CFR vs MSCI
Frost Bank vs MSCI Inc. — AI-powered side-by-side comparison
| Metric | CFR | MSCI |
|---|
| AI Score |
69
|
56
|
| Price |
$162.51
|
$566.11
|
| P/E Ratio |
15.49×
|
31.43×
|
| ROE |
14.2%
|
-45.3%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
85.8%
|
83.0%
|
| Debt / Equity |
1.17×
|
-2.43×
|
| Dividend Yield |
2.5%
|
1.4%
|
| RSI (14) |
41.4
|
53.6
|
| Beta |
0.519
|
1.222
|
| Expected Upside |
—
|
+1.0%
|
AI Committee View
Current Innellis committee reasoning for CFR versus MSCI.
CFR leads by 13 points.
CFR scores 69/100 (Buy) versus MSCI at 56/100 (Buy).
CFR Committee View
83% agreement
6 analysts
The primary driver is revenue growing 75.9% yoy -- genuine top-line momentum. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull Case
- ROE of 15.0% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.7% pays you to wait — Value
- Revenue growing 75.9% YoY -- genuine top-line momentum — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Price structure (LH_LL) contradicts the uptrend -- mixed signals — Technical
MSCI Committee View
50% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — quarter-over-quarter growth rate is accelerating, not just positive. Risk Analyst remains cautious — high leverage (debt-to-equity 5.18) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 108.7% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- P/E of 29.9 is moderate-to-rich — Value
- Price-to-book of 28.7x prices in significant intangible value — Value
- Debt-to-equity of 5.18 adds balance-sheet risk to the value case — Value