CFR Cullen/Frost Bankers Inc.
XNYS
158.96
Delayed
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
CFR
$158.96
—
What changed
Recent filings, trades and movesKey stats
$158.96
- 52-Week Range
- $119.14 – $170.80
- YTD
- +24.02%
- IV Rank (30D)
- 31.65
- Straddle Price
- $9.43
- P/C Vol Ratio
- 2.91
- Market Cap
- $9.7B
- Open
- $157.20
- Day Range
- $156.65 – $159.62
- Volume
- 153,449
- Prev Close
- $155.23
Fair Value
MODEL: SHORT
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 4.90% |
| Beta vs SPY | 0.79 |
| Cost of Equity (CAPM) | 8.87% (VRP-adj) |
| WACC | 8.87% |
| Volatility Risk Premium | +20.7pp (IV − HV30) |
| Effective Tax Rate | 15.9% |
| Rev. Growth (YoY, DCF input) | -0.7% |
| DCF Horizon | 12 years explicit + fade |
| Free Cash Flow (TTM) | $0.5B |
| Return on Equity (TTM) | 14.6% |
| Book / Price | 46.3% — banking bias active (P/B is primary) |
| Bank Quality Adj | ×1.29 (target ROE vs peer median) |
| Gross Margin (TTM) | 77.6% |
| FCF Margin (TTM) | 18.6% |
| Debt / Equity | 0.05 |
| Quality Score | 4/6 — high quality (12y DCF) |
| Market-Implied Growth | +3.6% (reverse-DCF on current price) |
| SMA 50 | $157.22 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $156.16 |
| Bollinger Width / SMA20 | 6.6% (drives anchor stability) |
| Net Debt | $-0.4B |
| Market Cap | $10B |
Peers used for multiples: BPOP, CFG, CTRE, JPM, ONB, PNC, USB
(filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
31%
20-Day Fair Value
≈ by Dec 8, 2026
$158.27
α -0.5%
rank 10%
conviction
39%
40-Day Fair Value
≈ by Jan 6, 2027
$159.79
α +0.4%
rank 10%
conviction
17%
60-Day Fair Value
≈ by Feb 4, 2027
$157.38
α -1.1%
rank 10%
conviction
31%
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $119.35 | 21% | |
| DDM (Gordon) | $52.90 | 17% | |
| Peer P/E | $163.63 | 6% | median 12.4× · 7 peers |
| Peer EV/EBITDA | n/a | 0% | median 15.1× · 7 peers |
| Peer P/B | $101.24 | 10% | median 1.4× · 7 peers |
| Peer P/S | $137.81 | 3% | median 2.3× · 7 peers |
| Market Anchor (SMA50) | $157.22 | 43% | stability 100% (BB-width) |
| Options Expected (B-L 30d) | $159.69 | 0% | 9 strikes · skew +3.13 |
As of 2026-11-09 · updated
Related
About
- Industry (SIC)
- NATIONAL COMMERCIAL BANKS (6021) · industry map
- Exchange
- XNYS
- Market Cap
- $9.7B
- Employees
- 6,008
- List Date
- 1977-07-08
- CIK
- 0000039263
- Last Earnings
- Oct 29 before open · +0.5% vs ±6.0% expected
- Next Earnings
- ~Jan 28, 2027 (estimated)
- Headquarters
- San Antonio, TX
- Homepage
- https://www.frostbank.com
Cullen/Frost is a regional US bank with around $54 billion in assets (as of June 2026), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based banking approach that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through targeted branch openings rather than acquisitions. The bank's sweet spot is small to medium-sized Texas-based commercial clients.
Summary
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composite
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No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | 5.28% | 9.36% | 0.03% | -2.59% | 5.00% | 7.53% | 4.10% |
| Feb | 12.52% | -1.03% | 2.00% | 4.84% | 0.85% | -0.60% | 3.10% |
| Mar | 1.17% | 3.17% | -20.80% | 4.67% | -7.20% | -2.23% | -3.54% |
| Apr | 9.06% | -5.18% | 5.09% | -6.81% | -5.84% | 4.53% | 0.14% |
| May | -0.76% | -5.22% | -6.53% | -3.52% | 5.52% | -3.45% | -2.33% |
| Jun | -8.26% | -6.43% | 5.18% | 1.55% | 1.86% | 16.36% | 1.71% |
| Jul | -4.71% | 10.29% | -1.41% | 16.20% | -3.85% | 6.27% | 3.80% |
| Aug | 6.62% | -0.82% | -12.19% | -0.36% | 3.89% | -4.78% | -1.27% |
| Sep | 4.46% | 0.72% | -4.73% | -0.56% | -2.13% | -3.57% | -0.97% |
| Oct | 6.02% | 14.40% | 1.59% | 17.94% | -2.10% | 2.68% | 6.75% |
| Nov | -6.97% | -7.32% | 9.41% | 11.62% | 1.48% | -0.78%* | 1.24% |
| Dec | 2.02% | -5.26% | 6.21% | -4.18% | 1.56% | -- | 0.07% |
| Total | 27.08% | 3.92% | -18.71% | 41.74% | -1.90% | 22.00% | 12.35% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $156.52
SMA 50: $157.17
SMA 200: $149.40
Current: $158.94
EMA 12: $157.49
EMA 26: $156.95
MACD: 0.5427 | Signal: 0.2019
BULLISH
ADX (14): 22.08
WEAK TREND
+DI: 23.14
−DI: 14.87
Momentum Oscillators
RSI (14): 54.94
NEUTRAL
Stoch %K: 36.78
Stoch %D: 46.03
Williams %R: -49.21
Volume & Volatility
BB Upper: $161.38
BB Lower: $151.66
NEUTRAL
OBV: 2,421,689
Vol SMA 20: 450,783
Vol ROC: -74.77%
ATR: $3.59
True Range: $4.39
HV 20: 17.9%
HV 30: 18.2%
HV 60: 16.5%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-11-08T00:00:00 – 2026-11-06T00:00:00
AI Analysis
Written before CFR’s Oct 29 earnings report, so it doesn’t reflect the results.
LLM Stock Analysis Report
Executive Summary Overall assessment: NEUTRAL (6/10) Key drivers: Organic growth, cost management Primary risks: Cost pressure, interest rate changes Investment thesis: Cullen/Frost's (CFR) focus on organic growth and cost management has driven its stock price higher. While there are some risks to consider, the company's fundamentals remain solid. Recent news sentiment impact: Neutral overall, with no significant market-moving headlines in the past 10 articles.
Technical Analysis Trend Direction:
- Short-term (1-4 weeks): Uptrend
- Medium-term (1-3 months): Uptrend
- Long-term (3-12 months): Uptrend
Support/Resistance Levels:
- SMA 20: $151.78 (support)
- SMA 50: $143.82 (support)
- Upper Bollinger Band: $160.31 (resistance)
Momentum Signals:
- RSI interpretation: Neutral (66.29), not overbought or oversold
- MACD signal: Bullish (3.83 / Signal: 0.03 / Histogram: 3.81)
- Bollinger Bands position: Neutral (price touching middle band)
Volume Analysis:
- Volume SMA 20: 643202.80 (stable volume)
- On-Balance Volume (OBV): 7257650.71 (rising OBV indicates accumulation)
- Volume Rate of Change: -33.93% (decreasing volume suggests waning interest)
News & Sentiment Analysis Recent Headlines Summary: The past 10 news articles are neutral, with no significant market-moving headlines.
Sentiment Assessment: Neutral overall sentiment
Catalyst Identification: No immediate or near-term catalysts identified
Market Narrative: The technical analysis and recent news sentiment indicate a stable, uptrending stock price. The absence of significant news headlines suggests that the current trend is driven by fundamentals rather than market speculation.
Risk & Volatility Assessment Beta Interpretation: Low risk relative to market (beta = 0.50)
Volatility Regime: Current volatility is low compared to historical levels
Options Market Signals: IV Rank: 10.6% (low - shows if volatility is historically high/low) Current IV: 46.2% Expected Move: $11.45 (42 DTE), 7-DTE: $3.83 Volume Flow: 6 calls vs 2 puts (bullish sentiment)
Downside Protection: Support levels include SMA 20 ($151.78) and lower Bollinger Band ($143.26). Risk management considerations suggest a stop-loss level around $145.
Market Context & Positioning Sector Performance: CFR is outperforming its sector peers
Institutional Activity: Volume patterns suggest institutional interest in the stock
Correlation Analysis: The stock moves relatively independently of market trends (R-squared interpretation)
Relative Valuation: Position within trading range, with some upside potential
Key Levels & Action Items Critical Price Levels:
- SMA 20: $151.78
- Lower Bollinger Band: $143.26
- Upper Bollinger Band: $160.31
Breakout/Breakdown Levels:
- Breakout above SMA 50: $143.82 (potential upside)
- Breakdown below SMA 200: $135.54 (potential downside)
Time-Sensitive Catalysts: No immediate or near-term catalysts identified
Risk Management: Stop-loss level around $145, with some consideration for a trailing stop based on volatility.
Conclusion CFR's technical analysis suggests a stable uptrend, supported by positive news sentiment and fundamentals. The options market signals indicate low volatility and bullish sentiment. While there are some risks to consider, the company's focus on organic growth and cost management provides a solid foundation for continued performance.
Generated
News
All CFR news →
Record loan pipelines and 80% win rate on market disruption opportunities drive Texas growth.
Earnings History
21 of 23 under expected move
Avg Expected Move
6.58%
Avg Actual Move
3.31%
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2021-01-28 | Pre-Market | 9.42% | 4.09% | 0.43x | Within |
| 2021-07-29 | Pre-Market | 4.03% | 1.22% | 0.30x | Within |
| 2021-10-28 | Pre-Market | 5.56% | 2.96% | 0.53x | Within |
| 2022-01-27 | Pre-Market | 4.29% | 3.99% | 0.93x | Within |
| 2022-04-28 | Pre-Market | 5.91% | 2.73% | 0.46x | Within |
| 2022-07-28 | Pre-Market | 6.43% | 0.35% | 0.05x | Within |
| 2022-10-27 | Pre-Market | 7.54% | 4.40% | 0.58x | Within |
| 2023-01-26 | Pre-Market | 5.40% | 2.83% | 0.52x | Within |
| 2023-04-27 | Pre-Market | 8.66% | 6.57% | 0.76x | Within |
| 2023-07-27 | Pre-Market | 7.61% | 7.56% | 0.99x | Within |
| 2023-10-26 | Pre-Market | 9.62% | 10.08% | 1.05x | Exceeded |
| 2024-01-25 | Pre-Market | 6.76% | 0.51% | 0.08x | Within |
| 2024-04-25 | Pre-Market | 6.19% | 5.23% | 0.84x | Within |
| 2024-07-25 | Pre-Market | 6.85% | 3.39% | 0.49x | Within |
| 2024-10-31 | Pre-Market | 7.40% | 2.39% | 0.32x | Within |
| 2025-01-30 | Pre-Market | 6.72% | 1.25% | 0.19x | Within |
| 2025-05-01 | Pre-Market | 6.27% | 3.32% | 0.53x | Within |
| 2025-07-31 | Pre-Market | 4.79% | 4.95% | 1.03x | Exceeded |
| 2025-10-30 | Pre-Market | 7.70% | 1.67% | 0.22x | Within |
| 2026-01-29 | Pre-Market | 6.08% | 2.65% | 0.44x | Within |
| 2026-04-30 | Pre-Market | 5.95% | 1.49% | 0.25x | Within |
| 2026-07-30 | Pre-Market | 6.08% | 2.06% | 0.34x | Within |
| 2026-10-29 | Pre-Market | 5.97% | 0.53% | 0.09x | Within |
Earnings calendar: this week’s reports with expected vs actual moves →
CFR Options Activity & IV Rank
CFR IV rank history, 52-week IV rank and IV percentile →
Volatility Metrics
Current IV: 22.5%
7-DTE IV: 21.8%
Expected Move: $9.43
7-DTE Move: $4.88
Days to Exp: 39 (2026-12-18)
Options Flow · All expiries
Call Volume: 131
Put Volume: 381
P/C Volume: 2.908
BEARISH
Call OI: 1,196
Put OI: 846
P/C OI: 0.707
Total OI: 2,042
ATM Options Pricing
ATM Call: $3.73
ATM Put: $5.70
Call %: 2.3%
Put %: 3.6%
Chain Summary
Chain Volume: 512
Chain OI: 2,042
Last Updated: 11/9/2026
Spread Scanner
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Scanning bull put, bear call, iron condor and calendar spreads…
Dealer Positioning
TYPICAL γ
Estimated net dealer gamma is at the 34th percentile of this name's own daily history, within its typical range. This describes current positioning; it is not a forecast or a trading signal.
Gamma percentile
34%
vs own history
GEX tilt
+0.10
OI-weighted, today
Vanna tilt
+0.91
δ-sensitivity to IV
Charm tilt
-0.85
δ-decay vs time
Vanna tilt +0.91: the estimated dealer exposure leans positive, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.85: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.
? What is this?
· 19 ATM contracts, 1k total OI
Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.
Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.
Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.
This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
—
—
pts
EXTREME
No data
30 DTE / 10d
—
—
pts
EXTREME
No data
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Loading the implied volatility surface…
Volatility Smile
Loading the implied volatility smile…
IV Rank (7 DTE)18.1LowNov 9
IV Rank (30 DTE)31.6MediumNov 9
Straddle Price (30 DTE)$9.43Nov 9
Beta Analysis
Risk Metrics
Beta: 0.2978
Alpha: 21.82%
Correlation: 0.2081
R-Squared: 4.3%
Stock Volatility: 19.7%
Market Volatility: 13.7%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Low volatility - stock moves less than market
Beta & Alpha Over Time
CFR Institutional Ownership (13F)
Filings for 2026-06-30 · 279 already for 2026-09-30
? 13F Guide
Diluted shares outstanding: 63,918,256 (as of 2026-03-31)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
4 filers$18.41M notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Jane Street Group, LLC Custodian | $10.51M | 57.06% | 2026-06-30 |
| 2 | Susquehanna International Group, LLP Custodian | $6.15M | 33.40% | 2026-06-30 |
| 3 | IMC-Chicago, LLC Custodian | $1.69M | 9.20% | 2026-09-30 |
| 4 | Simplex Trading, LLC Custodian | $61.07K | 0.33% | 2026-09-30 |
3 filers$1.70M notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Susquehanna International Group, LLP Custodian | $1.00M | 59.22% | 2026-06-30 |
| 2 | Citadel Advisors LLC Custodian | $386.30K | 22.78% | 2026-06-30 |
| 3 | IMC-Chicago, LLC Custodian | $305.34K | 18.00% | 2026-09-30 |
CFR Insider Trading (Form 4)
Latest: 2026-11-05Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-11-05 | Phillip D Green | Chairman and CEO | Gift (G) | −2,200 | — | EDGAR | |
| 2026-11-03 | Matthew Bradley Henson | Chief Accounting Officer | Sell (S) | −534 | $159.72 | -$85.3K | EDGAR |
| 2026-11-02 | Bobby Berman | GEVP Research & Strategy | Sell (S) | −2,406 | $157.10 | -$378.0K | EDGAR |
| 2026-10-29 | Ericka Lynn Pullin | GEVP, Culture & People Dev. | Grant (A) | +1,666 RSU | — | EDGAR | |
| 2026-10-29 | Annette M Alonzo | GEVP Chief HR Officer | Grant (A) | +3,451 RSU | — | EDGAR | |
| 2026-10-29 | Coolidge E Rhodes JR | Group EVP General Counsel/Sec | Grant (A) | +3,522 RSU | — | EDGAR | |
| 2026-10-29 | Howard L. Kasanoff | GEVP Chief Credit Officer | Grant (A) | +2,261 RSU | — | EDGAR | |
| 2026-10-29 | Bobby Berman | GEVP Research & Strategy | Grant (A) | +2,665 RSU | — | EDGAR | |
| 2026-10-29 | Carol Jean Severyn | GEVP and Chief Risk Officer | Grant (A) | +3,570 RSU | — | EDGAR | |
| 2026-10-29 | Dan Geddes | GEVP & Chief Financial Officer | Grant (A) | +4,284 RSU | — | EDGAR | |
| 2026-10-29 | Phillip D Green | Chairman and CEO | Grant (A) | +19,752 RSU | — | EDGAR | |
| 2026-10-29 | Paul Bracher | President of CFR | Grant (A) | +4,688 RSU | — | EDGAR | |
| 2026-10-29 | Matthew Bradley Henson | Chief Accounting Officer | Grant (A) | +635 RSU | — | EDGAR | |
| 2026-10-29 | Jimmy Stead | GEVP Chief Consumer Banking | Grant (A) | +4,450 RSU | — | EDGAR | |
| 2026-10-29 | Kenneth L. Wilson | GEVP Chief Wealth Officer | Grant (A) | +2,689 RSU | — | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
CFR Insider Holdings
22 insiders · @ $158.94
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Paul Bracher | President of CFR | 166,547 | $26.47M | -$12.31M | 57 | 2026-10-29 |
| 2 | Phillip D Green | Chairman and CEO | 159,701 | $25.38M | -$29.81M | 75 | 2026-11-05 |
| 3 | Crawford H Edwards | Director | 127,349 | $20.24M | -$2.91M | 35 | 2026-05-27 |
| 4 | Jerry Salinas | GEVP and CFO | 63,601 | $10.11M | -$11.95M | 30 | 2024-12-06 |
| 5 | Bobby Berman | GEVP Research & Strategy | 48,457 | $7.70M | -$14.29M | 69 | 2026-11-02 |
| 6 | Candace K Wolfshohl | GEVP Culture/PeopleDevelopment | 42,145 | $6.70M | -$3.45M | 29 | 2025-02-07 |
| 7 | Annette M Alonzo | GEVP Chief HR Officer | 38,782 | $6.16M | -$4.00M | 32 | 2026-10-29 |
| 8 | Chris Avery | Director | 27,000 | $4.29M | $3.67M | 18 | 2025-05-01 |
| 9 | Carol Jean Severyn | GEVP and Chief Risk Officer | 25,785 | $4.10M | -$1.77M | 26 | 2026-10-29 |
| 10 | Jimmy Stead | GEVP Chief Consumer Banking | 25,201 | $4.01M | -$908.7K | 26 | 2026-10-29 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
CFR Board & Officers
As of SEC filings through Nov 5, 2026Directors 14
- Crawford H Edwards · on file since Apr 2006
- David J Haemisegger · since Oct 23, 2008
- Charles W Matthews · since Jul 29, 2010
- Phillip D Green · listed since Jul 2016
- Samuel G. Dawson · since Jan 18, 2017
- Cynthia Jane Comparin · since Jul 25, 2018
- Anthony R Chase · since Apr 29, 2020
- Linda B. Rutherford · since Apr 27, 2022
- Joseph A. Pierce · since Oct 26, 2022
- Howard Willome John · since Jan 25, 2023
- Esperanza Andrade · since Jan 24, 2024
- John T Engates · since Apr 30, 2025
- Jeffrey M. Rummel · since Jan 28, 2026
- Marsha McCombs Shields · since Jan 28, 2026
Officers 12
- Phillip D Green · Chairman and CEO · listed since Jul 2016
- Paul Bracher · President of CFR · listed since Oct 2022
- Dan Geddes · GEVP & Chief Financial Officer · since Jan 1, 2025
- Carol Jean Severyn · GEVP and Chief Risk Officer · since Jan 30, 2019
- Annette M Alonzo · GEVP Chief HR Officer · listed since Oct 2022
- Jimmy Stead · GEVP Chief Consumer Banking · listed since Oct 2022
- Howard L. Kasanoff · GEVP Chief Credit Officer · since Jan 1, 2023
- Kenneth L. Wilson · GEVP Chief Wealth Officer · since Jan 1, 2024
- Matthew Bradley Henson · Chief Accounting Officer · since Jan 1, 2025
- Coolidge E Rhodes JR · Group EVP General Counsel/Sec · since Sep 7, 2021
- Bobby Berman · GEVP Research & Strategy · listed since Oct 2022
- Ericka Lynn Pullin · GEVP, Culture & People Dev. · since Apr 30, 2025
Changes in the last 10 years (35)
| Jan 28, 2026 | Marsha McCombs Shields became a director |
| Jan 28, 2026 | Jeffrey M. Rummel became a director |
| Jan 27, 2026 | The company announced the departure of Chris Avery from the board in an SEC filing |
| Apr 30, 2025 | John T Engates became a director |
| Apr 30, 2025 | Ericka Lynn Pullin became GEVP, Culture & People Dev. |
| Jan 1, 2025 | Matthew Bradley Henson became Chief Accounting Officer |
| Jan 1, 2025 | Dan Geddes became GEVP & Chief Financial Officer |
| Jan 24, 2024 | Esperanza Andrade became a director |
| Jan 1, 2024 | Kenneth L. Wilson became GEVP Chief Wealth Officer |
| Jan 25, 2023 | Howard Willome John became a director |
| Jan 1, 2023 | Howard L. Kasanoff became GEVP Chief Credit Officer |
| Oct 26, 2022 | Joseph A. Pierce became a director |
| Oct 25, 2022 | Paul Bracher listed as President of CFR (previously President of CFBI) in SEC filings |
| Oct 25, 2022 | Jimmy Stead listed as GEVP Chief Consumer Banking (previously Group Executive Vice President) in SEC filings |
| Oct 25, 2022 | Candace K Wolfshohl listed as GEVP Culture/PeopleDevelopment (previously Group Executive Vice President) in SEC filings |
| Oct 25, 2022 | Bobby Berman listed as GEVP Research & Strategy (previously Group Executive Vice President) in SEC filings |
| Oct 25, 2022 | Annette M Alonzo listed as GEVP Chief HR Officer (previously Group Executive Vice President) in SEC filings |
| Apr 29, 2022 | Karen E Jennings reported in an SEC filing no longer being a director |
| Apr 29, 2022 | Ida Clement Steen reported in an SEC filing no longer being a director |
| Apr 27, 2022 | Linda B. Rutherford became a director |
| Sep 7, 2021 | Coolidge E Rhodes JR became Group EVP General Counsel/Sec |
| Apr 29, 2020 | Anthony R Chase became a director |
| Aug 23, 2019 | William L Perotti listed as GEVP and Chief Credit Officer (previously GEVP and Chief Risk Officer) in SEC filings |
| Jan 30, 2019 | Carol Jean Severyn became GEVP and Chief Risk Officer |
| Jul 25, 2018 | Cynthia Jane Comparin became a director |
| Apr 26, 2018 | Ruben M Escobedo reported in an SEC filing no longer being a director |
| Apr 26, 2018 | R Denny Alexander reported in an SEC filing no longer being a director |
| Apr 25, 2018 | Jarvis V. Hollingsworth became a director |
| Mar 1, 2018 | James L Waters became GEVP and General Counsel |
| Jan 25, 2018 | Michael E. Russell became Group Executive Vice President |
| Oct 31, 2017 | Paul Olivier reported in an SEC filing no longer being Group Executive Vice President |
| May 1, 2017 | Royce S Caldwell reported in an SEC filing no longer being a director |
| Apr 27, 2017 | Graham M Weston became a director |
| Jan 18, 2017 | Samuel G. Dawson became a director |
| Jan 11, 2017 | Jimmy Stead became Group Executive Vice President |
Not reported recently (14)
- Candace K Wolfshohl · Last reported as GEVP Culture/PeopleDevelopment in an SEC filing dated Feb 7, 2025
- Jerry Salinas · Last reported as GEVP and CFO in an SEC filing dated Dec 6, 2024
- Patrick B Frost · Last reported as a director in an SEC filing dated Mar 7, 2024
- Carlos Alvarez · Last reported as a director in an SEC filing dated Apr 28, 2023
- William L Perotti · Last reported as GEVP and Chief Credit Officer in an SEC filing dated Oct 27, 2022
- James L Waters · Last reported as GEVP and General Counsel in an SEC filing dated Oct 29, 2020
- Graham M Weston · Last reported as a director in an SEC filing dated May 5, 2020
- Michael E. Russell · Last reported as Group Executive Vice President in an SEC filing dated Oct 31, 2019
- Horace Wilkins Jr · Last reported as a director in an SEC filing dated Apr 25, 2019
- Richard M Kleberg III · Last reported as a director in an SEC filing dated Apr 25, 2019
- Jarvis V. Hollingsworth · Last reported as a director in an SEC filing dated Apr 25, 2019
- Gary C McKnight · Last reported as Group Executive Vice President in an SEC filing dated Jan 30, 2018
- Richard Kardys · Last reported as Wealth Advisor Sr. Officer in an SEC filing dated Oct 31, 2017
- Jack A Wood · Last reported as a director in an SEC filing dated Nov 22, 2016
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
CFR Proposed Insider Sales (Form 144)
Latest: 2026-11-05
? Form 144 Guide
Last 30d:
3 filings
· $922K notice value
· Last 90d:
3 filings
· $922K notice value
· 3 unique filers
What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.
How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.
10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.
"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.
Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.
Top 90-day filers:
Bracher Paul (1, $459K) · Berman Bobby (1, $378K) · Henson Matthew Bradley (1, $85K)
| Filed | Filer | Role | Shares | Notice Value | Planned Sale | Broker | Plan | Link |
|---|---|---|---|---|---|---|---|---|
| 2026-11-05 | Bracher Paul | Officer | 2,900 | $458.9K | 2026-11-05 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2026-11-02 | Henson Matthew Bradley | Officer | 534 | $85.3K | 2026-11-02 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2026-10-30 | Berman Bobby | Officer | 2,406 | $378.2K | 2026-10-30 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2026-06-12 | Severyn Carol Jean | Officer | 837 | $124.1K | 2026-06-12 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2026-03-06 | Rhodes Coolidge E JR | Officer | 700 | $88.9K | 2026-03-06 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2026-01-30 | Berman Bobby | Officer | 1,000 | $137.1K | 2026-01-30 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2025-05-19 | Wolfshohl Candace K | Officer | 7,670 | $1.01M | 2025-05-19 | Wells Fargo Clearing Services | — | EDGAR |
| 2025-01-31 | Bracher Paul | Officer | 11,500 | $1.60M | 2025-01-31 | Wells Fargo clearing Services | — | EDGAR |
| 2024-11-19 | GREEN PHILLIP D | Officer | 34,505 | $4.76M | 2024-11-19 | Charles Schwab Corp. | — | EDGAR |
| 2024-11-08 | Kasanoff Howard L. | Officer | 4,000 | $574.6K | 2024-11-08 | FIDELITY BROKERAGE SERVICES LLC | — | EDGAR |
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
Recent SEC Filings
Latest: 2026-10-29
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
| Filing Date | Event | Link |
|---|---|---|
| 2026-10-29 | Listing standards notice · Regulation FD disclosure | EDGAR |
| 2026-10-29 | Earnings results | EDGAR |
| 2026-08-17 | Regulation FD disclosure | EDGAR |
| 2026-07-30 | Earnings results | EDGAR |
| 2026-04-30 | Earnings results | EDGAR |
| 2026-04-29 | Shareholder vote results | EDGAR |
| 2026-02-11 | Regulation FD disclosure | EDGAR |
| 2026-01-30 | Director or officer change | EDGAR |
| 2026-01-29 | Earnings results | EDGAR |
| 2025-10-30 | Earnings results | EDGAR |
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
| Filing Date | Accession | Link |
|---|---|---|
| 2026-02-05 | 0000039263-26-000011 | EDGAR |
| 2025-02-06 | 0000039263-25-000017 | EDGAR |
| 2024-02-06 | 0000039263-24-000013 | EDGAR |
| 2023-02-03 | 0000039263-23-000008 | EDGAR |
| 2022-02-04 | 0000039263-22-000008 | EDGAR |
| 2021-02-05 | 0000039263-21-000007 | EDGAR |
| 2020-02-04 | 0000039263-20-000010 | EDGAR |
| 2019-02-06 | 0000039263-19-000009 | EDGAR |
| 2018-02-07 | 0000039263-18-000016 | EDGAR |
| 2017-02-03 | 0000039263-17-000017 | EDGAR |
Quarterly report — unaudited financials and MD&A. Filed 40–45 days after each of the first three fiscal quarters.
| Filing Date | Accession | Link |
|---|---|---|
| 2026-10-29 | 0000039263-26-000056 | EDGAR |
| 2026-07-30 | 0000039263-26-000046 | EDGAR |
| 2026-04-30 | 0000039263-26-000035 | EDGAR |
| 2025-10-30 | 0000039263-25-000117 | EDGAR |
| 2025-07-31 | 0000039263-25-000101 | EDGAR |
| 2025-05-01 | 0000039263-25-000058 | EDGAR |
| 2024-10-31 | 0000039263-24-000069 | EDGAR |
| 2024-07-25 | 0000039263-24-000057 | EDGAR |
| 2024-04-25 | 0000039263-24-000039 | EDGAR |
| 2023-10-26 | 0000039263-23-000072 | EDGAR |
ETF Holders
181 ETFs hold CFR
25 shown · $7.05B total exposure · 0.43% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VXUS Vanguard Total International Stock ETF | Vanguard | 0.25% | $1.7B | — | 2026-09-30 |
| 2 | VEA Vanguard FTSE Developed Markets ETF | Vanguard | 0.35% | $1.1B | — | 2026-09-30 |
| 3 | IEFA iShares Core MSCI EAFE ETF | iShares (BlackRock) | 0.45% | $850.2M | $187.1B | 2026-11-06 |
| 4 | EFA iShares MSCI EAFE ETF | iShares (BlackRock) | 0.53% | $397.9M | $75.5B | 2026-11-06 |
| 5 | IJH iShares Core S&P Mid-Cap ETF | iShares (BlackRock) | 0.29% | $349.1M | $121.4B | 2026-11-06 |
| 6 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.01% | $284.9M | — | 2026-09-30 |
| 7 | VGK Vanguard FTSE Europe ETF | Vanguard | 0.73% | $273.6M | — | 2026-09-30 |
| 8 | VEU Vanguard FTSE All-World Ex-US ETF | Vanguard | 0.28% | $270.6M | — | 2026-09-30 |
| 9 | VB Vanguard Morningstar Small-Cap ETF | Vanguard | 0.11% | $202.9M | — | 2026-09-30 |
| 10 | EFG iShares MSCI EAFE Growth ETF | iShares (BlackRock) | 1.09% | $160.4M | $14.8B | 2026-11-06 |
| 11 | IXUS iShares Core MSCI Total International Stock ETF | iShares (BlackRock) | 0.28% | $156.7M | $56.4B | 2026-11-06 |
| 12 | SPDW State Street® SPDR® Portfolio Developed World ex-US ETF | SPDR (State Street) | 0.34% | $139.2M | $41.0B | 2026-11-05 |
| 13 | VBR Vanguard Morningstar Small-Cap Value ETF | Vanguard | 0.21% | $132.0M | — | 2026-09-30 |
| 14 | IDEV iShares Core MSCI International Developed Markets ETF | iShares (BlackRock) | 0.39% | $131.6M | $33.4B | 2026-11-06 |
| 15 | EWL iShares MSCI Switzerland ETF | iShares (BlackRock) | 3.94% | $121.6M | $3.1B | 2026-11-06 |
| 16 | VXF Vanguard Extended Market ETF | Vanguard | 0.11% | $106.7M | — | 2026-09-30 |
| 17 | IQLT iShares MSCI Intl Quality Factor ETF | iShares (BlackRock) | 0.76% | $102.7M | $13.5B | 2026-11-06 |
| 18 | VT Vanguard Total World Stock ETF | Vanguard | 0.10% | $98.5M | — | 2026-09-30 |
| 19 | SDY State Street® SPDR® S&P® Dividend ETF | SPDR (State Street) | 0.39% | $88.4M | $22.5B | 2026-11-05 |
| 20 | DFAT Dimensional US Targeted Value ETF | Dimensional | 0.25% | $76.9M | — | 2026-11-05 |
| 21 | MDY State Street® SPDR® S&P MIDCAP 400® ETF Trust | SPDR (State Street) | 0.29% | $74.3M | $25.6B | 2026-11-05 |
| 22 | IEUR iShares Core MSCI Europe ETF | iShares (BlackRock) | 0.73% | $69.7M | $9.6B | 2026-11-06 |
| 23 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.18% | $59.5M | — | 2026-11-05 |
| 24 | XMMO Invesco S&P MidCap Momentum ETF | Invesco | 0.94% | $56.9M | — | 2026-11-05 |
| 25 | ACWX iShares MSCI ACWI ex U.S. ETF | iShares (BlackRock) | 0.32% | $56.5M | $17.5B | 2026-11-06 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
Trailing P/E
15.49
TTM Diluted EPS
$10.27
TTM Revenue
$2.92B
TTM Net Income
$661.32M
TTM Op. Cash Flow
$807.41M
Quarterly figures (12 quarters)
| Quarter | Period End | Revenue | Net Income | Diluted EPS | Op. Cash Flow |
|---|---|---|---|---|---|
| Q1 '26 | 2026-03-31 | $714.28M | $167.21M | $2.65 | $237.32M |
| Q4 '25 | 2025-12-31 | $745.73M | $169.30M | $2.56 | $180.74M |
| Q3 '25 | 2025-09-30 | $745.75M | $170.97M | $2.67 | $248.58M |
| Q2 '25 | 2025-06-30 | $719.23M | $153.84M | $2.39 | $140.77M |
| Q1 '25 | 2025-03-31 | $709.13M | $147.81M | $2.30 | $-296.11M |
| Q4 '24 | 2024-12-31 | $723.52M | $158.04M | $2.36 | $64.30M |
| Q3 '24 | 2024-09-30 | $721.87M | $143.25M | $2.24 | $307.22M |
| Q2 '24 | 2024-06-30 | $707.48M | $142.14M | $2.21 | $129.58M |
| Q1 '24 | 2024-03-31 | $696.88M | $132.38M | $2.06 | $488.43M |
| Q4 '23 | 2023-12-31 | $692.83M | $99.61M | $1.56 | $-83.00M |
| Q3 '23 | 2023-09-30 | $667.11M | $152.45M | $2.38 | $238.69M |
| Q2 '23 | 2023-06-30 | $645.86M | $158.80M | $2.47 | $154.81M |
Q1 2026 • period ending 2026-03-31 • filed 2026-04-30
Valuation
Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.
Price Multiples
- P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
- P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
- P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
- EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
- EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
- ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
- ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
- Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
- FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
- Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
- Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
- Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
- Multiples expanding while earnings are flat = sentiment-driven rally.
- Multiples compressing while earnings grow = value coming from fundamentals.
P/E
15.49
P/B
2.24
P/S
3.48
EV/EBITDA
12.26
EV/Sales
3.33
ROE
14.6%
ROA
1.3%
Div Yield
2.71%
FCF Yield
7.94%
Debt/Equity
0.05
Current Ratio
—
Market Cap
$10.17B
as of 2026-11-09
CFR vs Peers
Related companies, largest first| Company | Market cap | P/E | Revenue growth | YTD | IV rank |
|---|---|---|---|---|---|
| JPM JPMorgan Chase & Co. | $888.3B | 16.4 | +1.3% | +5.1% | 58 |
| USB U.S. Bancorp | $92.6B | 12.8 | +1.7% | +13.5% | 75 |
| PNC PNC Financial Services Group | $89.5B | 13.5 | +1.1% | +10.0% | 69 |
| SPG Simon Property Group, Inc. | $73.7B | 16.5 | +14.9% | +27.0% | 41 |
| CFG Citizens Financial Group, Inc. | $26.5B | 13.2 | +4.4% | +10.3% | 43 |
| CTRE CareTrust REIT, Inc | $9.8B | 24.3 | +49.0% | +6.3% | 39 |
| BPOP Popular Inc | $9.8B | 11.7 | +3.3% | +25.6% | 40 |
| CFR Cullen/Frost Bankers Inc. | $9.7B | 15.5 | +2.2% | +24.0% | 32 |
| ONB Old National Bancorp | $9.4B | 10.4 | +17.6% | +13.5% | 44 |
| Peer median | $50.1B | 13.3 | +3.9% | +11.9% | 43 |
P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.
Short Interest & Float
Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.
Metric definitions
- Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
- SI % of Float — short interest / free float. The key crowding metric.
- Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
- Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
- Free Float — shares available for public trading (total shares minus insider / restricted).
- Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
- SI % of Float < 5% — typical, no particular signal.
- 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
- 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
- >30% — extreme; borrow is likely expensive and squeeze risk is material.
- Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
- Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
- A sudden drop in SI after a rally may indicate a squeeze in progress.
Short interest is reported mid-month and end-of-month; short volume is daily.
Short Interest
4.43M
SI % of Float
7.69%
Days to Cover
10.70
Short Vol Ratio
73.8%
Free Float
57.57M
Float %
92.6%
Short interest 2026-10-15 • Short volume 2026-11-06 • Float 2026-09-22