CULLEN/FROST BANKERS, INC. (CFR-PB)

AI-Powered SEC Filing Analysis

Quarterly Report Filed: 2026-04-30

Key Insights

  • Filing metadata shows Q1 2026 10-Q for Cullen/Frost Bankers with period ending March 31, 2026, filed April 30, 2026, indicating timely regulatory compliance
  • Series B Preferred Stock is actively tracked alongside common stock across multiple reporting periods, suggesting capital structure management and potential shareholder communication focus
  • Extensive municipal securities portfolio breakdown by credit rating (Moody's Aaa, Aa1, A ratings) and guarantee types indicates diversified fixed-income holdings with emphasis on investment-grade quality
Current Report Filed: 2026-04-30

Key Insights

  • Cullen/Frost Bankers filed an 8-K on April 30, 2026 to disclose Q1 2026 financial results for the quarter ended March 31, 2026, with full details referenced in the attached press release (Exhibit 99.1).
  • The filing was signed by Daniel J. Geddes, Group Executive Vice President and Chief Financial Officer, indicating this is a routine quarterly earnings announcement rather than a material corporate event.
  • The company has two classes of securities trading on NYSE: common stock (CFR) and Series B Preferred Stock depositary shares (CFR.PrB), suggesting a diversified capital structure with preferred equity component.
Current Report Filed: 2026-04-29

Key Insights

  • All 14 director nominees were elected with strong shareholder support, with vote-for percentages ranging from 94.4% to 96.8%, indicating solid confidence in board leadership and governance.
  • Executive compensation received nonbinding approval from 97.1% of voting shareholders, suggesting alignment between management pay practices and shareholder interests with minimal dissent.
  • Ernst & Young LLP was ratified as independent auditors with 97.9% shareholder approval, demonstrating strong confidence in the company's audit and financial reporting processes.
Insider Trading Filed: 2026-03-16

Key Insights

  • The reporting person, Crawford H. Edwards, is a director of CULLEN/FROST BANKERS, INC. (CFR), and has significant indirect beneficial ownership of the company's common stock through trusts.
  • Edwards disposed of 750 shares of CFR common stock on March 9, 2026, reducing his direct beneficial ownership to 50,732 shares.
  • Edwards continues to hold substantial indirect beneficial ownership of CFR shares through trusts, with a total of 76,617 shares held in the Crawford Hearne Edwards 2012 Irrevocable Trust and 53,617 shares held as trustee for his sister's trust.
Insider Trading Filed: 2026-03-06

Key Insights

  • The reporting person, Coolidge E. Rhodes, Jr., rescinded a previously reported sale of 700 shares of CULLEN/FROST BANKERS, INC. (CFR) common stock due to a broker's error in failing to timely file a Notice of Proposed Sale under Rule 144(h).
  • Following the rescission, Rhodes' direct beneficial ownership of CULLEN/FROST BANKERS, INC. (CFR) common stock increased from 4,610 shares to 5,310 shares.
  • The rescission and subsequent sale of the same number of shares at the same price suggest the reporting person's continued confidence in the company and do not indicate any significant change in his investment strategy.
Insider Trading Filed: 2026-02-11

Key Insights

  • Phillip D. Green, the Chairman and CEO of Cullen/Frost Bankers, Inc., reported disposing of 912 shares of common stock on February 10, 2026.
  • Green continues to hold a significant beneficial ownership in the company, with 110,879 shares held directly and additional shares held indirectly through his spouse, 401(k) plan, and trusts for his children.
  • The transaction appears to be a routine sale and does not indicate any major changes in Green's ownership or control of the company.
Current Report Filed: 2026-02-11

Key Insights

  • Cullen/Frost Bankers, Inc. has posted an investor presentation dated as of December 31, 2025 on its website, providing an update on the company's financial performance and strategic initiatives.
  • The company's common stock and preferred stock series B are both listed on the New York Stock Exchange, indicating the company's publicly traded status.
  • The filing includes standard forward-looking statements and risk disclosures, referencing the company's most recent Annual Report on Form 10-K filed on February 5, 2026.
Insider Trading Filed: 2026-02-09

Key Insights

  • The reporting person, Paul Bracher, who is the President of Cullen/Frost Bankers, Inc., acquired 2,299 shares of common stock and disposed of 940 shares on February 5, 2026.
  • The reporting person's total direct beneficial ownership of Cullen/Frost Bankers, Inc. common stock increased to 108,679 shares, excluding 51,400.047 shares held indirectly through the 401(k) plan.
  • The transaction was related to the vesting of performance stock units granted in 2022, which were approved by the Compensation & Benefits Committee on February 5, 2026.
Insider Trading Filed: 2026-02-09

Key Insights

  • Annette M. Alonzo, the GEVP and Chief HR Officer, acquired 1,638 shares of Cullen/Frost Bankers, Inc. common stock through a performance stock unit grant, indicating confidence in the company's future performance.
  • Alonzo also disposed of 690 shares of Cullen/Frost Bankers, Inc. common stock, potentially for personal reasons or to rebalance her portfolio.
  • Alonzo holds a significant stake of 15,800.948 shares in Cullen/Frost Bankers, Inc. through the company's 401(k) plan, demonstrating her long-term commitment to the organization.
Insider Trading Filed: 2026-02-09

Key Insights

  • The reporting person, Bobby Berman, acquired 1,293 shares of Cullen/Frost Bankers, Inc. common stock and disposed of 549 shares, resulting in a net increase in his direct ownership position.
  • Berman also holds an indirect ownership of 19,130.724 shares through the company's 401(k) plan.
  • The transactions were approved by the Compensation & Benefits Committee of the Board of Directors as part of a performance stock unit grant for the three-year period ending December 31, 2025.
Insider Trading Filed: 2026-02-09

Key Insights

  • Phillip D. Green, the Chairman and CEO of Cullen/Frost Bankers, Inc. (CFR), acquired 9,124 shares of the company's common stock on February 5, 2026, likely as part of a performance-based stock unit award.
  • Green also sold 3,601 shares of the company's common stock on the same date, suggesting some diversification of his holdings.
  • Green's total beneficial ownership in the company stands at 151,130 shares, indicating his continued commitment to and alignment with Cullen/Frost Bankers.
Insider Trading Filed: 2026-02-09

Key Insights

  • The reporting person, Howard L. Kasanoff, is a GEVP and Chief Credit Officer at Cullen/Frost Bankers, Inc. (CFR).
  • Kasanoff acquired 882 shares of CFR common stock on 02/05/2026 as part of a performance stock unit grant, and disposed of 393 shares on the same date.
  • Kasanoff holds a total of 4,605 shares of CFR common stock directly, as well as an additional 3,608.605 shares through the company's 401(k) plan.
Insider Trading Filed: 2026-02-09

Key Insights

  • The reporting person, Coolidge E. Rhodes Jr., acquired 1,724 shares of Cullen/Frost Bankers, Inc. common stock on February 5, 2026 as a result of earned performance stock units.
  • The reporting person also disposed of 716 shares of Cullen/Frost Bankers, Inc. common stock on the same date, likely for liquidity or personal financial purposes.
  • The reporting person maintains a significant direct ownership position in Cullen/Frost Bankers, Inc. common stock, with 4,610 shares held directly and an additional 765.644 shares held indirectly through a 401(k) plan.
Insider Trading Filed: 2026-02-09

Key Insights

  • The reporting person, Carol Jean Severyn, acquired 1,681 shares of Cullen/Frost Bankers, Inc. common stock on 02/05/2026 as part of a performance stock unit award.
  • The reporting person also disposed of 700 shares of Cullen/Frost Bankers, Inc. common stock on 02/05/2026 at a price of $143.6 per share.
  • The reporting person continues to hold a significant direct ownership stake in Cullen/Frost Bankers, Inc. of 13,549 shares, as well as an indirect ownership of 9,224.672 shares through the company's 401(k) plan.
Insider Trading Filed: 2026-02-09

Key Insights

  • Insider Jimmy Stead, a GEVP and Chief Consumer Banking officer, acquired 2,155 shares of Cullen/Frost Bankers, Inc. (CFR) through performance stock units and disposed of 885 shares.
  • Stead's net acquisition of 1,270 shares suggests he is bullish on the company's future performance, as the shares were awarded based on achieving multi-year targets.
  • Stead also holds an additional 3,954.828 shares through the company's 401(k) plan, indicating he has a significant long-term stake in Cullen/Frost Bankers.
Annual Report Filed: 2026-02-05

Key Insights

  • CULLEN/FROST BANKERS, INC. (CFR) reported a consistent increase in loans receivable over the past 3 years, indicating growing loan demand and potential revenue growth.
  • The company has maintained a stable capital structure with minimal changes in preferred and common stock, additional paid-in capital, and retained earnings over the past 3 years.
  • The company's investment portfolio shows a focus on high-quality securities, with a large portion in AAA/AA-rated municipal bonds and mortgage-backed securities, suggesting a conservative risk profile.
Insider Trading Filed: 2026-02-02

Key Insights

  • The reporting person, Bobby Berman, sold 1,000 shares of CULLEN/FROST BANKERS, INC. (CFR) common stock at $137.07 per share, reducing their direct beneficial ownership to 28,406 shares.
  • The sale was made on January 30, 2026, and represents a routine transaction for the reporting person, who holds the position of GEVP Research & Strategy at the company.
  • The reporting person's ownership of 28,406 shares, including 166 shares acquired through the Thrift Stock Plan, suggests they maintain a significant stake in the company.
Current Report Filed: 2026-01-30

Key Insights

  • Cullen/Frost Bankers has appointed Marsha M. Shields and Jeffrey M. Rummel to its Board of Directors, expanding the board from 13 to 15 members. This suggests the company is strengthening its governance and expertise in the financial services industry.
  • The incoming directors, Shields and Rummel, have significant experience in the banking and financial services sectors, which could provide valuable insights and oversight as Cullen/Frost navigates the evolving industry landscape.
  • Dr. Chris Avery's decision to retire from the Board signals a transition in the company's leadership, which investors should monitor for any potential strategic shifts or changes in the company's direction.
Current Report Filed: 2026-01-29

Key Insights

  • Cullen/Frost Bankers, Inc. reported its financial results for the quarter and year ended December 31, 2025, providing investors with an update on the company's performance.
  • The press release indicates that the company's results were released on January 29, 2026, suggesting the report was timely and in line with regulatory requirements.
  • The filing also mentions that the company's common and preferred stock are traded on the New York Stock Exchange, providing investors with information about the company's publicly traded securities.

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Important Information

AI-generated analysis is for informational purposes only. Always read original SEC filings and consult with qualified professionals before making investment decisions.