CFR
Cullen/Frost Bankers, Inc. Financial Services - Banks - Regional Investor Relations →
Cullen/Frost Bankers, Inc. (CFR) closed at $140.36 as of 2026-05-01, trading 23.0% above its 200-week moving average of $114.08. The stock is currently moving closer to the line, down from 24.1% last week. The 14-week RSI sits at 55, indicating neutral momentum.
Trading volume is running at 1.3x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.82 ratio) is neutral — neither side is clearly dominating.
Over the past 2358 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 +19.7%.
With a market cap of $8.8 billion, CFR is a mid-cap stock. Return on equity stands at 15.3%, a solid level. The stock trades at 2.0x book value.
Over the past 33.3 years, a hypothetical investment of $100 in CFR would have grown to $3915, compared to $2973 for the S&P 500. That represents an annualized return of 11.6% vs 10.7% for the index — confirming CFR as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -41% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
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 +20.0% after 12 months (median +16.0%), compared to +13.2% for the S&P 500 over the same periods. 80% of those episodes were profitable after one year. After 24 months, the average return was +41.6% vs +30.3% 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 +19.7% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jul 1982 | Jul 1982 | 3 | 2.7% | +22.6% | +6471.0% |
| Aug 1982 | Nov 1982 | 12 | 8.4% | +58.5% | +6631.3% |
| Dec 1982 | Dec 1982 | 1 | 0.2% | +42.9% | +6471.0% |
| Mar 1983 | Apr 1983 | 4 | 3.3% | +56.0% | +6471.0% |
| May 1983 | Jun 1983 | 6 | 6.8% | +62.7% | +6550.1% |
| Dec 1984 | Jan 1985 | 6 | 10.9% | -7.0% | +5803.3% |
| Mar 1985 | Feb 1989 | 206 | 69.3% | -26.0% | +5207.3% |
| Oct 1989 | Oct 1989 | 1 | 11.9% | -45.3% | +11520.3% |
| Nov 1989 | Aug 1991 | 90 | 48.8% | -47.5% | +11050.8% |
| Feb 2000 | Mar 2000 | 4 | 11.0% | +82.3% | +1304.9% |
| Sep 2001 | Nov 2001 | 6 | 11.5% | +26.7% | +965.4% |
| Dec 2007 | Jan 2008 | 3 | 6.0% | +10.4% | +420.7% |
| Jun 2008 | Jul 2008 | 2 | 1.6% | -3.8% | +396.3% |
| Nov 2008 | Nov 2008 | 1 | 2.0% | +0.7% | +387.8% |
| Dec 2008 | Aug 2009 | 34 | 26.1% | +8.9% | +411.4% |
| Aug 2009 | Sep 2009 | 3 | 2.3% | +9.7% | +374.0% |
| Oct 2009 | Dec 2009 | 8 | 5.1% | +12.6% | +375.9% |
| Aug 2011 | Oct 2011 | 10 | 7.6% | +27.2% | +371.4% |
| Nov 2011 | Nov 2011 | 1 | 4.5% | +23.0% | +357.9% |
| Aug 2015 | Oct 2015 | 5 | 2.2% | +22.7% | +209.9% |
| Dec 2015 | May 2016 | 23 | 30.1% | +42.3% | +196.8% |
| Jun 2016 | Jul 2016 | 3 | 2.7% | +57.3% | +194.5% |
| Aug 2019 | Sep 2019 | 4 | 3.5% | -7.7% | +103.3% |
| Sep 2019 | Oct 2019 | 1 | 0.5% | -20.3% | +102.3% |
| Feb 2020 | Nov 2020 | 39 | 39.8% | +38.0% | +116.2% |
| Dec 2020 | Dec 2020 | 1 | 0.3% | +48.6% | +90.0% |
| Mar 2023 | Mar 2023 | 1 | 1.8% | +10.2% | +54.6% |
| May 2023 | May 2023 | 3 | 5.2% | +7.5% | +51.4% |
| Aug 2023 | Dec 2023 | 17 | 16.5% | +17.6% | +58.2% |
| Jan 2024 | Feb 2024 | 2 | 1.3% | +38.2% | +44.5% |
| Apr 2024 | Jul 2024 | 11 | 10.8% | +22.0% | +40.9% |
| Aug 2024 | Aug 2024 | 1 | 2.5% | +20.2% | +40.0% |
| Sep 2024 | Sep 2024 | 1 | 1.5% | +23.6% | +37.5% |
| Mar 2025 | Apr 2025 | 3 | 4.9% | +33.6% | +35.3% |
| Average | 15 | — | +19.7% | — |
Frequently Asked Questions
Is CFR below its 200-week moving average?
No. Cullen/Frost Bankers, Inc. (CFR) is currently 23.0% above its 200-week moving average of $114.08. It would need to fall to $114.08 to cross below the line.
What is CFR's 200-week moving average price?
Cullen/Frost Bankers, Inc.'s 200-week moving average is $114.08 as of 2026-05-01. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when CFR drops below its 200-week moving average?
CFR has crossed below its 200-week moving average 34 times in our data. On average, buying at that moment produced a one-year return of +19.7%. These dips have historically been decent entry points. These episodes lasted 15 weeks on average.
Is CFR a good value right now?
Here's what our data says about CFR as of 2026-05-01: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 55. Return on equity is 15.3%. Price-to-book is 2.0x. This is not a buy or sell recommendation — always do your own research.
How does CFR compare to the S&P 500?
Over the past 33.3 years, $100 invested in CFR would have grown to $3915, compared to $2973 for the S&P 500. That's 11.6% annualized vs 10.7% for the index. CFR has outperformed the broader market over this period.
Does CFR pay a dividend?
Yes. Cullen/Frost Bankers, Inc. currently pays a dividend yield of 280.00%.
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 week of 2026-05-01