STOCK TITAN

Cullen/Frost (NYSE: CFR) director awarded 630 deferred stock units, now holds 2,860

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Pierce Joseph A. reported acquisition or exercise transactions in this Form 4 filing.

CULLEN/FROST BANKERS, INC. director Joseph A. Pierce reported receiving a grant of deferred stock units tied to the company’s common stock. The award covers 630 deferred stock units, each representing the right to receive one share of common stock. Following this grant, Pierce now holds 2,860 deferred stock units directly. The units vested on April 29, 2026, and the underlying shares will be delivered when he experiences a separation from service with the company.

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Insider Pierce Joseph A.
Role Director
Type Security Shares Price Value
Grant/Award Deferred Stock Units 630 $0.00 $0.00
Holdings After Transaction: Deferred Stock Units — 2,860 shares (Direct)
Footnotes (2)
  1. F1. Each deferred stock unit represents the right to receive one share of Cullen/Frost Bankers, Inc. common stock.
  2. F2. The deferred stock units vested on April 29, 2026. Shares will be delivered to the reporting person on the date when the reporting person experiences a separation from service with Cullen/Frost Bankers, Inc.
Deferred stock units granted 630 units Grant to director on April 29, 2026
Deferred stock units after transaction 2,860 units Director’s total deferred stock unit holdings following grant
Exercise price $0.00 per unit Conversion or exercise price for deferred stock units
Underlying common shares 630 shares Shares of common stock underlying the new deferred stock units
Transaction price per unit $0.00 Price per deferred stock unit reported in the transaction
Deferred Stock Units financial
"security_title: "Deferred Stock Units""
Deferred stock units are promises from a company to give an employee shares of stock at a future date, often after certain conditions are met or after leaving the company. They function like a form of delayed compensation, allowing employees to earn shares over time. For investors, they represent potential future ownership in the company, but do not provide immediate voting rights or dividends until the shares are actually received.
underlying security financial
"underlying_security_title: "Common Stock" and underlying_security_shares"
separation from service financial
"Shares will be delivered ... when the reporting person experiences a separation from service"

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FAQ

What insider transaction did CFR director Joseph A. Pierce report?

Director Joseph A. Pierce reported receiving a grant of 630 deferred stock units. Each unit is linked to one share of Cullen/Frost Bankers, Inc. common stock, increasing his directly held deferred stock unit balance to 2,860 after the transaction.

How many deferred stock units did Joseph A. Pierce receive in this CFR Form 4?

He received 630 deferred stock units in this transaction. These units are derivative securities that each represent the right to receive one share of Cullen/Frost Bankers, Inc. common stock under the company’s deferred stock unit arrangements.

What does each deferred stock unit represent for Cullen/Frost (CFR)?

Each deferred stock unit represents the right to receive one share of Cullen/Frost Bankers, Inc. common stock. This means the units track the company’s common stock and are ultimately settled in shares according to the plan’s terms.

When did the new CFR deferred stock units granted to Joseph A. Pierce vest?

The 630 deferred stock units vested on April 29, 2026. Vesting means the award became non-forfeitable on that date under the company’s plan, subject to the delivery terms described in the related footnote.

When will shares from Joseph A. Pierce’s CFR deferred stock units be delivered?

Shares underlying the deferred stock units will be delivered when Joseph A. Pierce experiences a separation from service with Cullen/Frost Bankers, Inc. Delivery timing is therefore tied to the end of his service, not the vesting date.

How many CFR deferred stock units does Joseph A. Pierce hold after this transaction?

After this grant, he holds 2,860 deferred stock units directly. This figure reflects the cumulative position in deferred stock units following the addition of the 630 newly awarded units reported in the filing.
SEC Form 4
FORM 4UNITED 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*
Pierce Joseph A.

(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)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
04/29/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Deferred Stock Units(1)04/29/2026A630 (2) (2)Common Stock630$02,860D
Explanation of Responses:
1. Each deferred stock unit represents the right to receive one share of Cullen/Frost Bankers, Inc. common stock.
2. The deferred stock units vested on April 29, 2026. Shares will be delivered to the reporting person on the date when the reporting person experiences a separation from service with Cullen/Frost Bankers, Inc.
Remarks:
/s/ Joseph A. Pierce, by Kirsten Irwin under POA05/27/2026
** Signature of Reporting PersonDate
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)