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 (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) disclosed a Form 4 for an officer (GEVP Chief Consumer Banking) reflecting restricted stock unit activity and related tax withholding.
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.
Cullen/Frost Bankers, Inc. (CFR) reported an insider equity transaction by Coolidge E. Rhodes, Jr., Group EVP, General Counsel/Secretary. On 10/25/2025, 2,097 restricted stock units converted into common stock (code M) at $0, reflecting settlement of awards that cliff vested three years from the 10/25/2022 grant.
The filer disposed of 825 shares at $124.86 (code F), typically for tax withholding. Following these transactions, beneficial ownership was 4,495 shares direct and 733.933 shares indirect through a 401(k) plan.
Cullen/Frost Bankers (CFR) reported an insider equity change by officer Ericka L. Pullin (GEVP, Culture & People Dev.) on 10/25/2025. 384 shares of common stock were acquired at $0 upon the vesting and settlement of restricted stock units, and 93 shares were disposed of at $124.86 under code F, typically for tax withholding. Following these transactions, she held 2,024.749 shares directly and 3,900.817 shares indirectly through a 401(k) plan.
Cullen/Frost Bankers (CFR) reported an insider equity change by its GEVP Chief Credit Officer. On 10/25/2025, the officer converted 1,073 restricted stock units into common stock (code M, price $0) and recorded a disposition of 422 shares (code F) at $124.86 per share. Following these transactions, the officer held 3,621 shares directly and 3,562.368 shares indirectly through a 401(k) plan. The RSUs cliff vested three years from the 10/25/2022 grant date.
Cullen/Frost Bankers (CFR) reported an insider equity transaction by its Chief Accounting Officer. On 10/25/2025, 419 shares of common stock were acquired at $0 upon settlement of restricted stock units, followed the same day by a tax withholding transaction of 102 shares at $124.86. After these events, 317 common shares were held directly. The reporting person also held 5,545 depositary shares and 6,305.549 common shares indirectly through a 401(k) plan. The RSUs were granted on 10/25/2022 and cliff vested after three years.