MARKET WIREYahoo Finance • 1d ago
Why Cullen/Frost Bankers (CFR) Stock Is Trading Lower TodayYahoo Finance report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
Why CFR Stock advanced +1.71% Today — RQD Quant Desk Flash
$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
⚡ 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?
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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?
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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?
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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:
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-
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+
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
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)Grade C-$151.57+2.7% Next Q
52
Q2 (-2Q)Grade C$155.61+0.9% Next Q
55
Q3 (-1Q)Grade C$157.01+2.1% Next Q
57
CurrentGrade C-$160.30+0.4% Hist 90D α
60
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CFR Stock advanced +1.71% Today — RQD Quant Desk Flash
Cullen/Frost Bankers Inc. (CFR) advanced +1.71% to $160.30, trading at 80% of its 52-week range ($119.15 – $170.8). Solid steady margins (3% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 80% of its 52-week range ($119.15 – $170.8) with RSI-14 at 54 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±3.6% around $160.30 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $127.3M annual free cash flow.
Live CFR Headlines & Catalysts
MARKET WIRESeeking Alpha • 1d ago
Cullen/Frost Bankers Isn't Ready For Prime Time YetSeeking Alpha report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingView • 1d ago
Cullen/Frost Bankers (NYSE:CFR) exceeds Q3 2026 expectationsTradingView report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 2d ago
Why Cullen/Frost Bankers (CFR) is a Top Dividend Stock for Your PortfolioYahoo Finance report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
MARKET WIREPR Newswire • 2d ago
CULLEN/FROST BANKERS TO MOVE PRIMARY STOCK EXCHANGE LISTINGS TO TEXAS STOCK EXCHANGEPR Newswire report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingView • 2d ago
Cullen/Frost Bankers to move listing to Texas Stock ExchangeTradingView report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 2d ago
Why Cullen/Frost Bankers (CFR) is a Great Dividend Stock Right NowYahoo Finance report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
RISK WATCHYahoo • 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 MorePre-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
RISK WATCHFintel • 1d ago
Keefe, Bruyette & Woods Downgrades Cullen to Market Perform from OutperformRISK WATCHBenzinga • 2d ago
Keefe, Bruyette & Woods Downgrades Cullen/Frost Bankers to Market Perform, Lowers Price Target to $175Keefe, Bruyette & Woods analyst Catherine Mealor downgrades Cullen/Frost Bankers (NYSE:CFR) from Outperform to Market Perform and lowers the price target from $180 to $175.
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
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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
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
CFR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 ENABLEDIs 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).
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
🟡 MARKET WIRE Yahoo Finance • 1d ago
Why Cullen/Frost Bankers (CFR) Stock Is Trading Lower Today Yahoo Finance report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Seeking Alpha • 1d ago
Cullen/Frost Bankers Isn't Ready For Prime Time Yet Seeking Alpha report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 1d ago
Cullen/Frost Bankers (NYSE:CFR) exceeds Q3 2026 expectations TradingView report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 2d ago
Why Cullen/Frost Bankers (CFR) is a Top Dividend Stock for Your Portfolio Yahoo Finance report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE PR Newswire • 2d ago
CULLEN/FROST BANKERS TO MOVE PRIMARY STOCK EXCHANGE LISTINGS TO TEXAS STOCK EXCHANGE PR Newswire report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 2d ago
Cullen/Frost Bankers to move listing to Texas Stock Exchange TradingView report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 2d ago
Why Cullen/Frost Bankers (CFR) is a Great Dividend Stock Right Now Yahoo Finance report covering Cullen/Frost Bankers Inc. (CFR) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH Yahoo • 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
🔥 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
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.