The takeaway
Cullen/Frost Bankers Inc shows a moderate seasonal pattern over 10 years of data — strongest in October (+5.5%) and softest in May (0.0%).
Right now
In July, the stock has risen 60% of years, averaging +2.2% — essentially in line with the S&P 500.
The full picture
Cullen/Frost Bankers Inc's most dependable month has been October, higher in 8 of 10 years; May has been its least reliable, up just 30% of the time.
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Month by month
The stock's clearest edge over the S&P 500 lands in April (+5.2 pts); it has trailed the market most in March (−6.5 pts).
“vs S&P” is Cullen/Frost Bankers Inc’s average for a month minus the S&P 500’s average for that same month — isolating Cullen/Frost Bankers Inc’s own seasonal edge from broad market drift.
Reality check
Over the last 5 years, October has closed higher 80% of the time versus 80% across the last 10 years — the pattern is holding.
Figures are the typical (median) October return and how often it rose — the last 5 years versus the last 10(the heatmap’s default window). This verdict stays anchored to that 10-year window even if you zoom the chart, so it never disagrees with the badges above.
In plain English
Dependability is the through-line here. October stands out, higher in 8 of 10 Octobers, but it heads a clutch of months that pull the year reliably upward.
Its average (+5.5%) and median (+5.2%) land within a hair of each other — the tell of steady, year-after-year gains rather than one outlier doing the work. Crucially, the gain is the stock's own rather than a rising tide's: October has cleared the S&P 500 by +4.5 points above the index. That consistency sets it apart from the field, where the average stock manages October only about 53% of the time.
The strength clusters rather than stands alone — October–February forms a firm stretch that carries much of the year. On the other side of the ledger, May is the year's quietest corner, essentially flat on average, and the edge isn't year-round — the stock has trailed the S&P 500 in March, June, and December. Its roughest month on record was a −31.8% March in 2020 — a reminder of how hard even a seasonal name can fall.
A long streak recently broke — October had risen 6 years straight before a −2.1% reading in 2025. Reassuringly, the tendency has held its shape: the recent five years still track the years behind them.
The takeaway is less about when to buy than what to expect: October aside, the stock's months offer little reliable tilt.
Short answers on the stock's best month (October), its worst (May), and whether it really trades seasonally.
Yes, to a moderate degree. Since 2016 its best month (October, +5.5%) has run well ahead of its worst (May, 0.0%) — the heatmap above shows how steady that gap has been year to year.
October has been the strongest, averaging +5.5% and closing higher in 8 of 10 years since 2016.
It's the weakest month, but it has still averaged a small gain (0.0%) — quiet rather than genuinely bad.
Explore
These names have the strongest July track records on record — a starting point for comparison.
Before you trade