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 insider sale: Carol J. Severyn, GEVP and Chief Risk Officer, sold 1,000 shares of Cullen/Frost common stock on 08/22/2025 for $0 reported price and now beneficially owns 11,101 shares directly plus 9,201 shares indirectly through a 401(k) plan. The Form 4 was signed under power of attorney on 08/25/2025.
Aristotle Capital Management, LLC reports beneficial ownership of 5,598,812 shares of Cullen/Frost Bankers common stock, representing 8.7% of the class. Aristotle is organized in California and is classified as an investment adviser (IA). The filing shows Aristotle holds sole voting and sole dispositive power for all 5,598,812 shares. Those shares are owned by various investment advisory clients, and Aristotle is deemed a beneficial owner because it has discretionary authority to vote or dispose of the shares on their behalf. The filer certifies the holdings are maintained in the ordinary course of business and not for the purpose of changing or influencing control.
Cullen/Frost Bankers (CFR) posted solid YoY earnings growth for Q2-25. Net income rose 7.9% to $157.0 mm, driving diluted EPS to $2.39 versus $2.21. Net interest income advanced 8.3% to $429.6 mm as interest expense fell 13.6% to $172.4 mm, offsetting modest loan growth (+2.4% since 12-24 to $21.25 bn) and a 12 bp increase in the credit-loss provision to $13.1 mm. Non-interest income improved 5.5% to $117.3 mm on higher trust, service-charge and insurance fees.
Balance-sheet trends were mixed. Total assets slipped 2.1% since year-end to $51.4 bn, driven by a $3.1 bn draw-down in cash and deposits as excess liquidity was redeployed into AFS securities (+$1.6 bn). Deposits declined 2.4% to $41.68 bn, while repurchase agreements edged up to $4.42 bn. Shareholders’ equity strengthened 7.8% to $4.20 bn as retained earnings grew and AOCI improved by $111.5 mm; nonetheless, unrealized losses on AFS securities remain sizeable at $1.45 bn. The allowance for credit losses on loans stands at 1.31% of loans ($277.8 mm).
Operating efficiency tightened. Non-interest expense increased 9.5% YoY to $347.1 mm, led by wage, technology and benefit costs, pressuring the expense ratio. YTD cash flow was negative $3.1 bn, reflecting heavy securities purchases ($8.3 bn) and a $1.0 bn deposit outflow, partly funded by sale maturities and repo growth. CFR paid $1.00/sh common dividend in Q2 and $1.95/sh YTD, plus $3.3 mm preferred dividends.
Cullen/Frost Bankers, Inc. (CFR) filed a Form 13F-HR for the quarter ended 30 Jun 2025.
The filing is a full 13F Holdings Report, disclosing 1,298 equity positions with an aggregate market value of $7.98 billion (rounded). The parent reports on behalf of three affiliated managers: Frost Bank-FWA, Frost Investment Advisors, and Frost Investment Services. No amendment or restatement flags were marked.
The document was signed by Group Executive VP & General Counsel Coolidge E. Rhodes, Jr. on 29 Jul 2025, certifying the accuracy of the submission. Detailed position-level data are not included in the excerpt.