Cullen/Frost Bankers, Inc. (CFR)

In the past six months, Cullen/Frost Bankers' stock experienced fluctuations and analyst activities. The stock price decreased by 1.59% in the past month but increased by 24.06% over the last 12 months as of early April 2026. The company reported its fourth-quarter and full-year 2025 results on January 29, 2026, with diluted EPS of $2.56 for Q4 and $9.92 for the full year. Following these results, a $1.00 common dividend for Q1 2026 was declared, and a $300 million share repurchase program was authorized through January 27, 2027. Analyst ratings have been adjusted, with Morgan Stanley lowering its price target to $133 and Cantor Fitzgerald raising its target to $152. The consensus rating for CFR remains "Hold" with an average target price of $142.25. Insider activity included an EVP selling 1,000 shares in January 2026. Tudor Investment Corp ET AL increased its stake by 915% during the third quarter of 2025.

Demand seasonality for Cullen/Frost Bankers' products and services is primarily observed in its deposit trends, which follow seasonal patterns. The second quarter is typically a seasonally weak period for deposits; however, in the second quarter of 2025, the company reported a slight increase in average total deposits compared to the first quarter of 2025.

Cullen/Frost Bankers, Inc. is a financial holding company based in San Antonio, Texas, operating through Frost Bank. It is in the finance and insurance sector, specifically commercial banking, and is among the 50 largest U.S. banks by asset size. Frost Bank offers banking, investment, and insurance services to businesses and individuals, including commercial lending, deposit services, cash management, trade finance, residential mortgages, personal lines of credit, and home equity loans. The company also provides treasury and equipment leasing solutions, wealth management services under Frost Wealth Advisors and Frost Investment Advisors, and insurance coverage through its subsidiary.

Cullen/Frost Bankers, Inc. focuses its operations exclusively in Texas, serving regions such as Austin, Corpus Christi, Dallas, Fort Worth, the Gulf Coast, Houston, the Permian Basin, the Rio Grande Valley, and San Antonio. Since late 2018, Frost Bank has been expanding its branch network organically, adding locations in Fort Worth and communities near Austin.

Cullen/Frost Bankers, through Frost Bank, has maintained a strong brand reputation over the past year. Frost Bank ranked highest in the J.D. Power Retail Banking Satisfaction Study in Texas for the 17th consecutive year. Frost Bank became the official financial literacy partner of the Texas Rangers in April 2026. No significant negative events impacting the company's reputation were found.

Cullen/Frost Bankers, Inc. is primarily owned by institutional shareholders, who hold 86.92% of the company's stock, while insiders own 11.29%, and retail investors account for 1.79%. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, Aristotle Capital Management LLC, and State Street Corp. The largest individual shareholder is Jack A. Wood, who owns 2.10 million shares, representing 3.32% of the company.