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Upturn AI SWOT - About
CFR 
Cullen/Frost Bankers Inc (CFR)
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Upturn Advisory Summary
10/21/2025: 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 $136.67
1 Year Target Price $136.67
| 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 10/21/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.05B USD | Price to earnings Ratio 13.47 | 1Y Target Price 136.67 |
Price to earnings Ratio 13.47 | 1Y Target Price 136.67 | ||
Volume (30-day avg) 13 | Beta 0.69 | 52 Weeks Range 98.77 - 143.40 | Updated Date 10/21/2025 |
52 Weeks Range 98.77 - 143.40 | Updated Date 10/21/2025 | ||
Dividends yield (FY) 3.14% | 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 13.47 | Forward PE 14.62 | Enterprise Value 5834420224 | Price to Sales(TTM) 3.87 |
Enterprise Value 5834420224 | Price to Sales(TTM) 3.87 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA - | Shares Outstanding 64325284 | Shares Floating 62717152 |
Shares Outstanding 64325284 | Shares Floating 62717152 | ||
Percent Insiders 7.64 | Percent Institutions 88.02 |
Upturn AI SWOT
Cullen/Frost Bankers Inc
Company Overview
History and Background
Cullen/Frost Bankers, Inc. was founded in 1868 in San Antonio, Texas. Initially, it was Frost National Bank. Over time, it expanded across Texas through organic growth and acquisitions, evolving into a major regional bank holding company.
Core Business Areas
- Commercial Banking: Offers a wide array of lending, deposit, and treasury management services to businesses of various sizes.
- Retail Banking: Provides banking services, including checking and savings accounts, loans, and investment products, to individual customers.
- Wealth Management: Offers trust, investment management, and brokerage services to individuals, families, and institutions.
- Insurance: Offers insurance products through its wholly owned subsidiary Frost Insurance Agency.
Leadership and Structure
The company is led by Chairman and CEO Phillip Green. The organizational structure includes executive management responsible for different business segments and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, and equipment financing. Market share data is not publicly available for specific loan types. Competitors include JPMorgan Chase, Bank of America, Wells Fargo, and other regional banks.
- Treasury Management Services: Solutions to help businesses manage their cash flow, including online banking, payment processing, and fraud prevention. Market share data is not publicly available. Competitors include JPMorgan Chase, Bank of America, and regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available for specific deposit types. Competitors include JPMorgan Chase, Bank of America, Wells Fargo, and other regional banks and credit unions.
- Wealth Management Services: Investment advice and financial planning services for high-net-worth individuals. Market share is fragmented. Competitors include Goldman Sachs, Morgan Stanley, UBS, and other wealth management firms.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, technological advancements (fintech), and economic conditions. Competition is intense, with both large national banks and smaller regional players vying for market share.
Positioning
Cullen/Frost is positioned as a strong regional bank with a focus on customer service and relationship banking. It has a reputation for stability and conservative lending practices, giving it a competitive advantage in certain markets.
Total Addressable Market (TAM)
The TAM for banking services in Texas, where Cullen/Frost primarily operates, is significant and estimated to be in the hundreds of billions of dollars. Cullen/Frost captures a relatively small, but significant, percentage of the overall market, focused on specific segments and geographic areas.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Texas
- Conservative lending practices
- Excellent customer service
- Solid capital base
- Experienced management team
Weaknesses
- Geographic concentration in Texas
- Limited international presence
- Potentially slower growth compared to more aggressive competitors
- Reliance on traditional banking model in the face of fintech disruption
Opportunities
- Expansion into new markets within Texas and adjacent states
- Increased adoption of digital banking technologies
- Growing wealth management business
- Acquisition opportunities
- Increased commercial loan growth
Threats
- Increased competition from larger national banks and fintech companies
- Economic downturn in Texas
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- KEY
- HBAN
Competitive Landscape
Cullen/Frost benefits from a strong regional presence and loyal customer base, however national banks such as JPMorgan Chase and Bank of America wield a larger market share due to their greater resource and diverse customer base
Major Acquisitions
Texas Capital Bancshares
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Rumors existed, but no acquisition occurred. It represents a potential growth avenue that was not realized.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is not included in this response as the prompt dictates focusing on structure and format above specific, real-time financial data.
Future Projections: Future projections are not included in this response as the prompt dictates focusing on structure and format above specific, real-time financial data.
Recent Initiatives: Recent initiatives are not included in this response as the prompt dictates focusing on structure and format above specific, real-time financial data.
Summary
Cullen/Frost is a well-established regional bank with a strong reputation in Texas and a loyal customer base. Its conservative approach to lending provides stability. However, it faces challenges from larger national banks and the rise of fintech companies. Expanding its digital offerings and exploring strategic acquisitions could drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Actual results may differ from projections.
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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