NASDAQ · STOCK
Frost Bank
$166.22
52W $119.00 – $169.09
59/100
$10.34B
15.7
0.53
Is CFR Bullish or Bearish?
Bullish.
Innellis AI committee rates Frost Bank (CFR) Buy with a composite score of 59/100
, based on 6 analysts with 50% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.83 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -4.17 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- ROE of 15.0% shows genuine earnings power backing the valuation — Value
- Dividend yield of 2.5% pays you to wait — Value
- Revenue growing 75.9% YoY -- genuine top-line momentum — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- EPS declining -8.2% YoY despite any revenue growth — Growth
- MACD histogram negative -- bearish momentum — Technical
- Price structure (LH_LL) contradicts the uptrend -- mixed signals — Technical
- Weekly RSI at 78 -- overbought on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
59/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 51%
of 141 Financial Services peers
Value Analyst
bullish
63
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ ROE of 15.0% shows genuine earnings power backing the valuation
Growth Analyst
bullish
62
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 75.9% YoY -- genuine top-line momentum
− EPS declining -8.2% YoY despite any revenue growth
Technical Analyst
neutral
57
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.40 across 23 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 60.6 to 59.2.
- Conviction changed from moderate to contested.
- Committee agreement fell notably from 67% to 50%.
- New bearish signals: 4 appeared.
- Bullish support removed: 4 signal(s) disappeared.
- New bullish signals: 4 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Growth Analyst: score 68->62 (-6); +1 bullish signal(s).
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: score 66->70 (+5); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +2 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
65.3
Neutral
MACD Histogram
-0.067
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Lh Ll
Bollinger %B
0.83
Inside Bands
Price vs Moving Averages
EMA 9
$164.18
Above
EMA 21
$160.67
Above
EMA 50
$153.90
Above
EMA 200
$141.34
Above
Fundamental Analysis
Valuation
93
Growth
75
Profitability
1
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
15.7×
P/B Ratio
2.26×
PEG Ratio
1.11
Dividend Yield
0.02%
52W High
$169.09
52W Low
$119.00
Quality & Growth
ROE
14.2%
ROA
1.2%
Gross Margin
85.8%
Operating Margin
30.8%
Revenue Growth YoY
—
Debt / Equity
0.00
AI Fundamental Assessment
P/E ratio of 15.7 (inexpensive relative to a 15-40x range); Price-to-book of 2.3x; PEG ratio of 1.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.3%; Gross margin of 0.9%; Current ratio of 0.38 (tight short-term liquidity); Debt-to-equity of 0.00; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (11.24); Most recent quarter beat estimates by 4.9%; 5 consecutive earnings beats; EPS growth roughly steady (+3.5% -> +1.9% QoQ); Average YoY EPS growth of 13.0%; Analyst estimates rising over recent quarters
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