Key Drivers
- High margins
- Low cash conversion
- Large investment base
AIAI Summary
View Cullen/Frost not as a slow-growth dividend bank but as a geographically concentrated, operationally expanding franchise where EPS upside now depends on accretive branch/deposit growth plus disciplined buybacks rather than one-off fixes. Key action: watch NII/NIM beats and strict expense glide‑path alongside improving CRE workout trends—if NII holds and CRE resolutions stay orderly, buybacks will meaningfully lift EPS; if not, CRE losses or deposit beta pressure can quickly unwind the thesis.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •High margins
- •Low cash conversion
- •Large investment base
Carlyle combines strong margins and ample liquid investments with moderate leverage but suffers from weak cash conversion and very low asset turnover, creating an attractively priced yet operationally cash-risked investment.
Price Behavior
Key Price Behavior Insights:
- •Below SMA
- •Deeply oversold
- •Near support
Price is in a short-term downtrend trading below its last-month 21-day SMA (~$136) but deeply oversold (RSI ~22) near support, so a tactical mean-reversion bounce is plausible unless it decisively breaks below support.
Sharp drop from $144.43 to $132.25 over last month
Sentiment & News
Key News Insights:
- •Peer comparisons
- •Mixed price action
- •Dividend/earnings focus
Analysts repeatedly pit Cullen/Frost against regional peers, focusing on relative valuation, dividend/growth appeal, mixed price action and selective institutional buying.
Ongoing analyst scrutiny and selective institutional buying should keep CFR in investor focus, likely sustaining near-term volatility while underpinning longer-term value/dividend interest if earnings revisions hold
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