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Upturn AI SWOT - About
CFR 
Cullen/Frost Bankers Inc (CFR)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: 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 $134.31
1 Year Target Price $134.31
| 1 | Strong Buy |
| 1 | Buy |
| 9 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.79% | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.42B USD | Price to earnings Ratio 14.08 | 1Y Target Price 134.31 |
Price to earnings Ratio 14.08 | 1Y Target Price 134.31 | ||
Volume (30-day avg) 13 | Beta 0.68 | 52 Weeks Range 98.77 - 143.40 | Updated Date 08/28/2025 |
52 Weeks Range 98.77 - 143.40 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 9.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-31 | When Before Market | Estimate 2.31 | Actual 2.39 |
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 14.08 | Forward PE 14.31 | Enterprise Value 6370893312 | Price to Sales(TTM) 4.05 |
Enterprise Value 6370893312 | Price to Sales(TTM) 4.05 | ||
Enterprise Value to Revenue 4.1 | Enterprise Value to EBITDA - | Shares Outstanding 64325300 | Shares Floating 59021664 |
Shares Outstanding 64325300 | Shares Floating 59021664 | ||
Percent Insiders 7.64 | Percent Institutions 88.08 |
Upturn AI SWOT
Cullen/Frost Bankers Inc
Company Overview
History and Background
Cullen/Frost Bankers, Inc. was founded in 1868 as Frost National Bank in San Antonio, Texas. It has grown through organic expansion and acquisitions, becoming a leading financial institution in Texas.
Core Business Areas
- Commercial Banking: Offers a wide array of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Provides banking products and services to individual customers, including checking, savings, loans, and wealth management.
- Wealth Management: Offers trust, investment management, and financial planning services to individuals and institutions.
Leadership and Structure
The current CEO is Phillip Green. The company operates with a traditional hierarchical structure common in the banking industry.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, equipment financing, and real estate. Competitors include Bank of America (BAC), JP Morgan Chase (JPM), and Wells Fargo (WFC). Revenue data not publicly available.
- Deposit Accounts: Checking, savings, and money market accounts for both individuals and businesses. Competitors include Bank of America (BAC), JP Morgan Chase (JPM), and Wells Fargo (WFC). Market share data not publicly available.
- Wealth Management Services: Investment management, financial planning, and trust services. Competitors include Charles Schwab (SCHW), Fidelity, and Goldman Sachs (GS). Market share data not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Cullen/Frost Bankers, Inc. is a strong regional bank focused primarily on the Texas market with a reputation for excellent customer service and relationship banking.
Total Addressable Market (TAM)
The TAM for banking services in Texas is substantial, estimated in the hundreds of billions of dollars. Cullen/Frost Bankers is positioned to capture a significant share through its established presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong Texas market presence
- Excellent customer service reputation
- Conservative lending practices
- Experienced management team
Weaknesses
- Geographic concentration in Texas
- Limited international presence
- Reliance on traditional banking model
- Smaller scale compared to national banks
Opportunities
- Expansion into new Texas markets
- Increased adoption of digital banking solutions
- Growth in wealth management business
- Acquisitions of smaller banks
Threats
- Economic downturn in Texas
- Increased competition from national banks and fintech companies
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- KEY
- HBAN
Competitive Landscape
Cullen/Frost Bankers, Inc. competes with larger national banks and smaller regional banks. Its strength lies in its customer service and Texas focus, while its weakness is its smaller scale.
Major Acquisitions
Texas Capital Bancshares
- Year: 2021
- Acquisition Price (USD millions): 3100
- Strategic Rationale: Expanded market share in Texas.
Growth Trajectory and Initiatives
Historical Growth: Cullen/Frost Bankers has experienced steady growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in Texas markets and growth in wealth management.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new Texas markets like Austin.
Summary
Cullen/Frost Bankers is a regional bank in Texas with a strong reputation for customer service and conservative lending. While it benefits from its strong presence in a growing market, its geographic concentration poses a risk. Investment in digital capabilities and wealth management are key to future growth and allows it to be competitive among larger national banks. The bank is a stable, profitable institution, but its growth potential may be limited by its regional focus.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company reports
- Analyst estimates
- Market research reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation 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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