CFR · NASDAQ · STOCK
Frost Bank
$164.81
52W $119.00 – $170.29
68/100
$10.22B
15.5
0.52
Is CFR Bullish or Bearish?
Bullish.
Innellis AI committee rates Frost Bank (CFR) Buy with a composite score of 68/100
, based on 4 analysts with 75% agreement.
Last updated August 09, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +7.25 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 — -12.75 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 5 consecutive earnings beats -- consistent execution. 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
- 5 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.20 across 29 articles, 14d) — News
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Price structure (LH_LL) contradicts the uptrend -- mixed signals — Technical
- Weekly RSI at 76 -- overbought on the larger timeframe too — 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 August 09, 2026
Overall Committee Score
68/100
Agreement
75%
Analysts
4
Conviction
High
Sector Rank
Top 28%
of 142 Financial Services peers
Growth Analyst
bullish
80
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
neutral
57
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 29 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 69.1 to 67.8.
- Committee agreement fell modestly from 80% to 75%.
- Bullish support removed: 5 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Analyst(s) abstained: Value Analyst.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Value Analyst abstained (was bullish at 70).
Comparing 2026-08-08 to 2026-08-09 (1 day apart).
Technical Analysis
RSI (14)
50.0
Neutral
MACD Histogram
-0.538
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Lh Ll
Bollinger %B
0.57
Inside Bands
Price vs Moving Averages
EMA 9
$165.36
Below
EMA 21
$162.78
Above
EMA 50
$156.16
Above
EMA 200
$142.56
Above
Fundamental Analysis
Valuation
94
Growth
75
Profitability
71
Financial Health
33
Cash Flow
70
Valuation
P/E Ratio
15.5×
P/B Ratio
2.23×
PEG Ratio
1.10
Dividend Yield
2.45%
52W High
$170.29
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 15.5 (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 (13.45); 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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