{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "70e6d93b-3767-4fa6-a8be-0de0999ada04",
    "symbol": "CFR",
    "name": "Cullen/Frost Bankers Inc",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "70e6d93b-3767-4fa6-a8be-0de0999ada04",
      "symbol": "CFR",
      "name": "Cullen/Frost Bankers Inc",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "CFR",
    "market_cap": 9293963264.0,
    "market_cap_usd": 8801634247.68,
    "price": 148.0,
    "currency": "USD",
    "dividend_yield": 0.0282,
    "dividend_years": 32,
    "dividend_growth_5y": 0.06745714,
    "dividend_cut_5y": false,
    "payout_ratio": 0.38950002,
    "net_income": 648557000.0,
    "free_cash_flow": 127327000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 0.04877416,
    "revenue_growth_5y": 0.14456255,
    "net_margin": 0.29957,
    "roe": 0.15469,
    "pe_ratio": 14.410905,
    "price_vs_ma": 0.0976913,
    "return_3y": 0.57416081,
    "return_5y": 0.48776573,
    "max_drawdown": -0.43322043,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 15.0,
      "business_quality": 23.5,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 92.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/",
      "chart": "https://sharemaestro.com/terminal/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 15.0,
    "business_quality": 23.5,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 92.0,
    "confidence": 100.0
  },
  "warnings": [
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR qualified as a dividend compounder candidate",
      "detail": "Score 92.0/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2026-05-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 1.03 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 1.03,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2026-02-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 1 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 1.0,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2025-11-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 1 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 1.0,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2025-08-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 1 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 1.0,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2025-05-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 0.95 to 1.",
      "amount": 1.0,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2025-05-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 1 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 1.0,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2025-02-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 0.95 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 0.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2024-11-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 0.95 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 0.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2024-08-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 0.95 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 0.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2024-05-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 0.92 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 0.92,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2024-02-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 0.92 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 0.92,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2023-11-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 0.92 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 0.92,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2023-08-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.7%",
      "detail": "Payment changed from 0.87 to 0.92.",
      "amount": 0.92,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2023-08-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "CFR dividend payment 0.92 USD",
      "detail": "Recorded dividend payment for Cullen/Frost Bankers Inc.",
      "amount": 0.92,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2022-08-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "Dividend increased 16.0%",
      "detail": "Payment changed from 0.75 to 0.87.",
      "amount": 0.87,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2019-05-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "Dividend increased 6.0%",
      "detail": "Payment changed from 0.67 to 0.71.",
      "amount": 0.71,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2018-05-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "Dividend increased 17.5%",
      "detail": "Payment changed from 0.57 to 0.67.",
      "amount": 0.67,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    },
    {
      "event_date": "2017-05-26",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFR",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.6%",
      "detail": "Payment changed from 0.54 to 0.57.",
      "amount": 0.57,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/70e6d93b-3767-4fa6-a8be-0de0999ada04/"
    }
  ]
}