COMP <GO>
CFR vs BAC // 10Y YIELD & FRED MACRO BETA
Cullen/Frost Bankers Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: CFR 8
— BAC 4
▲ 10Y YIELD & FRED MACRO BETA LEADER: CFR
LAST: $157.60 (-0.16%) • MKT CAP: $9.81B
macro-sensitivity
0.93
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
macro-sensitivity
0.90
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 2.50% | +0.90 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.0x | 30.2x | -4.20 | CFR | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | 2.10% | -0.80 | BAC | /fcf-yield <GO> |
| Operating Margin | 75.00% | 32.90% | +42.10 | CFR | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.00% | +41.00 | CFR | /net-margins <GO> |
| Revenue Growth (YoY) | 14.40% | 6.80% | +7.60 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 0.00% | +2.60 | CFR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.70% | 6.60% | +0.10 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.3 | 27.7 | +26.63 | CFR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.93 | 0.90 | +0.03 | CFR | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 10.9x | +1.80 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.81B | $357.61B | -$347.80B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | BAC REV | CFR GROSS % | BAC GROSS % | CFR FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $113.10B | 44.0% | 44.0% | $127.3M | $7.52B |
| FY 2024 | $106.2M | $105.86B | 44.0% | 44.0% | $861.8M | -$13.57B |
| FY 2023 | $93.5M | $102.77B | 44.0% | 44.0% | $474.6M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
BAC // BETA 0.90