CFR vs NTRS
Frost Bank vs Northern Trust Corporation — AI-powered side-by-side comparison
VS
NTRS
Northern Trust Corporation
59
Buy
| Metric | CFR | NTRS |
|---|
| AI Score |
69
|
59
|
| Price |
$164.41
|
$186.68
|
| P/E Ratio |
15.49×
|
15.70×
|
| ROE |
14.2%
|
13.4%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
85.8%
|
59.8%
|
| Debt / Equity |
1.17×
|
1.18×
|
| Dividend Yield |
2.5%
|
1.7%
|
| RSI (14) |
41.4
|
51.2
|
| Beta |
0.519
|
1.259
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for CFR versus NTRS.
CFR leads by 10 points.
CFR scores 69/100 (Buy) versus NTRS at 59/100 (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
NTRS Committee View
67% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 36.1% yoy. Risk Analyst remains cautious — high leverage (debt-to-equity 12.29) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 17.1% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.9% pays you to wait — Value
- EPS growing 36.1% YoY — Growth
Bear Case
- Debt-to-equity of 12.29 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 12.29) amplifies downside in a stress scenario — Risk