158.05
+1.82%
Close of 9 Nov 2026, in USD
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About Cullen/Frost Bankers
From its filings with the US Securities and Exchange Commission
Cullen/Frost Bankers is based in San Antonio, Texas and is incorporated in Texas. Its shares trade on NYSE under the ticker CFR. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $2.24bn and net income of $648.6m. At that date it held total assets of $53.04bn and shareholders' equity of $4.57bn. By business, Banking [Member] brought in 90.9% of revenue, followed by Frost Wealth Advisors [Member] at 9.7%.
Our customers, employees and third parties that we do business with have been, and will continue to be, targeted by parties using fraudulent e-mails and other communications in attempts to misappropriate passwords, bank account information or other personal information or to introduce viruses or other malware programs to our information systems, the information systems of merchants or third-party service providers and/or our customers' personal devices, which are beyond our security control systems. Though we endeavor to mitigate these threats through product improvements, use of encryption and authentication technology and customer and employee education, such cyber-attacks against us, merchants, our third-party service providers and our customers remain a serious issue and have been successful in the past.
Although we make significant efforts to maintain the security and integrity of our information systems and have implemented various measures to manage the risks of a security breach or disruption, there can be no assurance that our security efforts and measures will be effective or that attempted security breaches or disruptions would not be successful or damaging. It is possible that employees, merchants or our third-party vendors may not follow our cybersecurity policies and procedures, which may expose us to a cyber-attack.
Quoted from its 10-K, filed 5 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 14 Aug 1997
- Employees
- 6,008
- Head office
- 111 W HOUSTON ST, SAN ANTONIO, TX, 78205
- Incorporated in
- TX
- Classification
- National Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Phillip GreenChairman of the Board, Chief Executive Officer, since 1985$6.7m
- Mr. Paul BracherPresident, Group Executive Vice President and Chief Banking Officer of Frost Bank$2.2m
- Mr. Daniel GeddesChief Financial Officer, Group Executive Vice President
- Ms. Annette AlonzoChief Human Resources Officer, Group Executive Vice President
- Mr. Jimmy SteadGroup Executive Vice President, Chief Consumer Banking and Technology Officer$2.1m
- Mr. Kenny WilsonGroup Executive Vice President, Chief Wealth Officer of Frost Bank
- Mr. Robert BermanGroup Executive Vice President - Research and Strategy of Frost Bank
- Mr. Howard KasanoffGroup Executive Vice President, Chief Credit Officer of Frost Bank
- Mr. Coolidge RhodesGroup Executive Vice President, General Counsel and Corporate Secretary of Frost Bank$1.9m
- Ms. Carol Jean SeverynGroup Executive Vice President, Chief Risk Officer of Frost Bank
- Mr. Candace WolfshohlGroup Executive Vice President - Culture and People Development of Frost Bank
- Mr. Charles MatthewsLead Independent Director$267,943
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 24
- Environment
- 2
- Social
- 39
- Governance
- 32
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Strong brand reputation: Cullen/Frost Bankers Inc has a long-standing history and a highly regarded reputation in the banking industry.
- Wide range of financial products and services: The company offers a comprehensive suite of banking and financial services, including commercial and consumer banking, investment banking, and wealth management.
- Solid financial performance: Cullen/Frost Bankers Inc has consistently demonstrated strong financial performance, with steady revenue growth and healthy profitability ratios.
Weaknesses
- Concentration risk: The bank's business is primarily focused on the Texas market, making it vulnerable to regional economic fluctuations and potential downturns.
- Limited geographic presence: While the company has expanded beyond Texas in recent years, its footprint is still relatively small compared to some national competitors.
- Dependency on interest rates: Cullen/Frost Bankers Inc is susceptible to changes in interest rates, which can impact its net interest margin and overall profitability.
Opportunities
- Market expansion: There is an opportunity for Cullen/Frost Bankers Inc to further expand its presence in neighboring states or other regions to reduce concentration risk and drive growth.
- Technology advancement: Investing in digital banking solutions and innovative technologies can enhance customer experience, increase operational efficiency, and attract tech-savvy customers.
- Mergers and acquisitions: The company may explore strategic mergers or acquisitions to gain market share, expand its product offerings, or enter new geographic markets.
Threats
- Intense competition: Cullen/Frost Bankers Inc operates in a highly competitive market, facing competition from large national banks, regional players, and online financial institutions.
- Regulatory environment: Ongoing changes in banking regulations and compliance requirements can increase operational costs and impact the bank's ability to offer certain products or services.
- Economic downturn: A recession or economic slowdown can lead to increased loan defaults, reduced loan demand, and overall negative impacts on the bank's financial performance.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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