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.
The Cullen/Frost Bankers, Inc. (NYSE: CFR) SEC filings page on Stock Titan provides streamlined access to the company’s regulatory disclosures as a Texas-based financial holding company. Cullen/Frost, through its Frost Bank subsidiary, is one of the 50 largest U.S. banks, and its filings offer detailed insight into capital, credit quality, earnings drivers and governance.
Investors can use this page to monitor annual reports on Form 10-K and quarterly reports on Form 10-Q, which discuss net interest income, non-interest income categories, loan and deposit trends, credit loss expense, non-accrual loans and allowance for credit losses. These filings also describe regulatory capital ratios, including Common Equity Tier 1, Tier 1 and Total Risk-Based Capital ratios, which Cullen/Frost reports as exceeding well-capitalized levels and Basel III minimum requirements in its earnings materials.
Current reports on Form 8-K appear here as they are filed, covering items such as quarterly earnings press releases, investor presentations and other material events. Recent 8-K filings have attached earnings releases and investor slide decks, and have reaffirmed that Cullen/Frost common stock and its Series B preferred depositary shares trade on the New York Stock Exchange under the symbols CFR and CFR.PrB.
Stock Titan enhances these documents with AI-powered summaries that highlight key points from lengthy filings, helping users quickly understand changes in credit metrics, capital ratios, non-interest income composition and board actions on dividends or share repurchases. Real-time updates from the SEC’s EDGAR system ensure that new filings, including any Form 4 insider transaction reports or proxy-related disclosures, are added as they become available.
By combining raw SEC documents with AI-generated explanations, this page helps readers interpret Cullen/Frost’s regulatory reporting, assess its Texas-focused banking operations and follow developments in its capital and risk profile without having to parse every line of each filing manually.
Cullen/Frost Bankers, Inc. (CFR) reported an insider equity award. The company’s Chief Accounting Officer received 730 restricted stock units (RSUs) on 10/28/2025. Each RSU represents the right to receive one share of Cullen/Frost common stock. The award cliff vests three years from the date of grant. Following the transaction, the reporting person held 730 derivative securities directly.
Cullen/Frost Bankers (CFR) reported an insider equity award. Chairman and CEO Phillip D. Green received 24,343 restricted stock units on 10/28/2025. Each RSU represents one share of common stock and the award cliff vests three years from the grant date. The filing lists 24,343 derivative securities beneficially owned directly at grant and a price of $0, indicating an equity grant rather than an open-market purchase.
Cullen/Frost Bankers, Inc. (CFR) reported an insider equity grant. The company’s GEVP & Chief Financial Officer acquired 3,956 restricted stock units on 10/28/2025, as disclosed on a Form 4.
Each RSU represents one share of common stock and cliff vests three years from the grant date. Following the transaction, 3,956 derivative securities (RSUs) were beneficially owned, with ownership reported as Direct. No open‑market purchases or sales were reported in the non-derivative table.
Cullen/Frost Bankers, Inc. (CFR)3,347 restricted stock units (RSUs) on 10/28/2025 on a Form 4, coded “A”. Each RSU represents the right to receive one share of Cullen/Frost common stock.
The RSUs carry a three-year cliff vest from the grant date. The filing lists a $0 price for the derivative security and shows 3,347 derivative securities beneficially owned directly after the transaction.
Cullen/Frost Bankers (CFR) reported that its President, Paul Bracher, received 5,781 restricted stock units (RSUs) on 10/28/2025 via a Form 4 filing. Each RSU represents one share of common stock and the award was granted at $0. The RSUs cliff vest three years from the grant date. After the transaction, 5,781 derivative securities were beneficially owned directly.
Cullen/Frost Bankers (CFR) reported an insider equity grant. Officer Annette M. Alonzo (GEVP Chief HR Officer) received 4,260 restricted stock units on 10/28/2025, reported on Form 4 with code A.
Each RSU represents one share of common stock and will cliff vest three years from the grant date. The RSUs were reported at a price of $0 and are held as direct ownership.
Cullen/Frost Bankers (CFR) reported stronger Q3 2025 results. Net income rose to $174.4 million from $146.5 million a year ago, and diluted EPS increased to $2.67 from $2.24. Net interest income improved to $441.6 million from $404.3 million as total interest income reached $620.1 million and interest expense declined to $178.5 million. Credit loss expense eased to $6.8 million from $19.4 million, while non-interest income grew to $125.6 million and non-interest expense increased to $352.5 million.
On the balance sheet, net loans were $21.17 billion versus $20.48 billion at year-end, and total deposits were $42.52 billion versus $42.72 billion. Available-for-sale securities at fair value were $16.88 billion, contributing to other comprehensive income of $216.1 million in the quarter and lifting accumulated other comprehensive loss to $(924.4) million from $(1,252.0) million. Shareholders’ equity increased to $4.46 billion. Cash and cash equivalents were $7.94 billion. The company repurchased 549,526 shares for $69.8 million and paid a $1.00 common dividend per share; preferred dividends were $1.668 million. As of October 27, 2025, common shares outstanding were 63,941,101.
Cullen/Frost Bankers, Inc. furnished an 8-K announcing it issued a press release covering financial results for the quarter ended September 30, 2025. The press release is attached as Exhibit 99.1 and incorporated by reference into Item 2.02.
The company notes the information provided under Item 2.02 is furnished and not deemed filed under the Exchange Act. Additional exhibits include the cover page Inline XBRL data (Exhibit 104).
Cullen/Frost Bankers, Inc. (CFR)
On 10/25/2025, 2,621 shares of common stock were acquired at $0 upon RSU vesting (Code M). Also on 10/25/2025, 1,031 shares were disposed of at $124.86 (Code F). Following these transactions, the officer held 16,608 shares directly and 3,897.927 shares indirectly through a 401(k) plan.
The filing notes each RSU equals one share and the award cliff vested three years from the grant date of 10/25/2022. The derivative balance related to this RSU award was reduced to 0 after settlement.
Cullen/Frost Bankers (CFR) reported an insider equity transaction. On 10/25/2025, GEVP and Chief Risk Officer Carol J. Severyn settled 2,045 restricted stock units into common stock (code M) at $0, and 804 shares were withheld for taxes (code F) at $124.86 per share. Following these transactions, she directly holds 12,342 shares. She also has 9,201.46 shares through the company 401(k) plan.