← Research LibraryThe BriefFY2025 10-K · headline figures audited against SEC data
Cullen/Frost grew earnings and capital, but FCF fell hard as insiders sold.
The read at a glance✓ Audited against SEC data
- Business mix — Texas bank and wealth servicesNote
- Revenue — $121.6M, +14.4%OK
- Net income — $648.6M, +11.3%OK
- FCF — $127.3M, -85.2%Watch
- Capital return — Dividends and buybacks upOK
- Insiders — 0 purchases and 3 salesWatch
Business
Cullen/Frost Bankers is a Texas bank holding company offering commercial and consumer banking, wealth, trust, insurance, brokerage, treasury-management, leasing, and advisory services.
Where the revenue comes from
Fiscal 2025, as CULLEN/FROST BANKERS, INC. reports it. History and quarterly detail are in the app.
- Banking$2.0B
- Frost Wealth Advisors$217.3M
Leadership changes
From CULLEN/FROST BANKERS, INC.'s own filings, the day they're filed.
- Chris Avery · Directors · departureeff. 2026-01-28
- Dan Geddes · Chief Financial Officer · appointmenteff. 2025-01-01
- Matt Henson · Chief Accounting Officer · appointmenteff. 2025-01-01
Latest filings
- 8-K · Company announcement2026-08-17
- 8-K · Company announcement2026-07-30
- 10-Q · Quarterly report2026-07-30
- 10-Q · Quarterly report2026-04-30
- 8-K · Company announcement2026-04-30
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- Main tension🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about CULLEN/FROST BANKERS, INC., every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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