STOCK TITAN

Director at Cullen/Frost (NYSE: CFR) awarded 630 deferred stock units

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Shields Marsha McCombs reported acquisition or exercise transactions in this Form 4 filing.

CULLEN/FROST BANKERS, INC. director Marsha McCombs Shields received a grant of 630 deferred stock units linked to the company’s common stock. Each unit represents one future share. The units vested on April 29, 2026, and actual shares will be delivered when she separates from service with the company.

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Insider Shields Marsha McCombs
Role Director
Type Security Shares Price Value
Grant/Award Deferred Stock Units 630 $0.00 $0.00
Holdings After Transaction: Deferred Stock Units — 630 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
Transaction price per unit $0.0000 per unit Equity award, non-cash grant
Underlying common shares 630 shares Each unit equals one share of common stock
Deferred units after transaction 630 units Total reported following this grant
Vesting date April 29, 2026 Deferred stock units fully vested
Deferred Stock Units financial
"Each deferred stock unit represents the right to receive one share of Cullen/Frost Bankers, Inc. common stock."
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.
separation from service financial
"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."
underlying security financial
"underlying_security_title: Common Stock, $0.01 par value"

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FAQ

What insider transaction did CFR director Marsha McCombs Shields report?

Marsha McCombs Shields reported receiving 630 deferred stock units as a compensation award. These derivative units are tied to Cullen/Frost Bankers common stock and reflect a non-cash, equity-based grant rather than an open-market purchase or sale of existing shares.

How many deferred stock units were granted in this Cullen/Frost (CFR) Form 4?

The Form 4 shows a grant of 630 deferred stock units to the reporting director. Each deferred stock unit represents the right to receive one share of Cullen/Frost Bankers common stock, providing future equity rather than immediate stock ownership or cash compensation.

When did the Cullen/Frost (CFR) deferred stock units vest for the director?

The deferred stock units vested on April 29, 2026, according to the filing footnotes. Vesting means the director’s right to receive the corresponding common shares is earned, subject to the timing rules governing when those shares are actually delivered in the future.

When will the CFR shares underlying these deferred stock units be delivered?

Shares underlying the 630 deferred stock units will be delivered when the director experiences a separation from service with Cullen/Frost Bankers. Until that future separation date, the award remains a deferred right to receive common stock rather than currently issued shares.

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 common stock. This structure grants equity-linked compensation that vests now but settles later in actual shares, aligning director incentives with long-term company performance and continued service.
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*
Shields Marsha McCombs

(Last)(First)(Middle)
111 W. 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)04/29/2026A63004/29/2026 (2)Common Stock, $0.01 par value630$0630D
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/ Marsha McCombs Shields, 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)