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Cullen/Frost Bankers Inc (CFR) — chart, structure and Closelooknet read

The Closelooknet read

Cullen/Frost Bankers is the holding company for Frost Bank, a Texas-focused lender offering commercial and consumer banking, treasury management, trust and investment services, and capital-markets support to businesses and individuals. It also runs international banking, correspondent banking and insurance and brokerage services, serving sectors from energy to manufacturing to retail across its home state.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for CFR, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 3 macro readings: Money Temperature, Factor regime, Sovereign pressure

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 44/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-05
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 73th percentile of the window, -21.7% over 20 sessions. Factor regime → 2026-11-04
  • Sovereign pressure Index -2.05 · down 2.95 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-05
How it trades on rate days beta 0.21 to TLT · on the worst bond days it held up better than the market

How it trades on rate days

How CFR has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.21 — shows only a loose link to bond moves for every 1% move in TLT (20+ year Treasuries), Cullen/Frost Bankers Inc moved 0.21% on average · correlation 0.10 · higher than 16% of US names
  • Beta, last 3 months 0.34 about the same as over the year
  • On the 10 worst bond days +0.02% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +1.26% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Banks - Regional · United States · 8 names with week and year-to-date

Peer group

Banks - Regional · United States

This name carries no Closelooknet score, so its cohort ranks on trend state — distance to the 50- and 200-day averages — never on a score it does not have.

Compared against CFR on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — Cullen/Frost Bankers Inc

CFR in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Cullen/Frost Bankers is the holding company for Frost Bank, a Texas-focused lender offering commercial and consumer banking, treasury management, trust and investment services, and capital-markets support to businesses and individuals. It also runs international banking, correspondent banking and insurance and brokerage services, serving sectors from energy to manufacturing to retail across its home state. The bank is based in San Antonio and has traded publicly since the early 1990s.
Where it sits in the stack
Cullen/Frost sits outside the AI build-out stack; it belongs to the regional banking corner of our universe, grouped with US Financial Services and the Banks - Regional industry rather than any layer of the chip or infrastructure chain.
Who it is priced against
Closelooknet's peer group holds no entry for CFR; the comparison the market draws is with Comerica, another Texas-anchored regional lender with a similar commercial banking focus.
Why Closelooknet tracks it
It holds a seat in the Russell 1000 but carries no Closelooknet score yet, and the diary has not quoted it in any edition so far.
What the diary watches
Whether loan demand from its Texas commercial and energy customers holds up as the diary tracks how regional lenders react to shifts in interest rates.

Cullen/Frost Bankers Inc (CFR) trades on US exchanges.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 3 analyst actions on the wire · latest: price target by RBC Capital, 2026-10-09

The Street on this name

Analyst actions and the latest print for CFR from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target RBC Capital — target 175 from 176 Target cut to $175 from $176 (+15.9% to spot) 2026-10-09
  • Price target Evercore ISI — target 166 from 181 Target cut to $166 from $181 (+8.7% to spot) 2026-10-01
  • Price target Morgan Stanley — target 201 from 200 Target raised to $201 from $200 (+28.4% to spot) 2026-09-28

3 actions on the analyst wire since 2026-08-13: 3 target changes. Analyst wire → · Earnings wire →

Dividends and capital return trailing yield 2.59%, quarterly · last 1.03 USD on 2026-08-31

Dividends and capital return

What CFR pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 4.06 USD per share · a 2.59% yield on the 2026-11-05 close 4 distributions, paid quarterly 2026-11-05
  • Change on the year +4.1% against the prior twelve months prior twelve months 3.90 USD per share
  • Last distribution 1.03 USD per share as the price series records it, within days of the ex-date 2026-08-31
  • By calendar year 2023: 0.92 USD (partial) · 2024: 3.74 USD · 2025: 3.95 USD · 2026: 3.06 USD to date first distribution recorded in the three-year window: 2023-11-29

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-06

Quick answers

What is Cullen/Frost Bankers Inc (CFR)?

Cullen/Frost Bankers Inc trades as CFR on the US exchange (United States) in the Closelooknet research universe, as of the registry build of 2026-11-06.

Is CFR in a Closelooknet index?

Not currently — Cullen/Frost Bankers Inc is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-06.

Where does CFR trade against its moving averages?

Cullen/Frost Bankers Inc trades 0.4% below its 50-day and 5.4% above its 200-day moving average (0.5% above its 20-day). As of 2026-11-05 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does Cullen/Frost Bankers Inc compare with its peers?

Against its peer group (Banks - Regional · United States), Cullen/Frost Bankers Inc (CFR) sits 8.3% below its 52-week high, 0.4% below its 50-day average; Bank First National Corp (BFC) is 7.0% below, First Citizens BancShares, Inc. (FCNCA) is 5.2% below, Bank Ozk (OZK) is 4.3% below, as of 2026-11-05. Put any of them next to CFR in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Cullen/Frost Bankers Inc trade when bond yields rise?

Over the past year Cullen/Frost Bankers Inc had a beta of 0.21 to TLT, the long-dated Treasury fund — it shows only a loose link to bond moves, higher than 16% of US names. On the 10 sessions in which long bonds fell most it moved +0.02% on average, against −0.74% for the S&P 500. As of 2026-11-05; The "How it trades on rate days" block on this page carries the lines.

What does Cullen/Frost Bankers Inc do?

Cullen/Frost Bankers is the holding company for Frost Bank, a Texas-focused lender offering commercial and consumer banking, treasury management, trust and investment services, and capital-markets support to businesses and individuals. It also runs international banking, correspondent banking and insurance and brokerage services, serving sectors from energy to manufacturing to retail across its home state. The bank is based in San Antonio and has traded publicly since the early 1990s. Closelooknet's peer group holds no entry for CFR; the comparison the market draws is with Comerica, another Texas-anchored regional lender with a similar commercial banking focus. (Company snapshot of 2026-09-17.)

Where does Cullen/Frost Bankers Inc sit in the AI build-out?

Cullen/Frost sits outside the AI build-out stack; it belongs to the regional banking corner of our universe, grouped with US Financial Services and the Banks - Regional industry rather than any layer of the chip or infrastructure chain. It holds a seat in the Russell 1000 but carries no Closelooknet score yet, and the diary has not quoted it in any edition so far. (Company snapshot of 2026-09-17.)

Does Cullen/Frost Bankers Inc pay a dividend?

Cullen/Frost Bankers Inc has paid 4.06 USD per share over the last twelve months, paid quarterly, a trailing yield of 2.59% on the 2026-11-05 close; the last distribution recorded in the price series was 1.03 USD on 2026-08-31. As of 2026-11-05; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on Cullen/Frost Bankers Inc recently?

The most recent analyst action on Cullen/Frost Bankers Inc on the Closelooknet wire is a price target by RBC Capital on 2026-10-09 (target 175 from 176). 3 actions on the analyst wire since 2026-08-13: 3 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for CFR, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

How to use this chart

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Related in the Closelooknet universe

then Banks - Regional. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.