Cullen/Frost CEO Phillip D. Green gifts 2,200 shares

Green's reported holdings include shares listed through trusts for children, his spouse, and a 401(k) Plan.

Available on EDGAR 11/05/2026 - 10:16 AM EST Accepted by SEC EDGAR 11/05/2026 - 10:16 AM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Cullen/Frost Bankers, Inc. (CFR) Chairman and CEO Phillip D. Green reported a gift transfer of 2,200 shares of common stock on November 4, 2026. His reported direct holdings after the transfer were 120,836 shares. The reported holdings also include 38,865 shares through trusts for children; a footnote says some of his children are beneficiaries of trusts of which he is a trustee. The filing lists 1,100 shares held by his spouse and 381 shares through a 401(k) Plan.

Insider Trade Summary

2,200 shares gifted

Gift 1 txn

Insider GREEN PHILLIP D

Role Chairman and CEO

Type	Security	Shares	Price	Value
Gift	Common Stock, $0.01 par value	2,200	$0.00	$0.00
Holding	Common Stock, $0.01 par value F1	--	--	--
Holding	Common Stock, $0.01 par value	--	--	--
Holding	Common Stock, $0.01 par value	--	--	--

Holdings After Transaction: Common Stock, $0.01 par value — 120,836 shares (Direct); Common Stock, $0.01 par value — 38,865 shares (Indirect, Trusts for children); Common Stock, $0.01 par value — 1,100 shares (Indirect, By Spouse); Common Stock, $0.01 par value — 380.874 shares (Indirect, Through 401(k) Plan)

Footnotes (1)

1. F1. Some of Mr. Green's children are beneficiaries of trusts of which Mr. Green is a trustee.

Key Figures

Shares gifted: 2,200 shares Direct shares following transfer: 120,836 shares Shares through trusts for children: 38,865 shares +2 more

5 metrics

Shares gifted 2,200 shares November 4, 2026

Direct shares following transfer 120,836 shares November 4, 2026

Shares through trusts for children 38,865 shares Reported as an indirect holding on November 4, 2026

Shares held by spouse 1,100 shares Reported as an indirect holding on November 4, 2026

Shares through 401(k) Plan 381 shares Reported as an indirect holding on November 4, 2026

Key Terms

bona fide gift, beneficiaries, 401(k) Plan

3 terms

bona fide gift financial

"Bona fide gift"

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

beneficiaries financial

"Some of Mr. Green's children are beneficiaries of trusts"

Beneficiaries are the people or organizations designated to receive benefits, such as money or assets, from a financial arrangement like a trust, insurance policy, or retirement plan. They matter to investors because choosing the right beneficiaries ensures that assets are passed on according to their wishes, providing financial security or support to loved ones when needed. Think of beneficiaries as the intended recipients of a gift or inheritance.

401(k) Plan financial

"Through 401(k) Plan"

A 401(k) plan is a workplace retirement account that lets employees set aside part of their pay into a tax-advantaged savings pot, often with employers adding matching contributions — like a workplace piggy bank for future income. It matters to investors because the amount people save and how employers fund these plans influence consumer spending, corporate payroll costs and the flow of money into financial markets, which can affect stock prices and company valuations.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many CFR shares did Phillip D. Green gift?

Phillip D. Green reported a gift transfer of 2,200 shares of Cullen/Frost Bankers common stock on November 4, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

GREEN PHILLIP D

(Last) (First) (Middle)

111 WEST HOUSTON STREET

(Street)

SAN ANTONIO TEXAS 78205

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
CULLEN/FROST BANKERS, INC. [ CFR ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chairman and CEO

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
11/04/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock, $0.01 par value	11/04/2026		G		2,200	D	$0	120,836	D
Common Stock, $0.01 par value								38,865	I	Trusts for children(1)
Common Stock, $0.01 par value								1,100	I	By Spouse
Common Stock, $0.01 par value								380.874	I	Through 401(k) Plan

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Some of Mr. Green's children are beneficiaries of trusts of which Mr. Green is a trustee.

Remarks:

	/s/ Phillip D. Green, by Kirsten Irwin under POA	11/05/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)