📊 CFR-PB Key Takeaways
Is Cullen/Frost Bankers, Inc.. (CFR-PB) a Good Investment?
Cullen/Frost demonstrates solid profitability with a 29% net margin and 14.2% ROE, supported by strong liquidity (8.9B cash) and zero leverage. However, the dramatic 1738.6% revenue surge is anomalous and likely driven by accounting changes or acquisitions rather than organic growth, raising concerns about sustainable earnings quality and the normalization of net income growth to just 1% YoY.
Cullen/Frost shows solid core bank fundamentals, with strong profitability reflected in a 29.0% net margin, 14.2% ROE, and 1.2% ROA. Balance sheet liquidity appears healthy with $8.87B of cash against a well-capitalized equity base, but growth quality is mixed because net income rose only 1.0% despite extreme reported revenue growth, suggesting classification noise rather than broad operating acceleration.
Why Buy Cullen/Frost Bankers, Inc.. Stock? CFR-PB Key Strengths
- Exceptional net profit margin of 29% indicates strong pricing power and operational efficiency
- Conservative balance sheet with zero debt and substantial cash reserves of 8.9B providing financial stability
- Positive free cash flow of 127.3M demonstrates ability to fund operations and returns to shareholders
- ROE of 14.2% shows reasonable returns on shareholder capital in banking context
- Strong profitability with 34.5% operating margin and 29.0% net margin
- Healthy returns for a bank at 14.2% ROE and 1.2% ROA
- Solid liquidity position with $8.87B in cash and no meaningful long-term debt reported
CFR-PB Stock Risks: Cullen/Frost Bankers, Inc.. Investment Risks
- Unexplained 1738.6% revenue spike is unsustainable and suggests one-time items or accounting adjustments masking underlying performance
- Anemic 1% net income growth YoY despite massive revenue increase indicates margin compression and deteriorating earnings quality
- Low ROA of 1.2% is weak for a bank and suggests asset utilization challenges or asset quality concerns
- Interest coverage of only 1.5x is concerning and indicates limited capacity to service obligations from operating income
- Reported revenue growth of 1738.6% appears low quality or accounting-driven since net income grew only 1.0%
- Interest coverage of 1.5x suggests limited cushion if funding costs stay elevated
- Bank earnings remain exposed to credit deterioration and pressure on net interest margins
Key Metrics to Watch
- Normalized organic revenue growth excluding one-time items to assess sustainable business trajectory
- Net interest margin and loan portfolio quality given weak ROA and interest coverage metrics
- Free cash flow sustainability as FCF margin of 5.7% may compress if profitability normalizes
- Net interest margin and deposit/funding costs
- Credit quality trends including charge-offs and nonperforming assets
Cullen/Frost Bankers, Inc.. (CFR-PB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFR-PB Profit Margin, ROE & Profitability Analysis
CFR-PB vs Finance Sector: How Cullen/Frost Bankers, Inc.. Compares
How Cullen/Frost Bankers, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Cullen/Frost Bankers, Inc.. Stock Overvalued? CFR-PB Valuation Analysis 2026
Based on fundamental analysis, Cullen/Frost Bankers, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Cullen/Frost Bankers, Inc.. Balance Sheet: CFR-PB Debt, Cash & Liquidity
CFR-PB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Cullen/Frost Bankers, Inc..'s revenue has grown significantly by 37% over the 5-year period, indicating strong business expansion. The most recent EPS of $9.10 reflects profitable operations.
CFR-PB Revenue Growth, EPS Growth & YoY Performance
CFR-PB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $27.4M | $146.5M | $2.24 |
| Q2 2025 | $26.1M | $145.5M | $2.21 |
| Q1 2025 | $24.8M | $135.7M | $2.06 |
| Q3 2024 | $23.6M | $146.5M | $2.24 |
| Q2 2024 | $23.5M | $145.5M | $2.21 |
| Q1 2024 | $21.9M | $135.7M | $2.06 |
| Q3 2023 | $23.0M | $155.7M | $2.38 |
| Q2 2023 | $23.5M | $119.1M | $1.81 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Cullen/Frost Bankers, Inc.. Dividends, Buybacks & Capital Allocation
CFR-PB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Cullen/Frost Bankers, Inc.. (CIK: 0000039263)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CFR-PB
What is the AI rating for CFR-PB?
Cullen/Frost Bankers, Inc.. (CFR-PB) has a Combined AI Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 66% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFR-PB's key strengths?
Claude: Exceptional net profit margin of 29% indicates strong pricing power and operational efficiency. Conservative balance sheet with zero debt and substantial cash reserves of 8.9B providing financial stability. ChatGPT: Strong profitability with 34.5% operating margin and 29.0% net margin. Healthy returns for a bank at 14.2% ROE and 1.2% ROA.
What are the risks of investing in CFR-PB?
Claude: Unexplained 1738.6% revenue spike is unsustainable and suggests one-time items or accounting adjustments masking underlying performance. Anemic 1% net income growth YoY despite massive revenue increase indicates margin compression and deteriorating earnings quality. ChatGPT: Reported revenue growth of 1738.6% appears low quality or accounting-driven since net income grew only 1.0%. Interest coverage of 1.5x suggests limited cushion if funding costs stay elevated.
What is CFR-PB's revenue and growth?
Cullen/Frost Bankers, Inc.. reported revenue of $2.2B.
Does CFR-PB pay dividends?
Cullen/Frost Bankers, Inc.. pays dividends, with $255.4M distributed to shareholders in the trailing twelve months.
Where can I find CFR-PB SEC filings?
Official SEC filings for Cullen/Frost Bankers, Inc.. (CIK: 0000039263) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CFR-PB's EPS?
Cullen/Frost Bankers, Inc.. has a diluted EPS of $9.92.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CFR-PB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Cullen/Frost Bankers, Inc.. has a BUY rating with 66% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is CFR-PB stock overvalued or undervalued?
Valuation metrics for CFR-PB: ROE of 14.2% (sector avg: 12%), net margin of 29.0% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy CFR-PB stock in 2026?
Our dual AI analysis gives Cullen/Frost Bankers, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is CFR-PB's free cash flow?
Cullen/Frost Bankers, Inc..'s operating cash flow is $274.0M, with capital expenditures of $146.7M. FCF margin is 5.7%.
How does CFR-PB compare to other Finance stocks?
Vs Finance sector averages: Net margin 29.0% (avg: 25%), ROE 14.2% (avg: 12%), current ratio N/A (avg: 1.2).