Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

CULLEN/FROST BANKERS, INC.
Next earnings Jul 29, 2026 · consensus $2.54 EPS, $592M rev
Last earnings +1.5% on 2026-04-30
Premier Texas commercial bank compounding earnings and book value, 14.2% ROE at a reasonable 14.7x — quality growth in a growth state.
Sources: SEC EDGAR (CIK 0000039263, latest 10-Q filed 2026-04-30) · EODHD · analysis by claude-code · as of 6/21/2026, 8:51:13 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Quality fundamentals and an attractive price line up (~77% below fair value) — the rarer case where both the business and the entry look good.
Cullen/Frost Bankers is the holding company for Frost Bank, a high-quality, conservatively run Texas franchise. Earnings have compounded steadily — net income rose from $443M (FY2021) to $649M (FY2025), up 11.3% last year, with diluted EPS up 11.8% to $9.92. Return on equity is a healthy 14.2%, and stockholders' equity grew 17.3% to $4.57B as accumulated rate-driven securities marks recovered and retained earnings built to $4.31B. The bank is leveraged 10.60x liabilities/equity, which is normal for a deposit-funded commercial bank, and it carries substantial liquidity ($8.87B cash and equivalents) on a $53.0B balance sheet.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $83.3M | $91.9M | $93.5M | $106M | $122M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $443M | $579M | $598M | $583M | $649M |
| Diluted EPS | $6.76 | $8.81 | $9.10 | $8.87 | $9.92 |
| Net margin | 532.0% | 630.3% | 639.5% | 548.4% | 533.5% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
1482 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Last 90 days: 0 open-market buys · 1 sale
| 2026-06-12 | Severyn Carol Jean GEVP and Chief Risk Officer | Sell | 837.00 @ $148.29 | $124K |