{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-25-000007","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.007319+00:00","generated_at":"2026-05-27T05:57:27.167136+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 $153.2M, EPS $2.36; declares $0.95 dividend and $150M buyback","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-25-000007","json":"https://secwatch.observer/filing/0000039263-25-000007.json","markdown":"https://secwatch.observer/filing/0000039263-25-000007.md","text":"https://secwatch.observer/filing/0000039263-25-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926325000007/0000039263-25-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926325000007/cfr-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:57:27.167136+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"}