CullenFrost Bankers Net Income
| CFR Stock | USD 146.26 0.84 0.57% |
As of the 10th of February, CullenFrost Bankers shows the Risk Adjusted Performance of 0.1725, mean deviation of 1.02, and Downside Deviation of 0.9897. CullenFrost Bankers technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm CullenFrost Bankers downside deviation, jensen alpha, as well as the relationship between the Jensen Alpha and downside variance to decide if CullenFrost Bankers is priced correctly, providing market reflects its regular price of 146.26 per share. Given that CullenFrost Bankers has jensen alpha of 0.2, we suggest you to validate CullenFrost Bankers's prevailing market performance to make sure the company can sustain itself at a future point.
CullenFrost Bankers Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.3082 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 648.6 M | 681 M | |
| Net Income Applicable To Common Shares | 635.5 M | 322.9 M | |
| Net Income From Continuing Ops | 648.6 M | 489.6 M | |
| Net Income Per Share | 10.13 | 10.63 | |
| Net Income Per E B T | 0.84 | 0.62 |
CullenFrost | Net Income | Build AI portfolio with CullenFrost Stock |
Evaluating CullenFrost Bankers's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into CullenFrost Bankers's fundamental strength.
Latest CullenFrost Bankers' Net Income Growth Pattern
Below is the plot of the Net Income of CullenFrost Bankers over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in CullenFrost Bankers financial statement analysis. It represents the amount of money remaining after all of CullenFrost Bankers operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is CullenFrost Bankers' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in CullenFrost Bankers' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 648.56 M | 10 Years Trend |
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Net Income |
| Timeline |
CullenFrost Net Income Regression Statistics
| Arithmetic Mean | 393,607,168 | |
| Geometric Mean | 314,483,055 | |
| Coefficient Of Variation | 46.40 | |
| Mean Deviation | 150,817,119 | |
| Median | 364,149,000 | |
| Standard Deviation | 182,648,897 | |
| Sample Variance | 33360.6T | |
| Range | 670.7M | |
| R-Value | 0.95 | |
| Mean Square Error | 3192T | |
| R-Squared | 0.91 | |
| Slope | 34,509,517 | |
| Total Sum of Squares | 533769.9T |
CullenFrost Net Income History
Other Fundumenentals of CullenFrost Bankers
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
CullenFrost Bankers Net Income component correlations
CullenFrost Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for CullenFrost Bankers is extremely important. It helps to project a fair market value of CullenFrost Stock properly, considering its historical fundamentals such as Net Income. Since CullenFrost Bankers' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of CullenFrost Bankers' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of CullenFrost Bankers' interrelated accounts and indicators.
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Can Regional Banks industry sustain growth momentum? Does CullenFrost have expansion opportunities? Factors like these will boost the valuation of CullenFrost Bankers. Projected growth potential of CullenFrost fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating CullenFrost Bankers demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.085 | Dividend Share 3.95 | Earnings Share 9.92 | Revenue Per Share | Quarterly Revenue Growth 0.095 |
Investors evaluate CullenFrost Bankers using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating CullenFrost Bankers' intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause CullenFrost Bankers' market price to deviate significantly from intrinsic value.
It's important to distinguish between CullenFrost Bankers' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding CullenFrost Bankers should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, CullenFrost Bankers' market price signifies the transaction level at which participants voluntarily complete trades.
CullenFrost Bankers 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to CullenFrost Bankers' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of CullenFrost Bankers.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in CullenFrost Bankers on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding CullenFrost Bankers or generate 0.0% return on investment in CullenFrost Bankers over 90 days. CullenFrost Bankers is related to or competes with Old National, UMB Financial, Popular, Commerce Bancshares, Zions Bancorporation, Western Alliance, and Wintrust Financial. CullenFrost Bankers, Inc. operates as the bank holding company for Frost Bank that offers commercial and consumer bankin... More
CullenFrost Bankers Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure CullenFrost Bankers' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess CullenFrost Bankers upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 0.9897 | |||
| Information Ratio | 0.1386 | |||
| Maximum Drawdown | 7.64 | |||
| Value At Risk | (1.28) | |||
| Potential Upside | 3.15 |
CullenFrost Bankers Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for CullenFrost Bankers' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as CullenFrost Bankers' standard deviation. In reality, there are many statistical measures that can use CullenFrost Bankers historical prices to predict the future CullenFrost Bankers' volatility.| Risk Adjusted Performance | 0.1725 | |||
| Jensen Alpha | 0.2 | |||
| Total Risk Alpha | 0.1275 | |||
| Sortino Ratio | 0.1929 | |||
| Treynor Ratio | 0.3111 |
CullenFrost Bankers February 10, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1725 | |||
| Market Risk Adjusted Performance | 0.3211 | |||
| Mean Deviation | 1.02 | |||
| Semi Deviation | 0.686 | |||
| Downside Deviation | 0.9897 | |||
| Coefficient Of Variation | 476.38 | |||
| Standard Deviation | 1.38 | |||
| Variance | 1.9 | |||
| Information Ratio | 0.1386 | |||
| Jensen Alpha | 0.2 | |||
| Total Risk Alpha | 0.1275 | |||
| Sortino Ratio | 0.1929 | |||
| Treynor Ratio | 0.3111 | |||
| Maximum Drawdown | 7.64 | |||
| Value At Risk | (1.28) | |||
| Potential Upside | 3.15 | |||
| Downside Variance | 0.9795 | |||
| Semi Variance | 0.4707 | |||
| Expected Short fall | (1.28) | |||
| Skewness | 0.799 | |||
| Kurtosis | 1.58 |
CullenFrost Bankers Backtested Returns
CullenFrost Bankers appears to be very steady, given 3 months investment horizon. CullenFrost Bankers secures Sharpe Ratio (or Efficiency) of 0.21, which signifies that the company had a 0.21 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for CullenFrost Bankers, which you can use to evaluate the volatility of the firm. Please makes use of CullenFrost Bankers' Risk Adjusted Performance of 0.1725, mean deviation of 1.02, and Downside Deviation of 0.9897 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, CullenFrost Bankers holds a performance score of 16. The firm shows a Beta (market volatility) of 0.9, which signifies possible diversification benefits within a given portfolio. CullenFrost Bankers returns are very sensitive to returns on the market. As the market goes up or down, CullenFrost Bankers is expected to follow. Please check CullenFrost Bankers' downside variance, and the relationship between the sortino ratio and accumulation distribution , to make a quick decision on whether CullenFrost Bankers' price patterns will revert.
Auto-correlation | 0.67 |
Good predictability
CullenFrost Bankers has good predictability. Overlapping area represents the amount of predictability between CullenFrost Bankers time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of CullenFrost Bankers price movement. The serial correlation of 0.67 indicates that around 67.0% of current CullenFrost Bankers price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.67 | |
| Spearman Rank Test | 0.67 | |
| Residual Average | 0.0 | |
| Price Variance | 26.97 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
CullenFrost Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, CullenFrost Bankers reported net income of 648.56 M. This is 49.23% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 13.59% lower than that of the firm.
CullenFrost Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses CullenFrost Bankers' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of CullenFrost Bankers could also be used in its relative valuation, which is a method of valuing CullenFrost Bankers by comparing valuation metrics of similar companies.CullenFrost Bankers is currently under evaluation in net income category among its peers.
CullenFrost Bankers ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, CullenFrost Bankers' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to CullenFrost Bankers' managers, analysts, and investors.Environmental | Governance | Social |
CullenFrost Bankers Institutional Holders
Institutional Holdings refers to the ownership stake in CullenFrost Bankers that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of CullenFrost Bankers' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing CullenFrost Bankers' value.| Shares | Hhg Plc | 2025-06-30 | 1.1 M | Bank Of America Corp | 2025-06-30 | 1 M | Northern Trust Corp | 2025-06-30 | 944 K | Impax Asset Management Group Plc | 2025-06-30 | 822.9 K | Vaughan Nelson Scarbrgh & Mccullough Lp | 2025-06-30 | 806.8 K | Principal Financial Group Inc | 2025-06-30 | 773.9 K | Jpmorgan Chase & Co | 2025-06-30 | 757.4 K | Manufacturers Life Insurance Co | 2025-06-30 | 743 K | Goldman Sachs Group Inc | 2025-06-30 | 709.7 K | Vanguard Group Inc | 2025-06-30 | 6.5 M | Blackrock Inc | 2025-06-30 | 6 M |
CullenFrost Fundamentals
| Return On Equity | 0.15 | ||||
| Return On Asset | 0.0123 | ||||
| Profit Margin | 0.30 % | ||||
| Operating Margin | 0.35 % | ||||
| Current Valuation | 5.58 B | ||||
| Shares Outstanding | 63.2 M | ||||
| Shares Owned By Insiders | 6.59 % | ||||
| Shares Owned By Institutions | 92.90 % | ||||
| Number Of Shares Shorted | 2.03 M | ||||
| Price To Earning | 24.08 X | ||||
| Price To Book | 2.09 X | ||||
| Price To Sales | 4.28 X | ||||
| Revenue | 2.24 B | ||||
| Gross Profit | 2.19 B | ||||
| EBITDA | 771.7 M | ||||
| Net Income | 648.56 M | ||||
| Cash And Equivalents | 13.87 B | ||||
| Cash Per Share | 215.71 X | ||||
| Total Debt | 48.47 B | ||||
| Debt To Equity | 8.88 % | ||||
| Book Value Per Share | 69.96 X | ||||
| Cash Flow From Operations | 273.98 M | ||||
| Short Ratio | 4.43 X | ||||
| Earnings Per Share | 9.92 X | ||||
| Price To Earnings To Growth | 2.61 X | ||||
| Target Price | 144.2 | ||||
| Number Of Employees | 6.01 K | ||||
| Beta | 0.62 | ||||
| Market Capitalization | 9.38 B | ||||
| Total Asset | 53.04 B | ||||
| Retained Earnings | 4.31 B | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.78 % | ||||
| Net Asset | 53.04 B | ||||
| Last Dividend Paid | 3.95 |
About CullenFrost Bankers Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze CullenFrost Bankers's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of CullenFrost Bankers using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of CullenFrost Bankers based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with CullenFrost Bankers
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if CullenFrost Bankers position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in CullenFrost Bankers will appreciate offsetting losses from the drop in the long position's value.Moving together with CullenFrost Stock
| 0.85 | BIRG | Bank of Ireland | PairCorr |
| 0.97 | AX | Axos Financial | PairCorr |
| 0.86 | FFIN | First Financial Bank | PairCorr |
Moving against CullenFrost Stock
The ability to find closely correlated positions to CullenFrost Bankers could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace CullenFrost Bankers when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back CullenFrost Bankers - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling CullenFrost Bankers to buy it.
The correlation of CullenFrost Bankers is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as CullenFrost Bankers moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if CullenFrost Bankers moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for CullenFrost Bankers can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Additional Tools for CullenFrost Stock Analysis
When running CullenFrost Bankers' price analysis, check to measure CullenFrost Bankers' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CullenFrost Bankers is operating at the current time. Most of CullenFrost Bankers' value examination focuses on studying past and present price action to predict the probability of CullenFrost Bankers' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CullenFrost Bankers' price. Additionally, you may evaluate how the addition of CullenFrost Bankers to your portfolios can decrease your overall portfolio volatility.