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Cullen/Frost Bankers Inc (CFR) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong financial performance, positive analyst sentiment, and bullish technical indicators make it a solid choice for long-term growth. While there are no immediate trading signals or significant catalysts in the news, the company's consistent earnings growth and positive revisions in price targets by analysts support the investment decision.
The technical indicators are bullish. The MACD histogram is positive at 0.299, suggesting upward momentum. The RSI is neutral at 55.51, indicating no overbought or oversold conditions. The moving averages are aligned bullishly (SMA_5 > SMA_20 > SMA_200). The stock is trading near its pivot level of 142.514, with resistance at 147.778 and support at 137.25, providing a favorable risk-reward setup.

Strong Q4 financial performance with revenue up 8.17% YoY, net income up 7.30% YoY, and EPS up 12.71% YoY.
Positive analyst sentiment with multiple price target increases and buy ratings.
Bullish technical indicators and consistent historical performance in earnings.
Lack of significant news-driven catalysts or recent congress trading data.
Neutral sentiment from hedge funds and insiders, indicating no strong institutional buying activity.
In Q4 2025, Cullen/Frost reported revenue growth of 8.17% YoY to $547.4M, net income growth of 7.30% YoY to $162.89M, and EPS growth of 12.71% YoY to $2.66. These results highlight strong operational performance and profitability.
Analysts are generally positive on CFR. Recent upgrades include price target increases to $161 (Maxim), $160 (TD Cowen), and $163 (BofA), with buy ratings citing strong EPS growth, loan growth, and net interest margin expansion. Some neutral and sell ratings exist, but the majority view is optimistic.