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Upturn AI SWOT - About
CFR 
Cullen/Frost Bankers Inc (CFR)
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Upturn Advisory Summary
06/30/2025: CFR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
13 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $129.67
1 Year Target Price $129.67
| 1 | Strong Buy |
| 1 | Buy |
| 9 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.67% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.29B USD | Price to earnings Ratio 14.14 | 1Y Target Price 129.67 |
Price to earnings Ratio 14.14 | 1Y Target Price 129.67 | ||
Volume (30-day avg) 13 | Beta 0.67 | 52 Weeks Range 94.08 - 144.51 | Updated Date 06/30/2025 |
52 Weeks Range 94.08 - 144.51 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.10% | Basic EPS (TTM) 9.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.33% | Operating Margin (TTM) 35.34% |
Management Effectiveness
Return on Assets (TTM) 1.18% | Return on Equity (TTM) 15.42% |
Valuation
Trailing PE 14.14 | Forward PE 14.37 | Enterprise Value 5571033088 | Price to Sales(TTM) 4.07 |
Enterprise Value 5571033088 | Price to Sales(TTM) 4.07 | ||
Enterprise Value to Revenue 4.11 | Enterprise Value to EBITDA - | Shares Outstanding 64287900 | Shares Floating 58984186 |
Shares Outstanding 64287900 | Shares Floating 58984186 | ||
Percent Insiders 7.64 | Percent Institutions 84.85 |
Analyst Ratings
Rating 4 | Target Price 129.67 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 9 | Sell - | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Cullen/Frost Bankers Inc
Company Overview
History and Background
Cullen/Frost Bankers, Inc. traces its roots back to 1868 with the founding of Frost National Bank in San Antonio, Texas. It has grown through acquisitions and organic expansion to become a leading financial institution in Texas.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including loans, deposits, and cash management solutions for businesses of all sizes.
- Retail Banking: Provides retail banking services to individuals, including checking and savings accounts, personal loans, and mortgages.
- Wealth Management: Offers wealth management services, including investment management, financial planning, and trust services.
Leadership and Structure
The leadership team includes Phil Green (Chairman and CEO). The organizational structure is typical of a regional bank, with divisions for commercial banking, retail banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, expansion, and equipment financing. Frost Bank's market share in Texas is significant but not dominant. Competitors include JPMorgan Chase, Bank of America, and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share varies by region within Texas. Competitors include large national banks and smaller community banks.
- Wealth Management Services: Investment management, financial planning, and trust services for high-net-worth individuals and families. Competition includes national brokerage firms and independent advisory firms.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, and increasing competition from fintech companies. Economic conditions in Texas heavily impact the banking sector.
Positioning
Cullen/Frost is a well-established regional bank with a strong reputation for customer service and relationship banking. Its competitive advantages include its deep understanding of the Texas market and its focus on building long-term relationships with clients.
Total Addressable Market (TAM)
The TAM for banking services in Texas is substantial, encompassing commercial lending, retail banking, and wealth management. Cullen/Frost is positioned to capture a portion of this market through its branch network, online banking platform, and focus on customer service.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Texas
- Experienced management team
- Conservative lending practices
- Focus on customer service
- Solid capital base
Weaknesses
- Geographic concentration in Texas
- Limited international presence
- Dependence on interest income
- Higher efficiency ratio compared to peers
Opportunities
- Expansion into new markets within Texas
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Acquisition opportunities
- Capitalizing on disruption in the commercial real estate market
Threats
- Economic downturn in Texas
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
Cullen/Frost competes with larger national banks, regional banks, and community banks. Its advantages include its strong brand reputation in Texas and its focus on customer service. Its disadvantages include its geographic concentration and limited international presence.
Major Acquisitions
Texas Capital Bancshares (Failed Merger)
- Year: 2019
- Acquisition Price (USD millions):
- Strategic Rationale: The proposed merger aimed to create a stronger Texas-based bank with increased scale and efficiency, but the deal ultimately failed.
Growth Trajectory and Initiatives
Historical Growth: Cullen/Frost has grown steadily over time through organic expansion and acquisitions.
Future Projections: Analyst estimates vary depending on market conditions and company performance. These can be found in financial news sources.
Recent Initiatives: Cullen/Frost has focused on expanding its digital banking capabilities and growing its wealth management business.
Summary
Cullen/Frost is a financially stable regional bank focused primarily within Texas, which is both a strength and a weakness. The company has a strong reputation, but it faces increasing competition from national players and fintech companies, and is highly dependent on the Texas economy. They have focused on recent initiatives in digital banking. Its dependence on net interest income and Texas operations is something to watch out for.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings (10-K, 10-Q), Analyst reports, Financial news sources (e.g., Bloomberg, Reuters), Company press releases
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Financial data is based on historical information and is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Cullen/Frost Bankers Inc
Exchange NYSE | Headquaters San Antonio, TX, United States | ||
IPO Launch date 1990-03-26 | Chairman of the Board & CEO Mr. Phillip D. Green J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5854 | Website https://www.frostbank.com |
Full time employees 5854 | Website https://www.frostbank.com | ||
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. The company was founded in 1868 and is headquartered in San Antonio, Texas.
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