Profitability
Weight: 25%
C
53
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 63.5%
- Efficiency Ratio Trend -0.13 pp/yr
CFR
Cullen/Frost Bankers, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B
72
- 5yr Avg ROE 14.7%
- 5yr Share-Count CAGR 0.3%
Growth Quality
Weight: 15%
B+
77
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 14.5%
- Efficiency Ratio Trend (growth quality check) -0.13 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
A-
83
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.02
Balance Sheet
Weight: 20%
B
70
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 8.6%
Stability
Weight: 10%
B
70
- EPS Volatility (σ/μ) 0.28
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 added; 2 full exits.
- Holders
- 1 -1
- Avg Δ position
- +3.6%
- New buys
- 0
- Full exits
- 2