CFR
Cullen/Frost Bankers, Inc. Financial Services - Banks - Regional Investor Relations →
Cullen/Frost Bankers, Inc. (CFR) closed at $146.69 as of 2026-02-02, trading 29.6% above its 200-week moving average of $113.21. The stock moved further from the line this week, up from 21.9% last week. With a 14-week RSI of 85, CFR is in overbought territory.
Over the past 2346 weeks of data, CFR has crossed below its 200-week moving average 34 times. On average, these episodes lasted 15 weeks. Historically, investors who bought CFR at the start of these episodes saw an average one-year return of +19.2%.
With a market cap of $9.4 billion, CFR is a mid-cap stock. Return on equity stands at 15.5%, a solid level. The stock trades at 2.2x book value.
Over the past 33.2 years, a hypothetical investment of $100 in CFR would have grown to $4063, compared to $2849 for the S&P 500. That represents an annualized return of 11.8% vs 10.6% for the index — confirming CFR as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been growing at a 13.9% compound annual rate, with 4 consecutive years of positive cash generation.
Growth of $100: CFR vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After CFR Crosses Below the Line?
Across 25 historical episodes, buying CFR when it crossed below its 200-week moving average produced an average return of +19.5% after 12 months (median +16.0%), compared to +13.0% for the S&P 500 over the same periods. 79% of those episodes were profitable after one year. After 24 months, the average return was +41.6% vs +29.5% for the index.
Each line shows $100 invested at the moment CFR crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
CFR has crossed below its 200-week MA 34 times with an average 1-year return of +19.2% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jul 1982 | Jul 1982 | 3 | 2.7% | +22.6% | +6719.7% |
| Aug 1982 | Nov 1982 | 12 | 8.4% | +58.5% | +6886.0% |
| Dec 1982 | Dec 1982 | 1 | 0.2% | +42.9% | +6719.7% |
| Mar 1983 | Apr 1983 | 4 | 3.3% | +56.0% | +6719.7% |
| May 1983 | Jun 1983 | 6 | 6.8% | +62.7% | +6801.8% |
| Dec 1984 | Jan 1985 | 6 | 10.9% | -7.0% | +6026.8% |
| Mar 1985 | Feb 1989 | 206 | 69.3% | -26.0% | +5408.2% |
| Oct 1989 | Oct 1989 | 1 | 11.9% | -45.3% | +11960.0% |
| Nov 1989 | Aug 1991 | 90 | 48.8% | -47.5% | +11472.8% |
| Feb 2000 | Mar 2000 | 4 | 11.0% | +82.3% | +1358.1% |
| Sep 2001 | Nov 2001 | 6 | 11.5% | +26.7% | +1005.7% |
| Dec 2007 | Jan 2008 | 3 | 6.0% | +10.4% | +440.4% |
| Jun 2008 | Jul 2008 | 2 | 1.6% | -3.8% | +415.1% |
| Nov 2008 | Nov 2008 | 1 | 2.0% | +0.7% | +406.2% |
| Dec 2008 | Aug 2009 | 34 | 26.1% | +8.9% | +430.8% |
| Aug 2009 | Sep 2009 | 3 | 2.3% | +9.7% | +391.9% |
| Oct 2009 | Dec 2009 | 8 | 5.1% | +12.6% | +393.9% |
| Aug 2011 | Oct 2011 | 10 | 7.6% | +27.2% | +389.2% |
| Nov 2011 | Nov 2011 | 1 | 4.5% | +23.0% | +375.2% |
| Aug 2015 | Oct 2015 | 5 | 2.2% | +22.7% | +221.6% |
| Dec 2015 | May 2016 | 23 | 30.1% | +42.3% | +208.1% |
| Jun 2016 | Jul 2016 | 3 | 2.7% | +57.3% | +205.6% |
| Aug 2019 | Sep 2019 | 4 | 3.5% | -7.7% | +111.0% |
| Sep 2019 | Oct 2019 | 1 | 0.5% | -20.3% | +109.9% |
| Feb 2020 | Nov 2020 | 39 | 39.8% | +38.0% | +124.4% |
| Dec 2020 | Dec 2020 | 1 | 0.3% | +48.6% | +97.2% |
| Mar 2023 | Mar 2023 | 1 | 1.8% | +10.2% | +60.5% |
| May 2023 | May 2023 | 3 | 5.2% | +7.5% | +57.2% |
| Aug 2023 | Dec 2023 | 17 | 16.5% | +17.6% | +64.2% |
| Jan 2024 | Feb 2024 | 2 | 1.3% | +38.2% | +50.0% |
| Apr 2024 | Jul 2024 | 11 | 10.8% | +22.0% | +46.3% |
| Aug 2024 | Aug 2024 | 1 | 2.5% | +20.2% | +45.3% |
| Sep 2024 | Sep 2024 | 1 | 1.5% | +23.6% | +42.7% |
| Mar 2025 | Apr 2025 | 3 | 4.9% | N/A | +40.5% |
| Average | 15 | — | +19.2% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02