Cullen/Frost Bankers Inc.
Cullen/Frost Bankers Inc. is classed by the SEC under National Commercial Banks (industry code 6021), based in San Antonio, TX. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $122 million and a profit of $642 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.9 out of ten, 9 of 9 metrics filed: past 6.7 out of ten, present 5.9 out of ten, future 4.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2017. 75th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.8 out of ten. +13.3% a year over 10 filed years; profitable in 10 of 10. 47th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 7.0 out of ten. Share count shrank 0.2% a year. 57% of cash flow returned. Insiders: 4 sales, 0 purchases. 70th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.5 out of ten. ROE 14%: 14¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 55th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 6.6 out of ten. top 34% of 79 in its family; net margin 26.8%. 66th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.8 out of ten. top 42% of 74 in its family for leadership; chief executive since 2016. 58th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 5.3 out of ten. top 47% of 71 in its family for room to expand. 53rd percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.9 out of ten. bottom 49% of 79 in its family for growth drivers. 49th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.5 out of ten. bottom 35% of 76 in its family for expectations against reality. 35th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-05 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-30 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 (on EDGAR). Newest filing: Form 8-K, 2026-08-17. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Green, Phillip D (Chairman and CEO); Bracher, Paul (President of CFR); Geddes, Dan (GEVP & Chief Financial Officer); Severyn, Carol Jean (GEVP and Chief Risk Officer); Alonzo, Annette M (GEVP Chief HR Officer); Kasanoff, Howard L. (GEVP Chief Credit Officer); Stead, Jimmy (GEVP Chief Consumer Banking); Henson, Matthew Bradley (Chief Accounting Officer); Wilson, Kenneth L. (GEVP Chief Wealth Officer); Rhodes, Coolidge E Jr (Group EVP General Counsel/Sec); and 15 more. 25 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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