{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-26-000004","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.402349+00:00","generated_at":"2026-05-16T06:40:44.393488+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 2025 EPS $2.56, up 7.4% YoY; board approves $300M buyback","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-26-000004","json":"https://secwatch.observer/filing/0000039263-26-000004.json","markdown":"https://secwatch.observer/filing/0000039263-26-000004.md","text":"https://secwatch.observer/filing/0000039263-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926326000004/0000039263-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926326000004/cfr-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:40:44.393488+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"}