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CFR

Cullen/Frost BankersC
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 results support a constructive operating case: double-digit EPS growth, solid loan and deposit expansion, improving NIM, fee-income growth, strong capital, and continued Texas customer acquisition. Stored earnings context reports EPS above consensus but revenue below consensus, making the upside case dependent on sustained operating execution.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.6.
What can break
Branch expansion and employee, technology, and operating-cost growth could dilute efficiency gains.
Momentum
60
Value
49
Sentiment
65
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $170.00 · Bull $185.00 · Bear $150.00Analysis 2026-08-04; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-04 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $174.07
Why
Momentum60 · Δ7d +2.4
Value49 · Δ7d -6.3
Sentiment65 · Δ7d +2.6
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +2.6.

Contradictions & invalidation

  • • Branch expansion and employee, technology, and operating-cost growth could dilute efficiency gains.
  • • Higher non-accrual loans and multifamily CRE exposure could increase credit costs.
  • • The revenue miss, higher non-accrual loans, intensified Texas lending competition, and rising operating costs temper the positive earnings trajectory.

Catalyst clock

2026-09-15

Q3 common dividend payment and authorized repurchases provide a modest return floor

Lead driver: Sentiment · See AI snapshot
Momentum
60
9% active weight
Current posture
7d trendImproving
Δ7d
+2.4
Δ21d
-3.5
Value
49
28% active weight
Current posture
7d trendSoftening
Δ7d
-6.3
Δ21d
-0.0
Sentiment
65
62% active weight
Current posture
7d trendImproving
Δ7d
+2.6
Δ21d
+1.1
Why this grade

Composite grade C. Momentum 60.4 / Value 48.9 / Sentiment 65.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-04. Scenario method

B+
Bull case
25%
Probability
Target price
$185.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$170.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$150.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$10.45B
Beta
0.64
Shares Out
62.15M
P/E (TTM)
13.8
P/S (TTM)
3.90
P/FCF (TTM)
13.97
Rev YoY
+0.5%
EPS YoY
+12.8%
Gross Margin
-
Op Margin
+27.8%
Net Debt
$4.45B
Current Ratio
0.21
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data