Frost Bank (CFR)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$162.62-0.07%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CFR
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks CFR against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 100% of the last 2 guided quarters · 3.4% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow loans and deposits steadily across Texas markets with focus on balanced growth between consumer and commercial segments.
Stated as a priority in 3 of last 3 quarters. Average loans grew from $21.1B in 2025-Q2 to $22.6B in 2026-Q2 (7.4% growth), and average deposits grew from $41.8B to $42.6B (2.1% growth). Management has consistently emphasized balanced growth in loans and deposits, and the financials show delivering on this priority.
“The second quarter was a period of sustained, solid and balanced growth for our company.”
“We had a solid start to the year, with average loan growth of just under six percent and continued steady growth in deposits.”
“Board congratulated on organic expansion and growth initiatives.”
Focus on growing diluted earnings per share through operational performance and revenue growth.
EPS growth has been stated as a priority in 3 of last 3 quarters. Diluted EPS increased from $2.39 in 2025-Q2 to $2.70 in 2026-Q2, a 13% increase year-over-year. Management's statements and financial results show delivering on EPS growth consistently.
Ensure capital ratios such as Common Equity Tier 1 and Total Risk-Based Capital remain well above regulatory minimums to support growth and stability.
Management has stated maintaining strong capital ratios in 3 of last 3 quarters. The Common Equity Tier 1 ratio was 13.95% in 2026-Q2, well above Basel III minimums. Capital levels have remained stable and strong, matching management's stated priority.
Maintain strong credit quality through conservative underwriting and risk management to minimize charge-offs and non-performing assets.
Credit quality management has been stated in 3 of last 3 quarters. Credit loss expense was $9.8M in 2026-Q2 with allowance for credit losses at 1.23% of loans, showing prudent risk controls. The trend is stable and consistent with management's stated priority.
Continue repurchasing shares under the current $300 million board-authorized stock repurchase plan to return capital to shareholders.
Share repurchase under board authorization has been stated in 2 of last 3 quarters. The company repurchased 507,753 shares for $70M in 2026-Q1 and 654,955 shares for $90M in 2026-Q2. Management is delivering on the repurchase program as authorized.
“Repurchased 654,955 shares at a total cost of $90 million under board-authorized plan.”
Over the trailing year it converted 0.62x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
7 material management or governance events in the past 24 months, led by legal/regulatory items. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Second quarter earnings per share increased by 13% compared to the same period last year.”
“Net income available to common shareholders for the first quarter of 2026 was $2.65 per diluted common share.”
“Diluted EPS available to common shareholders for the first nine months of 2025 was $7.36 compared to $6.51 in the year-earlier period.”
“Capital ratios continue to be in excess of well-capitalized levels and exceed Basel III minimum requirements.”
“Capital ratios at the end of the first quarter of 2026 were 14.07% CET1, 14.51% Tier 1, and 15.89% Total Risk-Based Capital.”
“Capital ratios remain strong and well above regulatory minimums.”
“Credit loss expense of $9.8 million and allowance for credit losses at 1.23% of total loans.”
“Credit loss expense of $6.7 million and allowance for credit losses at 1.28% of total loans.”
“Prudent risk management and conservative underwriting continue to support credit quality.”
“Repurchased 507,753 shares at a total cost of $70 million under board-authorized plan.”