.74) toward Bear Floor ($126.16).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFRβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCFR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

CFR Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CFR)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CFR. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

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

  • βœ“Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • βœ“Forensic Red-Light accounting & dilution traps to review on your watchlist
  • βœ“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) β†’$100K Arena
CFR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.10%⚑ TESTING RESISTANCE
2026-11-04O $157.6H $160.3L $157.6C $160.3VOL 509.9K
RES: $160.0SUP: $148.7SMA50: $157.3SMA200: $149.2
$173.5$162.3$151.0$139.8$128.6RES $160.0SUP $148.7$160.32026-05-052026-06-222026-08-062026-09-222026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ CFR Butterfly Map β†’ + Track CFR β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFR)

Financials Rank #385 of 1097 βš”οΈ BPOP vs CFR Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (CFR vs. BPOP, ONB, ZION, 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 ($9.97B). 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 β€” 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 β€” 3.4% +1.71% $9.97B Benchmark Subject
BPOP
Popular Inc.
C+ 67/100 12.1x β€” 3.1% +1.50% $10.14B /bpop-vs-cfr β†’
ONB
Old National Bancorp
C 65/100 14.3x β€” 1.9% +2.71% $9.75B /onb-vs-cfr β†’
ZION
Zions Bancorporation N.A.
C 64/100 10.8x β€” 2.8% +1.55% $9.69B /zion-vs-cfr β†’
SSB
SouthState Bank Corporation
C- 60/100 12.9x β€” 3.0% +1.75% $10.35B /ssb-vs-cfr β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000039263 β†—

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)

βœ“ 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 $9.97B). 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 ONB 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 β€”, 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 $10.14B) and ONB (Old National Bancorp) posts a C grade (65/100 RQD, P/E 14.3x, ROIC 1.9%, cap $9.75B). 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 +1.91% above its 50-day simple moving average ($157.30) and +7.43% above its 200-day simple moving average ($149.21). Across its 52-week range of $119.15 to $170.80, CFR sits at the 79.7% percentile with a 14-day RSI of 61.9 (BULLISH MOMENTUM) and an implied next-earnings move of Β±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 β€’ RQD 60/100 (C-) βœ“ SEC XBRL & RQD VERIFIED

CFR β€” 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 $9.97B).

  • Fundamental Cash Engine (5/20): Anchored by return on invested capital (ROIC) of 3.4%, gross margin of β€”, 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. β€”: 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

  • πŸ‚ Primary Bull Case (C- β€’ 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

β€”: 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) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to CFR Debate Forum (3) ↓
πŸ”΄ RISK WATCH Yahoo β€’ 1d ago
Buy, Sell, or Hold? Today’s Top Upgrades and Downgrades: Amazon.com, Coinbase Global, CrowdStrike, FormFactor, GameStop, L3Harris Technologies, Oracle, Reddit, Rivian Automotive, and More

Pre-Market Stock Futures: Futures are trading higher after a rough week in which sellers moved hard against the big tech companies, which reported mostly solid results. Still, massive spending on AI, free cash flow that

Read Full Source β†—
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CFR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CFR:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER β€’ Verified $100K Arena Trader πŸ‚ BULLISH 🎯 Target: $200.15 (+27.0%)
πŸ“Œ 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 πŸ‚ 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 β€’ 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.

LIVE TAPE