{"filings":[{"id":2287356,"accession_number":"0000039263-26-000049","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2026-08-17T14:39:05+00:00","items":["7.01","9.01"],"status":"ready","headline":"Cullen/Frost posts June 30, 2026 investor presentation; no financials disclosed in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Investor presentation dated June 30, 2026 posted on investor.frostbank.com.","Presentation features Chairman/CEO Phillip D. Green and CFO Daniel Geddes.","8-K text and exhibit contain no specific financial figures, guidance, or operational updates.","Presentation content not reproduced in filing; investors must access website for details."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1951996,"accession_number":"0000039263-26-000045","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2026-07-30T13:30:23+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q2 EPS $2.70, up 13% YoY; loans +7.4%, deposits +2.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders $170.4M ($2.70 diluted EPS) vs $155.3M ($2.39) a year ago.","Net interest income (taxable-equivalent) $470.1M, up 4.3% YoY; net interest margin 3.75% vs 3.67%.","Average loans $22.6B (+7.4% YoY); average deposits $42.6B (+2.1% YoY).","Board declared Q3 common dividend $1.03/share, payable Sept 15 to holders of record Aug 31.","Repurchased 654,955 shares for $90M in Q2; $140M remaining under $300M authorization."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98110,"accession_number":"0000039263-26-000033","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2026-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost reports Q1 EPS $2.65, up from $2.30 YoY; raises dividend 3% to $1.03","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders $169.3M (+13.4% YoY); diluted EPS $2.65 vs $2.30.","Net interest income (taxable-equivalent) $460.8M, up 5.6% YoY; NIM 3.74% vs 3.60%.","Average loans $22.0B (+5.9% YoY); average deposits $42.2B (+1.4% YoY).","Quarterly common dividend raised 3% to $1.03, payable June 15, 2026 to holders of record May 29.","Repurchased 507,753 shares for $70M in Q1; $230M remaining under $300M authorization expiring Jan 2027."],"consensus_eps_estimate":null,"consensus_eps_actual":2.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":574837000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98109,"accession_number":"0000039263-26-000031","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Cullen/Frost shareholders elect all 14 director nominees, approve say-on-pay and auditor ratification","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 14 director nominees elected with 50.4M–52.2M votes for each.","Nonbinding advisory vote on executive compensation approved with 50,928,898 votes for.","Ratification of Ernst & Young as independent auditor approved with 57,710,536 votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113383,"accession_number":"0000039263-26-000016","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K/A","filed_at":"2026-03-03T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Cullen/Frost files 8-K/A to replace investor presentation with Dec. 31, 2025 update","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Updated presentation adds details on technology strategy, refreshes peer data, and corrects prior items.","No new financial results or guidance disclosed in the amended filing or exhibit text.","Amendment does not contain earnings, M&A, leadership changes, or other material events."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113386,"accession_number":"0000039263-26-000014","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2026-02-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Cullen/Frost posts Q4 2025 investor presentation; details not available","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation dated December 31, 2025 features CEO Phillip D. Green and CFO Dan Geddes.","Exhibit 99.1 is an investor presentation; no specific financial data included in the 8-K text.","Actual financial results from the presentation are not visible in the excerpt provided.","Filing under Regulation FD Disclosure; content not available for full analysis."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113385,"accession_number":"0000039263-26-000007","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Cullen/Frost adds Shields & Rummel to board; Avery to retire at 2026 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Dr. Chris Avery will retire from the board when his term expires at the April 29, 2026 annual meeting.","Marsha M. Shields, CEO of McCombs Enterprises, elected director effective immediately.","Jeffrey M. Rummel, former EY San Antonio managing partner, elected director effective immediately.","Board size expanded from 13 to 15 members.","Shields and Rummel will serve on Audit and Risk Committees; both deemed independent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113384,"accession_number":"0000039263-26-000004","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q4 2025 EPS $2.56, up 7.4% YoY; board approves $300M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $164.6M ($2.56 diluted EPS) vs $153.2M ($2.36) a year ago, up 7.4%.","Full-year 2025 diluted EPS $9.92 vs $8.87 in 2024; net interest margin 3.66% vs 3.53%.","Average loans rose 6.5% YoY to $21.7B; average deposits up 3.5% to $43.3B.","Board declared $1.00/share dividend (payable 3/13/26) and approved new $300M share repurchase through 1/27/27.","Net charge-offs $5.8M in Q4; non-accrual loans $70.5M, up from $44.8M in Q3; ACL/loans 1.29%."],"consensus_eps_estimate":null,"consensus_eps_actual":9.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":2235244000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":129768,"accession_number":"0000039263-25-000113","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q3 EPS $2.67 vs $2.24 YoY; net income $172.7M up 19%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net interest income rose 9.1% to $463.7M; avg loans grew 6.8% to $21.5B, avg deposits up 3.3% to $42.1B.","Non-interest income increased 10.5% to $125.6M; trust fees up 9.3%, service charges up 14.7%.","Credit loss expense improved to $6.8M from $19.4M; net charge-offs $6.6M; non-accrual loans fell to $44.8M.","Total risk-based capital ratio 16.04%; net interest margin 3.69% vs 3.56% a year ago.","Board declared Q4 dividend $1.00 per common share, payable Dec 15 to holders of record Nov 28."],"consensus_eps_estimate":null,"consensus_eps_actual":7.36,"consensus_revenue_estimate":null,"consensus_revenue_actual":1654373000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146358,"accession_number":"0000039263-25-000106","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2025-09-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Cullen/Frost posts June 30, 2025 investor presentation; no financial specifics disclosed","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Investor presentation posted on investor.frostbank.com; covers Q2 2025 period end.","Presentation features CEO Phillip D. Green and CFO Daniel Geddes.","No quantitative financial updates or guidance changes included in the 8-K filing.","Company notes forward-looking statement disclaimers and risk factors from recent 10-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146357,"accession_number":"0000039263-25-000099","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2025-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q2 net income $155.3M ($2.39 EPS), up 8% YoY; loans +7.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $155.3M, diluted EPS $2.39 vs $2.21 year ago; ROAA 1.22%, ROACE 15.64%.","Net interest income (tax-equiv) $450.6M, +7.9% YoY; net interest margin 3.67%.","Average loans $21.1B (+7.2% YoY); average deposits $41.8B (+3.1%) despite seasonal weakness.","Credit loss expense $13.1M; non-accrual loans dropped to $62.4M from $83.5M prior quarter.","Board declared $1.00/common dividend payable Sept 15, 2025 to holders of record Aug 29."],"consensus_eps_estimate":null,"consensus_eps_actual":4.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":1087108000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164714,"accession_number":"0000039263-25-000056","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q1 EPS $2.30 vs $2.06 YoY; raises quarterly dividend 5.3% to $1.00","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common: $149.3M, up from $134.0M a year ago.","Diluted EPS of $2.30, compared to $2.06 in Q1 2024; ROAA 1.19%, ROACE 15.54%.","Net interest income (tax-equiv) $436.4M, +6.1% YoY; net interest margin 3.60% vs 3.48%.","Average loans grew 8.8% YoY to $20.8B; average deposits up 2.3% to $41.7B.","Board declared Q2 common dividend of $1.00/share, payable June 13 to holders of record May 30."],"consensus_eps_estimate":null,"consensus_eps_actual":2.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":540231000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164713,"accession_number":"0000039263-25-000054","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Cullen/Frost Bankers shareholders approve all proposals at 2025 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 13 director nominees were elected; John T. Engates received the most votes (53,172,826 for).","Nonbinding say-on-pay resolution passed with 50,909,698 votes in favor versus 1,782,930 against.","Ratification of Ernst & Young as independent auditor for 2025 passed with 57,692,473 votes for.","Annual meeting held on April 30, 2025; all three proposals received majority support."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182436,"accession_number":"0000039263-25-000039","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2025-02-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Cullen/Frost posts Q4 2024 investor presentation; no new financial details in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Company posted an investor presentation dated December 31, 2024 on its investor website.","Presentation furnished as Exhibit 99.1; no specific financial results or guidance included in the filing text.","Filing references prior 10-K filed February 6, 2025 for risk factors and forward-looking statements.","No material changes to previously reported financials or outlook disclosed in this 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182435,"accession_number":"0000039263-25-000007","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q4 net income $153.2M, EPS $2.36; declares $0.95 dividend and $150M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income available to common shareholders $153.2M, up from $100.9M a year ago (includes $51.5M FDIC surcharge in Q4 2023); diluted EPS $2.36 vs $1.55.","Excluding FDIC surcharge, Q4 EPS increased 8.3% to $2.36 vs $2.18 year ago; full-year 2024 EPS $8.87 vs $9.10 in 2023.","Net interest income (tax-equivalent) $433.7M, up 5.8% YoY; net interest margin 3.53% vs 3.41% a year ago.","Average loans $20.3B, up 9.3% YoY; average deposits $41.9B, up 1.7% YoY; non-accrual loans $78.9M vs $60.9M year-end 2023.","Board declared $0.95/share cash dividend (payable March 14, 2025) and approved $150M share repurchase program through Jan 28, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":8.87,"consensus_revenue_estimate":null,"consensus_revenue_actual":2063710000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199052,"accession_number":"0000039263-24-000072","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K/A","filed_at":"2024-11-01T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Cullen/Frost Bankers announces CFO Dan Geddes' compensation; base salary $500k, equity grant $500k","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Dan Geddes appointed Group EVP and CFO effective Jan 1, 2025; annual base salary $500,000.","Target cash bonus set at 80% of base salary under performance-based incentive plan.","Annual LTI target 100% of base: 75% time-based RSUs (3-year cliff vest), 25% performance-based PSUs (3-year period).","Received an equity grant valued at $500,000 on Oct 29, 2024.","Eligible for Change in Control Severance Plan and standard executive benefits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199053,"accession_number":"0000039263-24-000067","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-10-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q3 2024 EPS falls to $2.24 from $2.38 YoY; net interest income up 4.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $144.8M, down from $154.0M YoY; diluted EPS $2.24 vs $2.38.","Net interest income (tax-equiv) $425.2M, up 4.4% YoY; net interest margin 3.56%.","Average loans $20.1B, up 11.8% YoY; average deposits $40.7B, down 0.2% YoY.","Non-accrual loans $104.9M vs $67.2M YoY; credit loss expense $19.4M vs $11.2M.","Quarterly dividend declared $0.95 per common share, payable Dec 13, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":6.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":1527368000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215092,"accession_number":"0000039263-24-000065","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-08-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Cullen/Frost posts investor presentation for June 30, 2024; no earnings or guidance disclosed","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Investor presentation posted on company website; covers period ended June 30, 2024.","Filing contains no specific financial results, guidance changes, or material events.","Actual presentation content not appended; unable to extract specific data from this filing.","Standard quarterly update; no unexpected developments reported."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215091,"accession_number":"0000039263-24-000055","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q2 2024 EPS $2.21 down from $2.47 YoY; board raises dividend 3.3% to $0.95","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $143.8M ($2.21 diluted EPS) vs $160.4M ($2.47) a year ago.","Average loans up 11.3% YoY to $19.7B; net interest margin expanded to 3.54% from 3.45% YoY.","Non-interest expense rose 11.2% to $317.0M, driven by higher salaries and technology costs.","Quarterly common dividend raised 3.3% to $0.95 per share; payable Sept 13, 2024 to holders of record Aug 30.","Non-accrual loans increased to $75.0M; credit loss expense $15.8M vs $9.9M in Q2 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":4.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":1009330000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215090,"accession_number":"0000039263-24-000051","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["5.02","7.01"],"status":"ready","headline":"Cullen/Frost CFO Jerry Salinas to retire Dec 31; Dan Geddes named CFO, Matt Henson CAO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jerry Salinas, group EVP & CFO, to retire Dec 31, 2024, after 38 years at Frost.","Dan Geddes, currently San Antonio Region President, appointed CFO effective Jan 1, 2025.","Clay Jones named new San Antonio Region President, effective immediately.","Matt Henson appointed Chief Accounting Officer effective Jan 1, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234336,"accession_number":"0000039263-24-000041","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Cullen/Frost shareholders approve 2024 Equity Incentive Plan, re-elect all 12 directors, ratify EY as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 director nominees elected with substantial majority; no vacancies created.","Non-binding say-on-pay approved: 53.1M for, 1.15M against.","2024 Equity Incentive Plan approved with 53.3M votes for, 1.0M against.","Ernst & Young LLP ratified as independent auditor for FY2024.","Plan replaces 2015 Omnibus Incentive Plan; terms described in prior proxy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234335,"accession_number":"0000039263-24-000036","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q1 2024 EPS $2.06, down 24% YoY; FDIC assessment hit","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $134.0M ($2.06 diluted EPS) vs $175.2M ($2.70) in Q1 2023; adjusted EPS $2.15 excluding $6.1M FDIC assessment.","Net interest income (tax-equiv) $411.4M, down 3.4% YoY; net interest margin 3.48% vs 3.47% a year ago.","Average loans $19.1B, up 10.4% YoY; average deposits $40.7B, down 4.8% YoY.","Non-interest expense $326.2M, up 14.4% YoY; excluding FDIC assessment, up 11.7%.","Q2 common dividend declared $0.92/share payable June 14; capital ratios well above well-capitalized minimums."],"consensus_eps_estimate":null,"consensus_eps_actual":2.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":501428000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":252235,"accession_number":"0000039263-24-000017","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-02-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Cullen/Frost posts Dec 31, 2023 investor presentation on website","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation posted under Regulation FD; no new financial data disclosed in filing.","Presentation covers company overview and strategy as of December 31, 2023.","Executives featured: Phillip D. Green (Chairman/CEO) and Jerry Salinas (CFO).","No quantitative results, guidance, or material updates provided in the filing text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":252234,"accession_number":"0000039263-24-000005","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-01-26T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Cullen/Frost elects Hope Andrade to board, expanding size to 14 members","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Hope Andrade, former Texas Secretary of State and entrepreneur, elected to board effective Jan. 24, 2024.","Board expanded from 13 to 14 directors; Andrade will serve on Audit and Risk Committees.","Andrade is independent under NYSE and SEC rules; compensation consistent with other non-employee directors.","Her firm Go Rio San Antonio LLC had ordinary-course banking transactions with Cullen/Frost in 2023 and expected in 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":252233,"accession_number":"0000039263-24-000002","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2024-01-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q4 net income $100.9M (adj $141.6M), EPS $1.55; declares $0.92 dividend, $150M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders for Q4 2023 was $100.9M, impacted by $51.5M FDIC surcharge; adjusted net income would be $141.6M.","EPS for Q4 2023 was $1.55 per diluted common share; adjusted EPS would be $2.18, down 25.1% from Q4 2022.","Annual 2023 net income available to common shareholders was $591.3M, up 3.3% from 2022; adjusted $632.0M, up 10.4%.","Board declared $0.92 per common share dividend and approved $150M share repurchase program expiring Jan 24, 2025.","Average loans for Q4 2023 were $18.6B, up 9.1% YoY; average deposits $41.2B, down 8.0% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":9.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":1987206000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":269757,"accession_number":"0000039263-23-000070","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q3 EPS $2.38 vs $2.59 YoY; loans up 6.8%, deposits stabilize","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income to common $154M vs $168.1M in Q3 2022; diluted EPS $2.38 (down 8.1% YoY).","Net interest income (taxable-equiv) $407.4M, up 7.3% YoY; NIM 3.44% vs 3.01% a year ago.","Average loans $18.0B (+6.8% YoY); average deposits $40.8B (-10.9% YoY but -0.4% QoQ).","Non-interest expense rose 13.7% to $293.3M, driven by salary, tech, and marketing investments.","Board declared Q4 cash dividend $0.92 per common share, payable Dec 15 to holders of record Nov 30."],"consensus_eps_estimate":null,"consensus_eps_actual":7.54,"consensus_revenue_estimate":null,"consensus_revenue_actual":1485303000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":286749,"accession_number":"0000039263-23-000063","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2023-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q2 EPS $2.47 beats year ago; dividend raised 5.7% to $0.92","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders $160.4M, up 36.5% YoY; diluted EPS $2.47 vs $1.81.","Net interest income (tax-equiv) $408.6M, up 31.2% YoY; net interest margin 3.45% (2.56% Q2 2022).","Board increases quarterly common dividend 5.7% to $0.92 per share; payable Sep 15, record Aug 31.","Average loans $17.7B (+5.9% YoY); average deposits $41.0B (-8.3% YoY) on rate-driven non-interest bearing deposit declines.","Credit loss expense $9.9M; net charge-offs $9.8M; allowance as % of loans 1.32%."],"consensus_eps_estimate":null,"consensus_eps_actual":5.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":993879000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306689,"accession_number":"0000039263-23-000060","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2023-06-28T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Frost Bank announces major Austin expansion: to double financial centers by 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Expansion will double number of financial centers in Austin region to 34 by 2026.","17 new financial centers planned; first opened in May 2023 in South Austin.","Over 170 new jobs expected in the Austin region; 350 current employees.","Company reports year-to-date net new customer growth up 25% vs prior record.","Frost already ranks fourth in Austin deposit market share with >$5B deposits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306688,"accession_number":"0000039263-23-000041","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2023-04-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q1 net income $176M, EPS $2.70, up 80% YoY; dividend $0.87","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders $176M vs $97.4M YoY; diluted EPS $2.70 (up 80%).","Net interest income (tax-equiv) $425.8M, up 56.4% YoY; net interest margin 3.47% vs 2.33%.","Average loans $17.3B, up 5.7% YoY; average deposits $42.8B, down 0.5% YoY.","Non-interest income $105.3M (+3.8%); non-interest expense $285.1M (+19.4%).","Board declares Q2 dividend $0.87/common share, payable June 15 to holders of record May 31."],"consensus_eps_estimate":null,"consensus_eps_actual":2.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":505085000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306687,"accession_number":"0000039263-23-000038","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2023-04-26T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Cullen/Frost shareholders elect all 13 director nominees, approve say-on-pay annually","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 13 director nominees elected with strong majority support; votes for ranged from 50.8M to 54.5M.","Nonbinding say-on-pay approved with 53.5M votes for (97.8% of votes cast).","Shareholders selected a 1-year frequency for future say-on-pay votes; company will hold annual advisory votes.","Ratification of Ernst & Young as independent auditor for 2023 passed with 59.4M votes for (98.8% of votes cast)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":325793,"accession_number":"0000039263-23-000005","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q4 net income $189.5M, EPS $2.91 up 91% YoY; NIM expands to 3.31%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $2.91 vs $1.54 a year ago; full-year EPS $8.81 vs $6.76 (up 30%).","Net interest income (tax-equivalent) $423.9M, up 60.5%; net interest margin 3.31% vs 2.31%.","Average loans $17.1B (+6.8% YoY); average deposits $44.8B (+9.1% YoY).","Non-interest expense $281.3M (+17.9%) driven by salaries, expansion costs, and a $4M license negotiation accrual.","Board declared $0.87 per common share dividend, unchanged, payable March 15, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":8.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":1696101000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":325792,"accession_number":"0000039263-23-000003","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Cullen/Frost elects Jack Willome to board, effective Jan. 25, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jack Willome appointed to board; serves on Compensation & Benefits, Nominating and Governance, and Risk committees.","Willome was president of Ellison Industries (1979-1996) and previously served on Texas Commerce Bank-San Antonio board.","Board expanded from 12 to 13 members upon Willome's election."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":343544,"accession_number":"0000039263-22-000044","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2022-10-28T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Cullen/Frost awards $2.84M in equity to four executives; Jimmy Stead salary raised to $625k","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jerry Salinas receives LTIP equity award of ~$790,000 grant date fair value.","Paul H. Bracher receives LTIP equity award of ~$800,000 grant date fair value.","Patrick B. Frost receives LTIP equity award of ~$500,000 grant date fair value.","Jimmy Stead receives LTIP equity award of ~$750,000 and base salary increase to $625,000 effective Jan 1, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":343543,"accession_number":"0000039263-22-000039","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2022-10-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q3 2022 EPS $2.59, up 57% YoY; NIM expands to 3.01%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $168.1M ($2.59 diluted EPS) vs $106.3M ($1.65) in Q3 2021, up 57%.","Net interest income (tax-equiv) $379.5M, +40.9% YoY; NIM 3.01% vs 2.47% Q3 2021 and 2.56% Q2 2022.","Average deposits $45.8B (+17.1% YoY); avg loans ex-PPP $16.8B (+13% YoY).","No credit loss expense; net charge-offs $2.9M; non-accrual loans $29.9M, down from $57.1M a year ago.","Board declared Q4 common dividend $0.87/sh, payable Dec 15, 2022 to holders of record Nov 30."],"consensus_eps_estimate":null,"consensus_eps_actual":5.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":1191964000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":343542,"accession_number":"0000039263-22-000037","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2022-10-26T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Cullen/Frost elects Joseph A. Pierce to board, expanding to 12 directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Joseph A. Pierce elected as independent director effective October 26, 2022; board size increased from 11 to 12.","Pierce is Senior Vice President and General Counsel of AMB Sports and Entertainment (Atlanta Falcons, Atlanta United).","He will serve on the Compensation & Benefits, Nominating and Governance, and Technology committees.","His compensation is consistent with other non-employee directors; no related party transactions exist.","Pierce previously held legal roles at Hornets Sports & Entertainment, Bank of America, and Comcast Sports."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":360076,"accession_number":"0000039263-22-000030","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2022-07-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q2 EPS $1.81, dividend raised 16% to $0.87","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $117.4M ($1.81 diluted EPS) vs $116.4M ($1.80) a year ago.","Board raises quarterly common dividend 16% to $0.87, payable Sept 15, record Aug 31.","Net interest income (tax-equivalent) $311.4M, up 11.2% YoY; net interest margin 2.56%.","Average deposits $44.7B (+16.9% YoY); avg loans ex-PPP $16.5B (+13.2% YoY).","No credit loss expense; net charge-offs $2.8M; allowance for credit losses 1.43% of loans."],"consensus_eps_estimate":null,"consensus_eps_actual":3.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":736596000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379002,"accession_number":"0000039263-22-000020","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2022-04-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q1 net income falls to $97.4M ($1.50/sh) from $113.9M; declares $0.75 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $97.4M ($1.50 diluted EPS) vs $113.9M ($1.77) YoY, down 14.5%.","Net interest income (tax-equiv) $272.2M, +3.1% YoY; NIM 2.33% vs 2.72% a year ago.","Avg deposits $43.0B, +21.3% YoY; avg loans ex-PPP $16.1B, +8.3% YoY.","Non-interest expense $238.7M (+13.6% YoY); no credit loss expense; net charge-offs $6.3M.","Q2 dividend $0.75/common share, payable June 15; record May 31."],"consensus_eps_estimate":null,"consensus_eps_actual":1.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":350461000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379001,"accession_number":"0000039263-22-000018","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2022-04-27T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Cullen/Frost shareholders elect all 11 directors, ratify auditor, approve say-on-pay at 2022 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected; each received between 52.4M and 55.5M votes for.","Ratification of Ernst & Young as auditor for FY 2022 passed with 58.7M for, 1.2M against.","Advisory vote on executive compensation approved with 54.8M for, 528K against, 351K abstentions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":397235,"accession_number":"0000039263-22-000006","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2022-01-28T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Cullen/Frost Bankers announces two director retirements and nominations of Baker and Rutherford","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Directors Karen E. Jennings (since 2001) and Ida Clement Steen (since 1996) to retire at April 2022 annual meeting.","Board nominates Laurie Baker (COO of Camden Property Trust) and Linda Burke Rutherford (EVP at Southwest Airlines) for election.","Retirements and nominations effective at annual meeting currently scheduled for April 27, 2022.","Jennings served on Compensation, Governance, and Risk committees; Steen on Compensation, Governance, and Technology committees."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":397234,"accession_number":"0000039263-22-000003","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2022-01-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q4 net income $99.4M ($1.54/diluted); 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deposits grow 19%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders $106.3M ($1.65 diluted EPS), up from $95.1M ($1.50) a year ago.","Net interest income $269.3M, up 0.9% YoY; net interest margin 2.47% vs 2.95% in Q3 2020.","Average deposits $39.1B, up 19% YoY; average loans $16.2B, down 10.8% (ex-PPP down 0.8%).","No credit loss expense in Q3 vs $20.3M expense a year ago; non-accrual loans fell to $57.1M from $91.6M.","Board declared $0.75 common dividend, payable Dec 15; also preferred dividend declared."],"consensus_eps_estimate":null,"consensus_eps_actual":5.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":1021831000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433809,"accession_number":"0000039263-21-000034","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2021-09-07T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Cullen/Frost to redeem $13.4M in trust preferred securities on Oct 23, 2021","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Redemption of all Floating Rate Junior Subordinated Debt Securities due 2034 (principal $13,403,000) triggers full redemption of WNB Capital Trust I securities.","Capital Securities ($13M) and Common Securities ($403K) redeemed pro rata at 100% of principal plus accrued interest ($85,215.14).","Redemption date October 23, 2021; holders must surrender physical certificates to Wilmington Trust.","Company's total assets were $46.7B at June 30, 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433808,"accession_number":"0000039263-21-000028","cik":39263,"company_name":"CULLEN/FROST BANKERS, INC.","ticker":"CFR","form_type":"8-K","filed_at":"2021-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cullen/Frost Q2 net income $116.4M, EPS $1.80; dividend raised 4% to $0.75","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders $116.4M vs $93.1M YoY; diluted EPS $1.80 vs $1.47.","Net interest income (tax-equivalent) $280M, up 3.8% YoY; average deposits rose 22.2% to $38.3B.","No credit loss expense in Q2 2021 vs $27.2M expense in Q2 2020; allowance for credit losses 1.54% of loans.","Board declared Q3 common dividend of $0.75/share, a 4% increase from prior $0.72.","Non-interest income up 17.6% to $91.2M, driven by trust fees, service charges, and card transaction fees."],"consensus_eps_estimate":null,"consensus_eps_actual":3.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":682520000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":8646524939.25971,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}