What SEC filings does Cullen/Frost Bankers, Inc. submit to the SEC?

Cullen/Frost Bankers, Inc. (CFR) submits several types of SEC filings including Form 4 (insider transactions), Form 144 (proposed insider sales), 8-K reports (material events such as earnings releases, acquisitions, leadership changes), and periodic reports — the 10-Q (quarterly) and 10-K (annual). All filings are publicly available through SEC EDGAR.

What does a Form 4 filing tell me about CFR?

A Form 4 for CFR discloses a transaction by a company insider — typically a director, officer, or 10%+ shareholder. It shows the source-reported date, number of shares, price, and updated ownership. These facts do not establish motive or predict future returns.

How do I interpret an 8-K filing from Cullen/Frost Bankers, Inc.?

An 8-K signals a material event requiring prompt disclosure. Common triggers include earnings pre-announcements, acquisitions, leadership appointments or departures, credit changes, or regulatory actions. Read the item codes inside the filing to understand exactly what was disclosed before drawing conclusions.

What is the difference between a 10-K and 10-Q for CFR?

The 10-K is Cullen/Frost Bankers, Inc.'s annual report with fully audited financial statements, comprehensive MD&A, and complete risk factor disclosures — filed 60–90 days after fiscal year-end. The 10-Q is a lighter quarterly report with unaudited financials filed for the first three quarters. Together they provide a continuous financial picture of the company.

Where can I see all CFR SEC filings directly on EDGAR?

You can view all historical Cullen/Frost Bankers, Inc. filings on the SEC EDGAR company page for CFR. Each filing card on this page links directly to the original SEC document.

How often does Cullen/Frost Bankers, Inc. file with the SEC?

Cullen/Frost Bankers, Inc. files one 10-K per year and up to three 10-Qs per year. Form 4 insider transactions must be reported within two business days of each trade, so the frequency depends on how often insiders are buying or selling CFR shares. 8-K filings occur whenever a material event happens — which can be several times per quarter for an active company.

CFR SEC Filing News — Cullen/Frost Bankers, Inc.

Latest SEC filings for Cullen/Frost Bankers, Inc. (CFR) explained in plain English. Covers insider buying and selling (Form 4), proposed insider sales (Form 144), material company events (8-K), and quarterly & annual reports (10-Q / 10-K). StrongBuyAnalytics provides navigation and brief excerpts or summaries; original filings remain at the SEC/source links and were authored by their filers, not StrongBuyAnalytics. Filing dates shown are source dates. Coverage and detection can be delayed or incomplete because of SEC availability, amendments, parsing, caching, or outages. Latest source filing date shown: 2026-08-17.

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checkin…

Sector: Financial Services Industry: Banks - Regional Market Cap: $9.5B

Total Filings

Bullish Classifications

Bearish Classifications

Insider Transactions

Material Events (8-K)

Periodic Reports

Rule-based classifications for CFR currently lean bearish. Of the 20 filing records displayed, 1 carry bearish classifications (such as insider sales or negative 8-K disclosures) versus 0 bullish. This does not necessarily signal fundamental deterioration — insiders sell for many reasons — but it is worth monitoring alongside the company's core financial metrics.

CFR Filing Activity Snapshot 2026-04-30 — 2026-08-17

Insider Transactions (Form 4)

0 buys vs 1 sell

Net insider selling in this period — insiders sell for many reasons beyond conviction.

Largest Form 144 Filing

$124.1K

Severyn Carol Jean · 2026-06-12

837 shares · Form 144

Form 144 Notices

Proposed insider sale filed — Form 144 is a notice of intent, not a confirmed transaction. Actual sales are confirmed via Form 4.

Insider Transactions 14 · Forms 3, 4 and 5

A Form 4 is filed within two business days of a company insider — an officer, a director, or a holder of more than ten percent of the stock — changing their position in the shares. All 14 filings in this group are Form 4s for Cullen/Frost Bankers, Inc.

The difficulty with reading these filings as a group is that a single form type covers transactions that mean entirely different things. An executive spending their own money to buy stock and an executive having shares withheld to pay tax on a vesting grant both appear as a Form 4. Every filing below is therefore tagged with the nature of the underlying transaction, taken from the transaction code reported on the form itself.

Across the 14 insider filings shown, the breakdown is 13 compensation award and 1 open-market sale. 1 of them involved a discretionary open-market trade; the rest are compensation and administrative mechanics.

What each transaction type means

Compensation award ×13: Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.
Open-market sale ×1: The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Form 4 Open-market sale Insider Selling 2026-06-15

CFR insider Severyn Carol Jean (GEVP and Chief Risk Officer) sold 837 shares (~$124.1K)

Severyn Carol Jean, listed as GEVP and Chief Risk Officer at CULLEN/FROST BANKERS, INC., reported an open-market sale of 837 CFR shares in a Form 4 filing. This is a confirmed insider sale, not just a proposed sale notice.

The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`S`	Open-market sale	837	$148.29	$124.1K

Filing: Form 4 (Insider Transaction) Insider: Severyn Carol Jean (GEVP and Chief Risk Officer) Shares: 837 Est. Value: $124.1K

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

HAEMISEGGER DAVID J (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: HAEMISEGGER DAVID J (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

CHASE ANTHONY R (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: CHASE ANTHONY R (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

Dawson Samuel G. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: Dawson Samuel G. (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

Andrade Esperanza (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: Andrade Esperanza (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

Comparin Cynthia Jane (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: Comparin Cynthia Jane (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

EDWARDS CRAWFORD H (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: EDWARDS CRAWFORD H (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

Engates John T (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: Engates John T (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

Rummel Jeffrey M. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: Rummel Jeffrey M. (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

John Howard Willome (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: John Howard Willome (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

Shields Marsha McCombs (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: Shields Marsha McCombs (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

MATTHEWS CHARLES W (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: MATTHEWS CHARLES W (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

Rutherford Linda B. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: Rutherford Linda B. (Director)

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-27

CFR insider Form 4 filed for equity award, exercise, or tax withholding

Pierce Joseph A. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award derivative · Deferred Stock Units	630	—	—

Filing: Form 4 (Insider Transaction) Insider: Pierce Joseph A. (Director)

View on SEC EDGAR → Open Filing Document →

Proposed Insider Sales 1 · Form 144

A Form 144 is a notice of intent to sell restricted or control securities. It is not a record that anything was sold. Cullen/Frost Bankers, Inc. has 1 such notice in this period.

The distinction matters because a Form 144 is frequently reported as though it were a completed insider sale. The filer may sell all of the shares covered, some of them, or none at all, and there is no obligation to update the notice either way. A sale that is actually executed by an officer or director shows up separately on a Form 4, which is the filing to check before treating a proposed sale as a real one.

Form 144 Proposed Insider Sale 2026-06-12

CFR Form 144 filed for proposed insider sale by Severyn Carol Jean (837 shares) ~$124.1K

Severyn Carol Jean filed a Form 144 with the SEC indicating intent to sell CFR (CULLEN/FROST BANKERS, INC.) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4.

Filing: Form 144 (Proposed Sale Notice) Insider: Severyn Carol Jean Shares: 837 Est. Value: $124.1K

View on SEC EDGAR → Open Filing Document →

Material Events 3 · Form 8-K

An 8-K reports a material event in the window between scheduled reports. There are 3 in this period for Cullen/Frost Bankers, Inc. Each 8-K names the item number it is filed under, and that number is the fastest way to tell a routine disclosure from a consequential one.

Item 2.02 is an earnings release, Item 5.02 is a change of directors or officers, and Item 1.01 or 2.01 covers a material agreement or a completed acquisition. Item 7.01 and Item 8.01 are the general-purpose disclosure items and carry no fixed meaning on their own.

Form 8-K Material Company Update 2026-08-17

CFR filed 8-K — material company event

CULLEN/FROST BANKERS, INC. filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-07-30

CFR filed 8-K — material company event

CULLEN/FROST BANKERS, INC. filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-04-30

CFR filed 8-K — material company event

CULLEN/FROST BANKERS, INC. filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Periodic Reports 2 · Forms 10-K and 10-Q

The periodic reports are where the audited and reviewed financial statements live. This period contains 2 quarterly reports (10-Q) for Cullen/Frost Bankers, Inc.

The two are not equivalent in weight. A 10-K is audited by an external firm and includes the full risk factor disclosure, business description and management discussion; a 10-Q is unaudited, reviewed rather than examined, and much shorter. When a figure in a quarterly report is later revised, the annual report is usually where the correction appears.

An amended report — 10-K/A or 10-Q/A — restates or corrects something in the original filing, and is worth reading against the version it replaces.

Form 10-Q Quarterly Report 2026-07-30

CFR filed Quarterly Report (10-Q)

CULLEN/FROST BANKERS, INC. filed its quarterly report with the SEC. This report includes unaudited financial statements and management discussion for the quarter.

Filing: 10-Q (Quarterly Report)

View on SEC EDGAR → Open Filing Document →

Form 10-Q Quarterly Report 2026-04-30

CFR filed Quarterly Report (10-Q)

CULLEN/FROST BANKERS, INC. filed its quarterly report with the SEC. This report includes unaudited financial statements and management discussion for the quarter.

Filing: 10-Q (Quarterly Report)

View on SEC EDGAR → Open Filing Document →

How we classify Cullen/Frost Bankers, Inc.'s filings

Straight from EDGAR

Each displayed record links to an original source document. StrongBuyAnalytics provides navigation and brief excerpts or summaries, not the filing itself. Parsing may omit context or contain errors, so read the original document in full.

Transaction codes, not guesswork

The nature shown on each insider filing comes from the transaction code the filer entered on the form itself — P for an open-market purchase, A for a compensation award, F for shares withheld to pay tax, M for an option exercise. Where one filing contains several codes, the transaction table lists them line by line.

Why the distinction matters

Insider activity is routinely summarised as buying or selling, which flattens together decisions that mean very different things. Shares withheld for tax on a vesting grant are an automatic administrative step; shares bought on the open market are someone committing their own money at the current price.

What this page does not tell you

A filing records what happened, not why. Form 4 does not always disclose whether a sale was executed under a pre-arranged Rule 10b5-1 plan, and no single filing is a basis for a decision on CFR. Read these alongside the fundamentals rather than in isolation.

Frequently Asked Questions — CFR SEC Filings

More Tools for CFR

CFR Full Stock Analysis CFR Live Chart Institutional Ownership Earnings Calendar Options Flow Scanner Semiconductor Demand Zone Tracker Sector Scanner Browse All Stocks

Want deeper CFR analysis?

View valuation, growth metrics, the rule-based stock-page score, demand zones, peer comparison, and more — all on the CFR stock analysis page.

CFR Full Analysis

Publisher, sources & limitations — September 15, 2026. StrongBuyAnalytics provides navigation and brief excerpts or summaries for educational use. Original filings remain at SEC EDGAR or other displayed source links; StrongBuyAnalytics does not author them. Filing dates are source dates, not publication dates for this page. Coverage can be delayed, incomplete, amended, or unavailable because of SEC/source availability, parsing, caching, or outages. Verify every material statement in the original filing.

Data Sources · Methodology · AI Disclosure · Corrections Policy · Disclaimer