Welcome to our dedicated page for CULLEN/FROST BANKERS SEC filings (Ticker: CFR), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Cullen/Frost Bankers, Inc. filings document the financial reporting, governance and capital structure of a Texas financial holding company whose Frost subsidiary provides banking, investment and insurance services. Form 8-K reports furnish quarterly and annual results, earnings press releases, Regulation FD investor presentations and board-related events.
Proxy and shareholder-vote filings cover director elections, annual meeting matters, executive compensation and governance practices. The company’s Exchange Act records also identify its NYSE-listed common stock and depositary shares representing interests in Series B non-cumulative perpetual preferred stock, along with disclosure topics such as dividends, repurchase authorization, technology strategy and forward-looking risk language for banking operations.
Cullen/Frost Bankers, Inc. is asking shareholders to vote at its April 29, 2026 annual meeting on four items: electing 14 directors for one-year terms, a nonbinding say‑on‑pay vote, ratifying Ernst & Young LLP as auditor, and any other proper business. The Board recommends voting FOR the three main proposals.
The company highlights a largely independent Board with a lead independent director, six specialized committees (including Risk and Technology & Cybersecurity), and detailed oversight of risk, compliance, ethics, and sustainability. Director recruitment, evaluation, and refreshment are ongoing, with several new independent directors added in 2025 and 2026.
Executive pay is positioned as strongly performance-based: 83% of the CEO’s and 70% of other named executives’ target compensation is at risk, with a significant long‑term equity component. For 2025, net income available to common shareholders was approximately $642 million, 22% above budget, leading to annual incentives at 122% of target. Shareholders previously supported the pay program, with over 96% approval in the 2025 say‑on‑pay vote.
CULLEN/FROST BANKERS, INC. director Crawford H. Edwards reported a bona fide gift of 750 shares of common stock on March 9, 2026, with no sale proceeds.
After this gift, he holds 50,732 shares directly, 76,617 shares through the Crawford Hearne Edwards 2012 Irrevocable Trust, and 53,617 shares as trustee for his sister’s 2012 irrevocable trust.
CULLEN/FROST BANKERS, INC. Group EVP and General Counsel Coolidge E. Rhodes Jr. reported an adjustment related to a previously disclosed stock sale. The filing shows a rescission of a prior sale of 700 shares of common stock and a new sale of the same 700 shares at $127.00 per share on March 6, 2026, following a broker error involving a missed Rule 144(h) notice. After these transactions, he held 5,310 shares directly and 790.22 shares indirectly through a 401(k) plan.
Cullen/Frost Bankers, Inc. filed an amended report to furnish an updated investor presentation as of December 31, 2025, replacing a prior version to expand technology strategy detail, refresh peer data, and correct certain items. The presentation highlights a Texas-focused franchise with $53.0 billion in total assets, $21.9 billion in loans, and $42.9 billion in deposits. It notes 32 consecutive years of dividend increases, reaching $3.95 per share in 2025, strong capital ratios including a 14.06% common equity Tier 1 ratio, and a conservative loan-to-deposit ratio of 50.3%. Management emphasizes a long-term organic expansion strategy across key Texas markets, supported by ongoing digital modernization and a diversified loan and fee-income mix.
Cullen/Frost Bankers, Inc. Chairman and CEO Phillip D. Green reported a transfer of 912 shares of common stock on 02/10/2026, coded "G" at a reported price of $0 per share. After this transaction, he directly beneficially owns 110,879 common shares.
He also reports indirect ownership of 1,100 shares through his spouse, 373.04 shares through a 401(k) plan, and 38,865 shares held in trusts for his children, where he serves as trustee and his children are beneficiaries.
Cullen/Frost Bankers, Inc. filed an 8-K to furnish an investor presentation dated December 31, 2025, highlighting its Texas-focused banking franchise and long-term performance. The company reported market capitalization of $8.1 billion, total assets of $53.0 billion, total loans of $21.9 billion and total deposits of $42.9 billion.
The presentation emphasizes a relationship-banking model, 32 consecutive years of dividend increases to $3.95 per share in 2025, and diversified revenues, with non-interest income making up 22.4% of total revenue. Management underscores conservative credit culture, strong capital ratios such as a 14.06% Common Equity Tier 1 ratio, and a primarily deposit-funded balance sheet with a 50.3% loan-to-deposit ratio.
Cullen/Frost details an organic expansion strategy across major Texas markets, noting a 51% increase in branches since 2018, expansion loans of $2.4 billion and deposits of $3.0 billion as of December 31, 2025. The bank highlights attractive Texas demographics, technology investments, and a high-quality securities and municipal bond portfolio supporting liquidity and earnings.
Cullen/Frost Bankers, Inc. director Marsha McCombs Shields filed an initial ownership report showing no beneficial ownership of the company’s common stock. The Form 3 indicates she is a director of Cullen/Frost and that she holds 0 shares of common stock directly following the reporting date.
Cullen/Frost Bankers, Inc. executive Annette M. Alonzo, GEVP Chief HR Officer, reported stock transactions in common shares. On February 5, 2026, she acquired 1,638 shares at $0, representing shares earned from performance stock units granted in October 2022 for a three-year performance period ending December 31, 2025.
On the same date, she disposed of 690 shares at $143.6 per share. After these transactions, she directly owned 20,131 common shares, which include 134 shares acquired through the company’s Thrift Stock Plan, and indirectly held 15,800.948 shares through a 401(k) plan.
Cullen/Frost Bankers executive Bobby Berman reported routine stock transactions. On February 5, 2026, he acquired 1,293 shares of common stock at $0, representing shares earned from performance stock units for a three-year period ending December 31, 2025.
On the same date, he disposed of 549 shares at $143.6 per share, leaving 29,150 shares of common stock held directly. He also beneficially owns 19,130.724 shares indirectly through a 401(k) plan.