secwatch.observer — SEC 8-K summary
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Issuer:     CULLEN/FROST BANKERS, INC. (CFR)
CIK:        0000039263
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0000039263-26-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Cullen/Frost Q4 2025 EPS $2.56, up 7.4% YoY; board approves $300M buyback
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- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/39263/000003926326000004/0000039263-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/39263/000003926326000004/cfr-20260129.htm
  HTML page:      https://secwatch.observer/filing/0000039263-26-000004

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