Cluenex
Log inStart free
All stocks · Financial Services · Regional Banks

Frost Bank CFR

Frost Bank scores average on business quality (6.0 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$150.24Oct 10, 2026
Business qualityAverage
Next earningsOct 29, 2026
Insiders, 90 daysQuiet

Why it matters

  1. What Frost Bank does

    Cullen/Frost Bankers operates as a regional financial institution centered in Texas, generating revenue primarily through traditional banking services, commercial loans, and wealth management for individuals and businesses. The bank is expanding its branch footprint across major Texas markets to capture regional economic growth.

  2. What it does best

    Cullen/Frost excels at generating high-return equity through core banking, posting a 15.0% ROE that outpaces peer FHN's 11.7%. This advantage is protected by deep regional relationships and Texas market loyalty that lowers deposit acquisition costs.

  3. The main risk

    The primary threat is rising interest expense squeezing net interest margins if deposit costs outpace asset yields. With total debt at $4.8B, ongoing rate volatility directly pressures profitability.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityFair

Net margin stands at 29.1% with an ROE of 15.0%, showing solid returns from core operations as the bank scales its footprint.

MoatFair

Its moat relies on regional banking density in Texas, locking in commercial depositors with local service. ROE sits in the 47th sector percentile.

GrowthSteady

Revenue grew 8.3% to $2.3B, sitting in the middle of the pack at the 58th sector percentile and accelerating slightly vs historical annual rates.

Financial healthStrong

Debt-to-equity sits at 1.0, supported by $542M in free cash flow and $720M in operating cash flow, showing a stable position.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

No open market buys or unplanned sales by executives or directors.

Our sealed record on CFR

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is CFR a good business?

Frost Bank scores average on the Cluenex quality check (6.0 of 10), measured against its own industry. Profitability is fair, moat fair, growth steady and financial health strong.

Are insiders buying CFR?

In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.

When does CFR report earnings?

Oct 29, 2026.

For members

See CFR today

  • Today's verdict on CFR, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
Open in Cluenex Free to start. First month of Core free.

Cite this page: Cluenex, “Frost Bank (CFR)”, https://cluenex.com/stocks/cfr/, data as of Oct 10, 2026.