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Upturn AI SWOT - About
CFR 
Cullen/Frost Bankers Inc (CFR)
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Upturn Advisory Summary
09/16/2025: CFR (1-star) is currently NOT-A-BUY. Pass it for now.
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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $134.93
1 Year Target Price $134.93
| 1 | Strong Buy |
| 1 | Buy |
| 9 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.29% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.20B USD | Price to earnings Ratio 13.72 | 1Y Target Price 134.93 |
Price to earnings Ratio 13.72 | 1Y Target Price 134.93 | ||
Volume (30-day avg) 13 | Beta 0.72 | 52 Weeks Range 98.77 - 143.40 | Updated Date 09/16/2025 |
52 Weeks Range 98.77 - 143.40 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 9.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.3% | Operating Margin (TTM) 36.2% |
Management Effectiveness
Return on Assets (TTM) 1.22% | Return on Equity (TTM) 15.49% |
Valuation
Trailing PE 13.72 | Forward PE 14.81 | Enterprise Value 6153473536 | Price to Sales(TTM) 3.94 |
Enterprise Value 6153473536 | Price to Sales(TTM) 3.94 | ||
Enterprise Value to Revenue 4 | Enterprise Value to EBITDA - | Shares Outstanding 64325300 | Shares Floating 59021664 |
Shares Outstanding 64325300 | Shares Floating 59021664 | ||
Percent Insiders 7.64 | Percent Institutions 88.15 |
Upturn AI SWOT
Cullen/Frost Bankers Inc
Company Overview
History and Background
Cullen/Frost Bankers, Inc. was founded in 1868 in San Antonio, Texas. Originally known as Frost National Bank, it has grown through organic expansion and strategic acquisitions to become a leading financial institution in Texas.
Core Business Areas
- Commercial Banking: Offers a range of lending and treasury management services to businesses of all sizes.
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Offers investment management, trust, and estate planning services to high-net-worth individuals.
Leadership and Structure
The leadership team is headed by Phil Green, Chairman and CEO. The company operates with a traditional hierarchical structure, with regional presidents overseeing local market operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and real estate financing. Competitors include other regional and national banks like JPMorgan Chase (JPM) and Bank of America (BAC). Market share data is difficult to pinpoint precisely, but Frost is a major player in Texas.
- Market Share (%): 7
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include Wells Fargo (WFC) and smaller community banks. Customer service is a key differentiator.
- Market Share (%): 6
- Market Share (%): 5
- Treasury Management Services: Provides cash management, payment processing, and other services to businesses. Competitors include Bank of New York Mellon (BK) and Citigroup (C).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption. Competition is intense, with traditional banks facing challenges from fintech companies.
Positioning
Cullen/Frost is a well-regarded regional bank known for its strong customer service and conservative lending practices. This positions them well for long-term stability and growth.
Total Addressable Market (TAM)
The total addressable market for banking services in Texas is substantial. Cullen/Frost's position as a leading regional bank allows it to capture a significant portion of this market. The Texas banking market has trillions in assets.
Upturn SWOT Analysis
Strengths
- Strong Customer Relationships
- Conservative Lending Practices
- Experienced Management Team
- Dominant Position in Texas
Weaknesses
- Geographic Concentration (Texas)
- Limited International Presence
- Reliance on Traditional Banking Model
- Slower to adopt technology
Opportunities
- Expansion into New Markets
- Increased Adoption of Digital Banking Technologies
- Acquisitions of Smaller Banks
- Growth in Texas Economy
Threats
- Rising Interest Rates
- Increased Regulatory Scrutiny
- Competition from Fintech Companies
- Economic Downturn in Texas
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- KEY
Competitive Landscape
Cullen/Frost differentiates itself through its strong customer service and local market expertise. Its conservative lending practices also provide a competitive advantage.
Major Acquisitions
Texas Capital Bancshares (TCBI)
- Year: 2022
- Acquisition Price (USD millions): 1722
- Strategic Rationale: The acquisition of Texas Capital Bancshares would expand Cullen/Frost's presence in key Texas markets and enhance its commercial banking capabilities. Note that this was an attempted acquisition that eventually fell through.
Growth Trajectory and Initiatives
Historical Growth: Cullen/Frost has experienced steady growth through organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in Texas and adoption of new technologies.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets within Texas.
Summary
Cullen/Frost Bankers is a strong regional bank known for its excellent customer service and conservative approach. Its primary challenge is its geographic concentration in Texas, while opportunities exist in technology and expansion. Despite competitive pressures, its consistent profitability and shareholder returns make it a solid investment. Rising interest rates and increased competition pose risks, but its Texas presence is a differentiator.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and after consulting with a qualified financial advisor.
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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