CFR · NYSE · STOCK
Frost Bank (CFR) Stock Analysis
$156.02
52W $119.00 – $170.80
69/100
$9.87B
15.0
0.51
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is CFR Bullish or Bearish?
Bullish.
Innellis AI committee rates Frost Bank (CFR) Buy with a composite score of 69/100
, based on 6 analysts with 83% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +5.86 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -14.14 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
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 & Bear Case
Bull Case
- P/E of 14.5 is inexpensive for the broad market — Value
- 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
- 5 consecutive earnings beats -- consistent execution — Growth
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
69/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 14%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.5 is inexpensive for the broad market
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 75.9% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
70
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 5 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 66.5 to 69.1.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
30.1
Neutral
MACD Histogram
-0.439
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$132.91
Resistance
$160.51
Bollinger %B
0.05
Inside Bands
Price vs Moving Averages
EMA 9
$160.71
Below
EMA 21
$161.86
Below
EMA 50
$160.71
Below
EMA 200
$147.92
Above
Fundamental Analysis
Valuation
96
Growth
75
Profitability
71
Financial Health
33
Cash Flow
70
Valuation
P/E Ratio
15.0×
P/B Ratio
2.16×
PEG Ratio
1.06
Dividend Yield
2.56%
52W High
$170.80
52W Low
$119.00
Quality & Growth
ROE
1418.2%
ROA
122.3%
Gross Margin
8581.9%
Operating Margin
3075.5%
Revenue Growth YoY
—
Debt / Equity
1.17
AI Fundamental Assessment
P/E ratio of 15.0 (inexpensive relative to a 15-40x range); Price-to-book of 2.2x; PEG ratio of 1.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 14.2%; Return on assets of 1.2%; Net margin of 25.9%; Gross margin of 85.8%; Current ratio of 0.19 (tight short-term liquidity); Debt-to-equity of 1.17; Free cash flow per share is positive (10.28); Most recent quarter beat estimates by 4.9%; 5 consecutive earnings beats; EPS growth roughly steady (+3.5% -> +1.9% QoQ); Average YoY EPS growth of 13.0%; Analyst estimates rising over recent quarters
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