CFRFrost Bank
- Next report
- No date yet
- none in the next 8 weeks
- Last result
- $2.94Beat
- vs $2.79 expected on Oct 29
- Stock move on it
- +0.53%
- one session
- Typical move
- ±0.4%
- average over 2 reports
- Price
- $158.22
- +0.23% today · $10.2B cap
Past and upcoming reports
2
| Oct 29, 2026 | Sep 30, 2026 | Time not given | $2.79 | Beat$2.94 | +0.53% |
| Jul 30, 2026 | Jun 30, 2026 | Time not given | $2.54 | Missed$2.39 | −0.35%2d |
After the report
Jul 30, 2026 report
This covers the Jul 30, 2026 report. The Oct 29, 2026 numbers are in the table above.
CFR Q2 2026: EPS Miss of -5.5% on $2.39 vs $2.53 Estimate. Stock Rises 1.75% on Day 2 as Market Looks Past Print to Loan Growth Narrative
Frost Bank reported Q2 2026 EPS of $2.39, missing the $2.53 consensus by -5.5% (-$0.14). Despite the miss, the stock rose 1.75% on the second day post-print, closing at $166.35. The market appears to be pricing in a forward-looking thesis centered on strong loan growth and operating margin (27.2%), while discounting the single-quarter EPS shortfall. The stock is technically overbought (RSI 71.4) and trades above its 20/50/200-day SMAs. The consensus analyst target is $161.45 (Hold, 2.76 rating).
Reported against expected
MissedEPS of $2.39 missed the $2.53 estimate by -5.5% (-$0.14), a clear miss.
Guidance
No explicit forward guidance is available in the payload. the market's positive reaction suggests implicit optimism on loan growth and margin.
How the stock reacted
Stock rose 1.75% on day 2 post-print to $166.35, recovering from a flat event day. Volume of 661K was elevated vs 90d average.
What changed
EPS missed by -5.5%, but stock rallied 1.75% on loan growth narrative.
What the price now assumes
Market is pricing a forward re-rate on loan growth and 27.2% operating margin, ignoring the EPS miss.
What it means for the business
Upgrade bias if loan growth sustains. watch Q3 net interest margin and loan book details.
The next one to three months, as we saw it then
Better case30%
Loan growth accelerates, driving revenue above consensus and expanding NIM, justifying the current re-rate.
Base case50%
EPS miss is a one-off. loan growth continues at a moderate pace, and the stock trades in a $155-$170 range.
Worse case20%
The EPS miss signals margin pressure or credit deterioration. the post-print rally is a dead-cat bounce.
If you hold it
Hold unless next-quarter revenue misses guidance materially or customer concentration risk worsens.
If you are watching
Add only if next-quarter guidance is reiterated or raised. avoid if guidance is cut or geopolitical risk escalates.
Scenario odds are a judgement, not measured.