Cullen/Frost Bankers (CFR) stock

Texas banking , market cap $9.7B

Banking for Texas businesses and people

Worth $9.7B

$158.16

+0.07%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Average

In its industry

#88of 168

Banks

Checks firing

5of 14

Trending up

From 52-week high

-7.4%

under its best in a year

CFR's Quality Score rose 1 point on Tue, Nov 10, to 8. Its price settled into a narrow range.

See CFR's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

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Key facts on CFR

Key facts on CFR
The chart	Above every average
Latest filing	8-K, Oct 29 Received a notice about its stock exchange listing

1 more reason behind CFR's 8, free with an account →1 more reason behind CFR's 8, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.25 pt-0.09 ptTue Nov 10in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Tue Nov 10. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

What's next

Mon Nov 30: Ex-dividend, $1.03 a shareAt the open. Pays Dec 15.

CFR catalysts

Coming up

After its last 4 reports it closed +0.8% on average, higher 3 of 4 times.

Why CFR scores 8

Averagefor quality, not price, 5 of 14 chart checks firingWhat the Quality Score means

+5Chart checks 5 of 14 firing right now, one point each
+3Long-term trend above a rising 200-⁠day average, near its 52-⁠week high

Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Insider trades subtracts

No effect today: Run-up, Size, Growth, Dilution, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on CFR and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 10:56 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when CFR's Quality Score turns up

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How CFR ranks in Banks

CFR is #88 of 168 by Quality Score.

How CFR ranks in Banks
Rank	Stock	Checks	Quality Score
1	TMPTompkins Financial	8/14	18
2	CBCCentral Bancompany	10/14	18
3	CHCOCity	8/14	17
	CBUCommunity Financial System		Open for its score
	CFGCitizens Financial		Open for its score
	CIBGrupo Cibest		Open for its score
88	CFRCullen/Frost Bankers	5/14	8

Sales over four quarters against a year before: CFR +6.6%, KEY +25%.

When does CFR report earnings, and what happens after?

Expected to report Thu Jan 28, before the open (in 79 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What CFR reported on Oct 29, 2026

The quarter

The figures are not read from the release yet.

“The increase in salaries and wages was primarily related to increases in salaries due to annual merit and market increases and growth in the number of employees, driven in part by investments in organic expansion across various markets.”

The filing on EDGAR

Where the sales came from

CFR's results filing gives no sales by line in a table we read.

The outlook

No outlook figures read from this release.

The numbers

Market value: $9.7B; today
Sales: $2.3B; up 6.6% on the year

Sales grew 9.2% a year over 5 years, fiscal 2020 to 2025.

Pays $4.12 a share a year.

2 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on CFR: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

+1.5%+1.7%+0.5%

Apr 30Jul 30Oct 29

Reported	When	Gap	Reaction	5 days
Oct 29, 2026Before open	Before open	+1.9%	+0.5%	+1.7%
Jul 30, 2026No time given	No time given	+0.8%	+1.7%	+0.8%
Apr 30, 2026Before open	Before open	-1.8%	+1.5%	-1.4%

CFR closed higher after 3 of its last 4 reports.

All 4 reports, and CFR's Quality Score going into each

CFR sales and profit by year

Sales and profit by year

Sales grew in six of the last seven years, to $2.2B in 2025. It made a profit in each of the eight years.

CFR has 5 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on CFR, and all 14 on every stock.Get in free →

CFR RSI today: 53.3, above its 50-day and 200-day averages

Not scored

RSI 53.3, MACD above signal, above both averages. Not scored.13 readings

The deep dive on CFR

What it does and how it makes money1 findingFor Pro members1 finding on what CFR does and how it makes money, for Pro members
Where it stands1 findingIts share count fell 3.1% in the year to Sep 30, 2026.Weighted shares, the quarter to Sep 30, 2026
Who holds and trades it3 findingsFor Pro members3 findings on who holds and trades CFR, for Pro members
Against its closest peers1 peerSales over four quarters against a year before: CFR +6.6%, KEY +25%.

4 more findings on CFR, each with its source, for Pro members.

Is CFR's dividend covered? What its financials say

Its dividends come to 44% of its free cash flow.

CFR's dividend against its free cash flow
Dividend	$4.12 a share a year Paid 4 times a year
Paid out	About $256M a year $4.12 a share on 62.2M shares, the count on its cover page as of Oct 27, 2026
Free cash flow	$578M The last four quarters, to Sep 30, 2026
Record	Raised every year since 2008 Its dividends a share each year, from its annual reports

CFR insider trades

4 insiders sold $1M across 4 filings in the last 6 months. No open-⁠market buys on record. The newest:

SellPaul Bracher$459KPresident of CFRat $158.24 on Nov 5, filed yesterday

SellPaul BracherPresident of CFR$459Kat $158.24 on Nov 5, filed yesterday

All 4 insider filings on CFR from the last six months, for Pro members.

All CFR insider trades

CFR's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Phillip D. GreenChairman and CEO · no trades on file
Dan GeddesGEVP & Chief Financial Officer · no trades on file
Bobby BermanGEVP Research & Strategy · 2 trades
Coolidge E. Rhodes Jr.Group EVP General Counsel/Sec · 1 trade
Ericka Lynn PullinGEVP, Culture & People Dev. · 1 trade
Matthew Bradley HensonChief Accounting Officer · 1 trade
Paul BracherPresident of CFR · 1 trade
Annette M. AlonzoGEVP Chief HR Officer · no trades on file

5 more officers and directors file at CFR.

See insider trades by person

Which ETFs hold CFR?

In ETFs: CFR is under 0.1% of DGRO, under 0.1% of VIG, and under 0.1% of VYM, the most of the 24 funds Breakaway covers, by their holdings as filed for Jul 31, 2026.

About Cullen/Frost Bankers

Cullen/Frost is a regional US bank with around $54 billion in assets (as of June 2026), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based banking approach that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through targeted branch openings rather than acquisitions. The bank's sweet spot is small to medium-sized Texas-based commercial clients.

6,008 employeesSan Antonio, TXfrostbank.com

What Cullen/Frost Bankers says it competes with

“There is significant competition among commercial banks in our market areas.”

From its annual report, SEC filing · Feb 5, 2026

Here is what Pro members see.

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Its Quality Score and rank, the line that drives it, and the live price.
The full chart
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Every line of the score
Price action, the company, and signals, each with its points, on CFR and every other stock.
CEOs buying their own stock
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Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
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What would move CFR's score: 6 things
3 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawayyesterdayPaul Bracher sold CFR$459K at $158.24, filed Nov 9

Alerts are optional.

See CFR's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: CFR's Quality Score is 8 (Average), #88 of 168 in Banks. Insiders sold $1M in the last 6 months (Form 4).

What does CFR's Quality Score say?

CFR scores 8 today, which Breakaway calls Average. It is #88 of 168 in Banks by Quality Score, with 5 of 14 chart checks firing. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is CFR's Quality Score?

CFR scores 8 today, which Breakaway calls Average (6 to 10). That is #88 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind CFR's 8.

Are insiders buying CFR?

4 insiders sold $1M across 4 filings in the last 6 months. No open-⁠market buys on record. The newest is Paul Bracher, President of CFR, who sold $459K on Nov 5. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.