Insider buying last 90 days
No open-market insider purchases were filed for CFR in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every CFR insider filing, plotted on the chart in Gekko.Open CFR in Gekko
NYSE: CFR
Cullen/Frost Bankers (CFR) Stock Analysis & Forecast
Sep 28 close
$156.42−1.00 (−0.6%)
Gekko Brief
AI summaryCullen/Frost Bankers draws attention this week after Morgan Stanley reiterated an "Overweight" rating and raised its price target to $201, citing strong institutional buying from investors such as State Street Corp and BlackRock, even as Bank of America reduced its stake. Alongside the upgrade, coverage has also compared CFR with Prosperity Bancshares on value grounds and highlighted its standing as a dividend stock.
Shares close at $156.42, down 0.6%, sitting between the 50-day average of $163.10 and the 200-day average of $146.02, reflecting a mixed trend. The GekkoIndex reading of 65.9 places CFR in the Accumulation zone, while the price stands 6.5% below the Gekko Fair Value of $167.38.
Earnings are due 29 October 2026, before the open, 30 days out and beyond a typical 20-trading-day hold; the last report on 30 July 2026 showed EPS of $2.70 against a $2.53 estimate, with an average absolute reaction of 3% across the last eight quarters of beats. Analyst consensus among 13 firms includes 5 buy, 7 hold and 1 sell ratings, with a consensus target of $173.79. Seasonality over five years shows the next 20 trading days averaging a 5.5% move, rising in 3 of those years, a pattern worth noting alongside the upcoming earnings date.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Cullen/Frost Bankers price vs fair value
Close $156.42200-day averageGekko Fair Value $167.38
Cullen/Frost Bankers quick facts
- Market cap
- $9.72B
- P/E ratio
- 14.9
- Forward P/E
- 14
- EPS, TTM
- $10.58
- Revenue, TTM
- $2.26B
- Profit margin
- 30.2%
- Dividend yield
- 2.58%
- Beta
- 0.51
- Volume
- 491,085 avg 529,732
- 1-year return
- +22.0%
- Typical daily move
- ±1.9%
- Typical 20-day move
- ±5%
- 50-day average
- $163.10
- 200-day average
- $146.02
- Next earnings
- Oct 29 before open
- Shares outstanding
- 62.15M
Cullen/Frost Bankers swing-trade checklist
Cullen/Frost Bankers scores 4 supportive, 1 mixed and 0 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed0 headwinds
- Trendmixed
Averages disagree
Close $156.42 sits between the 50-day ($163.10) and 200-day ($146.02) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
65.9, Accumulation
Reading 65.9 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
6.5% below
Price is 6.5% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 30 days
Next report Oct 29, 2026, 30 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+5.5% on average
From this point in the calendar, the next 20 trading days averaged +5.5% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Cullen/Frost Bankers stock chart and price history
Cullen/Frost Bankers closed at $156.42 on Sep 28, 2026, +22.0% over the past year, inside a 52-week range of $119.00 to $170.80.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −3.1%
- 3 months
- +1.1%
- 6 months
- +17.0%
- 1 year
- +22.0%
The full CFR chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open CFR in Gekko
Follow Cullen/Frost Bankers through every session
Put CFR on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
Track CFR in GekkoFree for 7 days. No credit card required.
About Cullen/Frost Bankers
Cullen/Frost Bankers serves as the parent company of Frost Bank, delivering commercial and consumer banking services across Texas. It is best known for its range of financing options for corporations, covering industrial and commercial property, construction projects, equipment, inventories, accounts receivables, and acquisitions, alongside everyday consumer offerings such as checking accounts, ATMs, mortgages, home equity loans, and safe deposit facilities.
Its business spans several areas beyond traditional banking, including international services such as letters of credit and foreign exchange, correspondent banking activities like check clearing and securities custody, and trust and investment services for both individuals and companies. The company also provides capital market services such as underwriting and securities trading, along with insurance and securities brokerage and investment management for mutual funds, institutions, and individuals. Its customer base includes businesses in energy, manufacturing, construction, retail, telecommunications, healthcare, military, and transportation.
Cullen/Frost Bankers was established in 1868 and operates out of San Antonio, Texas. Its shares are listed on the NYSE under the ticker CFR.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- frostbank.com
Cullen/Frost Bankers GekkoIndex: the smart money zone
Cullen/Frost Bankers’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.9, in the Accumulation zone, down 0.1 points over five sessions.
65.9Accumulation
Down 0.1 points over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 36 | +0.6% | +2.9% | ||
| Accumulation (current zone) | 179 | +0.8% | +3.2% | ||
| Neutral | 391 | +0.2% | +0.8% | ||
| Distribution | 61 | −0.1% | +1.2% | ||
| Selling | 5 | Too few readings yet | |||
Average CFR share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the CFR price, zone by zone.Track CFR in Gekko
Is Cullen/Frost Bankers stock overvalued? Gekko Fair Value
Cullen/Frost Bankers trades 6.5% below Gekko Fair Value of $167.38, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Cullen/Frost Bankers shares are worth, recalculated every trading day.
$167.38
Gekko Fair Value, Sep 29, 2026
6.5% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open CFR in Gekko
Cullen/Frost Bankers insider and Congress trading
No open-market insider purchases were filed for Cullen/Frost Bankers, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in CFR were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for CFR, plotted on the chart in Gekko.Open CFR in Gekko
Buybacks
Cullen/Frost Bankers has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $90.90M
- As a share of market cap
- 0.94%
- Trailing four quarters
- $318.3M
From company filings.
Cullen/Frost Bankers earnings: next date and track record
Cullen/Frost Bankers reports on Oct 29, 2026, before the open (30 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Oct 29, 2026
Expected before the open, 30 days away
- EPS estimate
- $2.79
- Revenue estimate
- $609.8M
8 of 8reports beat the EPS estimate
±3%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 30, 2026 AI summary
- What they said
- Cullen/Frost Q2 2026 earnings rose 9.7% YoY to $170M, with EPS up 13% to $2.70. Average deposits grew to $42.6B and average loans increased to $22.6B from $21.1B. Consumer checking household growth accelerated to 5.7% YoY, consumer loans grew 20% to $4.5B. Commercial pipeline hit a record $2.17B, up 11% QoQ, with new loan commitments up 23% from Q1. Credit quality improved with criticized loans declining to $917M.
- Guidance
- Management highlighted record commercial loan pipeline and accelerating organic growth as positive leading indicators. Market disruption tailwinds drove new relationships up 65% YTD. CFO guidance commentary was pending in the transcript excerpt provided.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 30, 2026 | $2.70 est $2.53 | $598.3M est $589.7M | −0.4% |
| Apr 30, 2026 | $2.65 est $2.49 | $597.1M est $587.3M | −1.7% |
| Jan 29, 2026 | $2.80 est $2.45 | $603.4M est $578.3M | +1.9% |
| Oct 30, 2025 | $2.67 est $2.38 | $567.1M est $563.7M | +1.4% |
| Jul 31, 2025 | $2.39 est $2.31 | $546.9M est $567.8M | −7.3% |
| May 1, 2025 | $2.30 est $2.17 | $540.2M est $538.3M | +7.5% |
| Jan 30, 2025 | $2.36 est $2.17 | $536.3M est $541.1M | +0.4% |
| Oct 31, 2024 | $2.24 est $2.17 | — | −3.4% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Cullen/Frost Bankers stock forecast and analyst price targets
Analysts’ average 12-month price target for Cullen/Frost Bankers is $173.79, +11.1% from the last close, from 13 firms rating the stock in the last 90 days.
$173.79consensus 12-month target, +11.1% from the last close
Now $156.42Avg $173.79
Low $145High $201
Each firm’s latest rating in the last 90 days: 13 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 28 | Morgan Stanley | $201 | +28.5% |
| Sep 8 | Morgan Stanley | $200 | +27.9% |
| Sep 2 | TD Cowen | $185 | +18.3% |
| Aug 14 | RBC Capital | $176 | +12.5% |
| Aug 5 | Evercore ISI | $181 | +15.7% |
+3.2%average 20-day move after past Accumulation readings
+5.5%average move over the next 20 trading days in the last 5 years
±1.9%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Cullen/Frost Bankers seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Cullen/Frost Bankers averaged +5.5% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.3% | 4 of 5 |
| Next 10 trading days | +2.6% | 3 of 5 |
| Next 15 trading days | +3.2% | 3 of 5 |
| Next 20 trading days | +5.5% | 3 of 5 |
| Next 30 trading days | +10.4% | 4 of 5 |
For scale, CFR’s typical 20-trading-day move in either direction is about 5%.
Cullen/Frost Bankers market cap and key statistics
Cullen/Frost Bankers’s market cap is $9.72B, with a P/E ratio of 14.9 and revenue of $2.26B over the last twelve months.
Valuation
- Market cap
- $9.72B
- P/E ratio
- 14.9
- Forward P/E
- 14
- EPS, TTM
- $10.58
- Gekko Fair Value
- $167.38
Trading
- Volume
- 491,085
- Avg volume, 20 days
- 529,732
- 52-week high
- $170.80
- 52-week low
- $119.00
- Shares outstanding
- 62.15M
Financials
- Revenue, TTM
- $2.26B
- Profit margin
- 30.2%
- Return on equity
- 15.5%
- Quarterly earnings growth, YoY
- +12.8%
Risk and income
- Beta
- 0.51
- Typical daily move
- ±1.9%
- Typical 20-day move
- ±5%
- Dividend yield
- 2.58%
Cullen/Frost Bankers stock news this week
4 headlines about Cullen/Frost Bankers from the past week, newest first, each linking to the publisher.
- Morgan Stanley upgrades Cullen/Frost Bankers with strong institutional buying and a $201 price target.Pluang, Sep 28
- PB vs. CFR: Which Stock Is the Better Value Option?Zacks Investment Research, Sep 24
- Cullen/Frost Bankers, Inc. $CFR Shares Bought by State Street CorpDefense World, Sep 24
- Cullen/Frost Bankers (CFR) is a Top Dividend Stock Right Now: Should You Buy?Zacks Investment Research, Sep 23
Cullen/Frost Bankers peers
Cullen/Frost Bankers’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 4.8% below |
| USBU.S. Bancorp | Accumulation | 10.6% below |
| NUNu | Buying | 24.1% below |
| TFCTruist Financial | Buying | 10.3% below |
| FITBFifth Third Bancorp | Accumulation | 11.5% below |
| MTBM&T Bank | Accumulation | 11.2% below |
A peer links to its own page where one exists.
Cullen/Frost Bankers stock FAQ
What is Cullen/Frost Bankers’s market cap?
Cullen/Frost Bankers’s market cap is $9.72B at the Sep 28, 2026 close of $156.42, with 62.15M shares outstanding. The shares trade on a P/E ratio of 14.9.
What is the Cullen/Frost Bankers stock forecast?
The consensus analyst 12-month price target for Cullen/Frost Bankers is $173.79, +11.1% from the last close. Of the 13 firms that rated the stock in the last 90 days, 5 rate it a buy, 7 a hold and 1 a sell. Gekko doesn’t publish price predictions of its own.
Is Cullen/Frost Bankers stock overvalued or undervalued?
On Gekko’s estimate Cullen/Frost Bankers is undervalued: the Sep 28, 2026 close of $156.42 is 6.5% below Gekko Fair Value of $167.38. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Cullen/Frost Bankers report earnings next?
Cullen/Frost Bankers is expected to report on Oct 29, 2026, before the market opens (30 days away). Analysts expect earnings of $2.79 per share on revenue of $609.8M. Cullen/Frost Bankers beat the earnings estimate in 8 of its last 8 reports, moving 3% on average across the report.
What is Cullen/Frost Bankers’s 52-week high and low?
Cullen/Frost Bankers’s 52-week high is $170.80 and its 52-week low is $119.00; it closed at $156.42 on Sep 28, 2026, +22.0% over the past year.
Is Cullen/Frost Bankers stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 5 items with data read as supportive (gekkoindex, fair value, earnings risk and seasonality), 1 as mixed (trend). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
See Cullen/Frost Bankers the way Gekko members do
Every GekkoIndex reading, insider trade, options bet and Congress disclosure plotted on the chart, plus the 5,800-name screener and trade planning tools.
Join 1,380 other traders using Gekko
Start Your FREE 7 Day Trial → Every feature unlocked. No credit card required.