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Cullen/frost Bankers, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 05 May 2025.
Cullen/frost Bankers, Inc.: what insiders have been doing
This page follows insider dealings at Cullen/frost Bankers, Inc. as filed with SEC (Form 4), a company from the Finance & Banking sector based in San Antonio, United States. The group dates from 1868. Between 18 October 2025 and 18 October 2026, 13 insiders published 28 filings.
Only sales appear on the open market, 4 sales in all totalling €191k, filed by 4 insiders. The totals do not cover 1 filing with an undisclosed amount. At €115k, the sale published on 2 February 2026 by Berman Bobby is the largest of the period.
Between a trade and the moment it shows up on SEC (Form 4), the median delay is 2 days. For comparison, the SEC allows two business days to file a Form 4. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
With 28 filings in twelve months, the company is more active than the median of 22 filings across the 5,458 companies we follow on the same exchange. Since 2016, the database holds 15 purchases and 9 sales by insiders of the company. For the fiscal year to 31 December 2025, the annual 10-K puts net income at 648.6 m USD, and the dividend at 3.95 USD per share.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
167
Thresholds
n/a
Buy Volume
€3M
15 ops. · all time
Sell Volume
€2M
9 ops. · all time
Who traded when
BuySaleBobby Berman2 sales
Carol Jean Severyn1 sale
Coolidge E. Rhodes Jr.1 sale
Ericka Lynn Pullin1 sale
Matthew Bradley Henson1 buy
Since the insiders bought
- +15.0%Entry US$122.39 · Close at T+365 US$140.74
- -21.9%Entry US$130.75 · Close at T+365 US$102.17
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Cullen/frost Bankers, Inc. Hold (neutral), based on 14 analysts. Average price target: US$173.29.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 2,490 of 24,148 companies
73.5
score / 100
Value62
Quality86
FCF yld1.4%
Earn yld6.9%
EV/EBITDA·
ROE15%
Gross mgn·
Net mgn29%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$150.24
Analyst consensus
14 analystsHold
US$145.00Target US$173.29(+15%)US$201.00
Income statement
RevenueUS$2.2B
Net incomeUS$648.6M30.2% margin
Valuation
PER (trailing)14.2x
PER (forward)12.5x
P/Book2.1x
Beta0.55
Balance sheet & cash
Market capUS$9.3B
Total debtUS$223M
Free Cash FlowUS$127.3M
Profitability & ownership
ROE15.5%
ROA1.3%
% insiders6.1%
% institutions96.2%
Last declaration on 15 June 2026
Declarations167 total
837 sharesCommon Stock, $0.01 par valueSEC:0001767197-26-000004:0
837 shares@ US$148.29117.0% of flowCommonSEC144:0001959173-26-004605
750 shares0Common Stock, $0.01 par valueSEC:0001344078-26-000002:0
700 sharesCommon Stock, $0.01 par valueSEC:0001883925-26-000004:0
912 shares0Common Stock, $0.01 par valueSEC:0001128404-26-000004:0
882 shares0Common Stock, $0.01 par valueSEC:0001960954-26-000002:0
1,724 shares0Common Stock, $0.01 par valueSEC:0001883925-26-000002:0
2,155 shares0Common Stock, $0.01 par valueSEC:0001695033-26-000002:0
1,638 shares0Common Stock, $0.01 par valueSEC:0001649840-26-000002:0
2,299 shares0Common Stock, $0.01 par valueSEC:0001388772-26-000002:0
1,681 shares0Common Stock, $0.01 par valueSEC:0001767197-26-000002:0
1,293 shares0Common Stock, $0.01 par valueSEC:0001388767-26-000004:0
9,124 shares0Common Stock, $0.01 par valueSEC:0001128404-26-000002:0
1,000 shares@ US$137.078.1% of flowCommon Stock, $0.01 par valueSEC:0001388767-26-000002:0
0.335 shares@ US$129.725100.0% of flowCommon Stock, $0.01 par valueSEC:0002066961-25-000006:0
700 shares@ US$127.00100.0% of flowCommon Stock, $0.01 par valueSEC:0001883925-25-000006:0
2,892 shares0Common Stock, $0.01 par valueSEC:0001128404-25-000008:0
1,049 shares0Common Stock, $0.01 par valueSEC:0002049881-25-000003:0
2,097 shares0Common Stock, $0.01 par valueSEC:0001883925-25-000003:0
2,621 shares0Common Stock, $0.01 par valueSEC:0001695033-25-000003:0
1,992 shares0Common Stock, $0.01 par valueSEC:0001649840-25-000004:0
1,573 shares0Common Stock, $0.01 par valueSEC:0001388767-25-000004:0
11,097 shares0Common Stock, $0.01 par valueSEC:0001128404-25-000004:0
384 shares0Common Stock, $0.01 par valueSEC:0002066961-25-000002:0
419 shares0Common Stock, $0.01 par valueSEC:0002050987-25-000003:0
25 of 167 declarations
About Cullen/frost Bankers, Inc.
Cullen/Frost Bankers, Inc. is a U.S. financial holding company listed on the NYSE under ticker CFR; CFR-PB refers to one of its preferred-stock issues, which is typically relevant for income-focused investors. The company is headquartered in San Antonio, Texas, and its banking heritage dates back to 1868 through Frost Bank. The current holding company was formed in 1977 via the merger of Frost Bank Corp. and Cullen Bankers, Inc., giving the franchise one of the deeper operating histories among Texas-based banks. ([investor.frostbank.com](https://investor.frostbank.com/news-market-data/News-Details/2025/CULLENFROST-REPORTS-FIRST-QUARTER-RESULTS/default.aspx?utm_source=openai))
Operationally, Frost is best described as a regional financial franchise with a broad but still banking-centered mix of businesses. Its core activities include commercial banking, consumer banking, deposits, lending, treasury and cash-management services, as well as investment, brokerage, and insurance products delivered through affiliated subsidiaries. The company markets itself as providing a full range of business and consumer banking solutions, with a strong emphasis on relationship banking and local service. That combination gives Frost a diversified fee-and-spread profile, but its earnings remain closely tied to the Texas economy. ([eu2.dmz-fb.frostbank.com](https://eu2.dmz-fb.frostbank.com/newsroom/backgrounder?utm_source=openai))
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From a competitive standpoint, Cullen/Frost’s strengths are its long-standing brand, deep local roots, conservative risk culture, and a clearly articulated organic growth strategy. Management has highlighted continued loan growth, stable deposit gathering, and ongoing branch expansion as key drivers. In 2025 the bank opened new financial centers in Austin, Dallas, and San Antonio, bringing the year’s total to 10 new locations, which underscores its commitment to strengthening market share in major Texas metros. Frost also emphasizes digital banking tools and a customer-service model designed to complement its physical footprint. ([investor.frostbank.com](https://investor.frostbank.com/news-market-data/News-Details/2026/CULLENFROST-REPORTS-FOURTH-QUARTER-AND-2025-ANNUAL-RESULTS/default.aspx?utm_source=openai))
Geographically, Frost remains primarily Texas-focused, with operations in Austin, Corpus Christi, Dallas, Fort Worth, Houston, the Permian Basin, the Rio Grande Valley, and San Antonio. For investors, that means the stock is essentially a concentrated play on Texas banking and local economic conditions rather than a nationally diversified U.S. financial institution. The upside is franchise intimacy and scale in a high-growth state; the trade-off is lower geographic diversification. ([eu2.dmz-fb.frostbank.com](https://eu2.dmz-fb.frostbank.com/newsroom/backgrounder?utm_source=openai))
Recent highlights have been constructive. The company reported stronger 2025 annual earnings, and in January 2026 it announced a $300 million share-repurchase authorization alongside a quarterly dividend declaration for both common and preferred stock. Management also pointed to continued momentum in loan and deposit growth entering 2026. For holders of CFR-PB, the broader message is that Frost appears to combine a well-capitalized balance sheet, active capital returns, and a durable regional franchise in the United States market. ([investor.frostbank.com](https://investor.frostbank.com/news-market-data/News-Details/2026/CULLENFROST-REPORTS-FOURTH-QUARTER-AND-2025-ANNUAL-RESULTS/default.aspx?utm_source=openai))
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