{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-22-000003","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2022-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.282900+00:00","generated_at":"2026-06-27T15:07:54.743723+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Cullen/Frost Q4 net income $99.4M ($1.54/diluted); declares $0.75 dividend and $100M buyback","bullets":["Q4 2021 net income available to common $99.4M, up from $88.3M YoY; diluted EPS $1.54 vs. $1.38.","Full-year 2021 net income $435.9M ($6.76/share), up 34.7% from 2020.","Average deposits rose 20.2% YoY to $41.0B; average loans ex-PPP increased 2.4%.","Q4 net interest margin 2.31% vs 2.82% a year ago; no credit loss expense, net charge-offs $2.8M.","Board declared $0.75/common share dividend (payable March 15) and authorized $100M stock repurchase plan."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-22-000003","json":"https://secwatch.observer/filing/0000039263-22-000003.json","markdown":"https://secwatch.observer/filing/0000039263-22-000003.md","text":"https://secwatch.observer/filing/0000039263-22-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926322000003/0000039263-22-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926322000003/cfr-20220127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:07:54.743723+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}