What is Cullen/Frost Bankers, Inc.'s (CFR) StockRank?

MoatMap's StockRank for Cullen/Frost Bankers, Inc. (CFR) is 51/100, with a Hold signal. This is a composite score combining Quality (47), Value (32), and Momentum (62) factor ranks across MoatMap's 20,000+ stock universe.

Does Cullen/Frost Bankers, Inc. have an economic moat?

Cullen/Frost Bankers, Inc. (CFR) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Cullen/Frost Bankers, Inc. a buy, hold, or sell?

MoatMap's current signal for Cullen/Frost Bankers, Inc. (CFR) is Hold, based on a StockRank of 51/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Cullen/Frost Bankers, Inc. in?

Cullen/Frost Bankers, Inc. (CFR) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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CFR

HOLDREMOVE

Cullen/Frost Bankers, Inc. · Financial Services · United States · $8.6B · Avg Vol: $88M/d

StockRank

P/E (TTM)

14.4x

ROE

15.5%

D/E

—

Dividend %

2.7%

Director Trades · 180d

−$124.1K →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Cullen/Frost is a well-managed Texas bank that indirectly benefits from regional energy wealth. However, as a regional financial institution, it lacks the asymmetric, high-conviction macro tailwinds and asset-light compounding characteristics of our preferred names.

COMPANY DESCRIPTION

Cullen/Frost Bankers, Inc. is a financial holding company offering a comprehensive range of commercial and consumer banking services through its subsidiary, Frost Bank, primarily operating across Texas. The company's competitive moat is underpinned by its deeply established brand reputation, conservative lending philosophy, and exceptional customer loyalty within Texas's robust and growing economy. Cullen/Frost is a highly respected regional bank recognized for its consistent financial performance and strong credit quality.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	—	1.7B	2.0B	2.1B	2.2B	9.6%
EPS	6.79	8.84	9.11	8.88	—	9.4%
Shares	—	64M	64M	64M	64M	+0.1%
Debt	—	222M	223M	223M	223M	0.1%
Equity	—	3.1B	3.7B	3.9B	4.6B	13.4%
Op CF	—	723M	479M	990M	274M	-27.6%
Inv CF	—	-8.3B	-943M	-181M	-1.6B	—
Fin CF	—	3.0B	-2.9B	738M	-33M	—

PRICE (1M)+5.1%

SMA 50SMA 200

$145.66

RSI (14)

69.9

52W High

$148.60

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*47.9

ROE

15.5%74.5

GP/Assets

4.2%49.6

Op. Margin

36.9%55.1

FCF/Assets

—N/A

Piotroski

—68.0

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

14.4x41.8

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

2.1x19.7

P/S

4.2x37.8

Div Yield

2.7%45.1

Momentum

52W High %

98%83.9

RS 6M

4%72.0

SMA 50/200

1.06x63.1

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+7%28.1

Q Growth

13%48.8

FUNDAMENTALS

Market Cap

$8.6B

P/E (Forward)

13.4x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CFR are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CFR	Cullen/Frost Bankers, Inc.(you)	$8.6B	51	HOLD
ABCB	Ameris Bancorp	$5.7B	51	HOLD
ONB	Old National Bancorp	$9.3B	58	HOLD
FNB	F.N.B. Corporation	$6.3B	48	HOLD
COLB	Columbia Banking System, Inc.	$8.6B	61	HOLD
WTFC	Wintrust Financial Corporation	$10.2B	45	HOLD
ZION	Zions Bancorporation, National Association	$9.2B	61	HOLD
BOKF	BOK Financial Corporation	$7.8B	41	HOLD
UMBF	UMB Financial Corporation	$10.0B	60	HOLD
SSB	SouthState Bank Corporation	$9.2B	40	HOLD

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

Cullen/Frost Bankers, Inc. (CFR) — Stock Score Summary

Cullen/Frost Bankers, Inc. (CFR) has a MoatMap StockRank of 51/100 based on Quality (47/100), Value (32/100), and Momentum (62/100) factor scores. The current signal is HOLD. Cullen/Frost is a well-managed Texas bank that indirectly benefits from regional energy wealth. However, as a regional financial institution, it lacks the asymmetric, high-conviction macro tailwinds and asset-light compounding characteristics of our preferred names.

Key Financial Metrics

Price	$145.66
Market Cap	$8.6B
P/E (TTM)	14.41
P/E (Forward)	13.44
Price/Book	2.12
Return on Equity	15.5%
Gross Margin	0.0%
Operating Margin	36.9%
Revenue Growth	7.8%
Dividend Yield	2.7%

Cullen/Frost Bankers, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Cullen/Frost Bankers, Inc.’s (CFR) StockRank?: MoatMap’s StockRank for Cullen/Frost Bankers, Inc. (CFR) is 51/100, with a Hold signal. It is a composite of Quality (47), Value (32), and Momentum (62) factor ranks across MoatMap’s 20,000+ stock universe.
Does Cullen/Frost Bankers, Inc. have an economic moat?: Cullen/Frost Bankers, Inc. (CFR) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Cullen/Frost Bankers, Inc. a buy, hold, or sell?: MoatMap’s current signal for Cullen/Frost Bankers, Inc. (CFR) is Hold, based on a StockRank of 51/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Cullen/Frost Bankers, Inc. in?: Cullen/Frost Bankers, Inc. (CFR) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).