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Upturn AI SWOT - About
CFR 
Cullen/Frost Bankers Inc (CFR)
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Upturn Advisory Summary
03/27/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 5.74% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.95B USD | Price to earnings Ratio 13.96 | 1Y Target Price 135.42 |
Price to earnings Ratio 13.96 | 1Y Target Price 135.42 | ||
Volume (30-day avg) 488377 | Beta 0.96 | 52 Weeks Range 92.03 - 145.63 | Updated Date 04/1/2025 |
52 Weeks Range 92.03 - 145.63 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.04% | Basic EPS (TTM) 8.86 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.15% | Operating Margin (TTM) 36.71% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 15.3% |
Valuation
Trailing PE 13.96 | Forward PE 14.14 | Enterprise Value 2718109440 | Price to Sales(TTM) 3.98 |
Enterprise Value 2718109440 | Price to Sales(TTM) 3.98 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 64235000 | Shares Floating 58942065 |
Shares Outstanding 64235000 | Shares Floating 58942065 | ||
Percent Insiders 7.64 | Percent Institutions 87.07 |
Analyst Ratings
Rating 2.86 | Target Price 135.08 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 7 | Sell 1 | Strong Sell 3 | |
Strong Sell 3 |
Upturn AI SWOT
Cullen/Frost Bankers Inc
Company Overview
History and Background
Cullen/Frost Bankers, Inc. was founded in 1868 in San Antonio, Texas, by T.C. Frost. It began as a small banking operation serving the local community and has grown through organic expansion and strategic acquisitions into one of the largest independent bank holding companies in Texas.
Core Business Areas
- Commercial Banking: Offers a range of financial products and services to businesses, including loans, deposit accounts, cash management, and international banking services.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, loans, mortgages, and investment products.
- Wealth Management: Offers wealth management services to high-net-worth individuals and families, including investment management, trust services, and financial planning.
Leadership and Structure
The current CEO is Phillip D. Green. The organizational structure is typical of a bank holding company, with various departments and divisions responsible for different aspects of the business. The company has a Board of Directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data varies by region in Texas. Competitors include JPMorgan Chase, Bank of America, and Wells Fargo.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include regional and national banks like Texas Capital Bank and Citibank.
- Wealth Management Services: Investment management, financial planning, and trust services for high-net-worth individuals. Competitors include Goldman Sachs and Morgan Stanley.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory pressures, and the rise of fintech companies. Interest rates are rising, impacting profitability. Economic conditions in Texas heavily influence Cullen/Frost.
Positioning
Cullen/Frost is a well-established regional bank with a strong reputation for customer service and community involvement. Its competitive advantage lies in its local expertise and relationships.
Total Addressable Market (TAM)
The TAM includes all banking and wealth management services in Texas and surrounding regions, estimated at hundreds of billions of dollars. Cullen/Frost's position is a regional powerhouse with solid market share but with ample opportunity for continued growth.
Upturn SWOT Analysis
Strengths
- Strong Texas presence
- Excellent customer service
- Conservative underwriting standards
- Strong capital base
Weaknesses
- Limited geographic diversification
- Reliance on Texas economy
- Higher operating costs compared to larger banks
- Slower adoption of new technologies compared to some peers
Opportunities
- Expansion into new markets within Texas
- Growth in wealth management business
- Increased adoption of digital banking technologies
- Acquisition opportunities
Threats
- Economic downturn in Texas
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Changes in regulatory environment
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- TCBI
Competitive Landscape
Cullen/Frost competes with larger national banks, regional banks, and fintech companies. Its advantages include its strong local presence and customer service, while disadvantages include its limited geographic diversification and scale.
Major Acquisitions
Texas Capital Bancshares Inc.
- Year: 2022
- Acquisition Price (USD millions): 370
- Strategic Rationale: Expanded market position and product offerings. Diversified into new markets and client bases
Growth Trajectory and Initiatives
Historical Growth: Cullen/Frost has grown steadily over the past decade, primarily through organic growth and strategic acquisitions.
Future Projections: Analyst estimates project continued moderate growth in revenue and earnings, driven by expansion in Texas and wealth management growth.
Recent Initiatives: Recent initiatives include expanding digital banking offerings and investing in technology to improve efficiency.
Summary
Cullen/Frost is a strong regional bank with a solid presence in Texas, driven by its superior customer service. It leverages conservative underwriting. Challenges include reliance on the Texas economy and increasing competition. Continued expansion within Texas and tech adoption are critical. Investors should consider risks and opportunities.
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Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is dynamic and subject to change. This is AI generated and please see an official financial advisor before making any investment decisions.
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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