CF
CFR
—
NYSE
Banks
Cullen/frost Bankers, Inc.
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
10,6B USD
P/E
15,8x
EV / Rev
—
Div yield
2,42 %
Op margin
—
ROE
14,0 %
Net margin
533,5 %
Debt / equity
—
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$163,49
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
CULLEN/FROST BANKERS, INC. is classified under Financials / Banks and appears profitable on the latest normalized snapshot.
Business. CULLEN/FROST BANKERS, INC. (CFR) is a bank headquartered in the United States that operates within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking activities. It is listed on the New York Stock Exchange under the ticker symbol CFR. Specific details regarding operating segments and geographic mix are not provided.
Classification99 %
SectorFinancials
Industry groupBanks
Generated · rules-based
Sell-side consensus
HOLD15 analysts
6 buy7 hold2 sell
Avg 12m price target167,00
Analyst recommendations
15 analysts · consensus HoldBuy6
Hold7
Sell2
12-month price target
167,00
Consensus of sell-side coverage.
Upcoming events
- DividendDividend USD 1.03/sh2026-09-15
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
At a glance
Score
—
not yet scored
Valuation→
15,8x
P/E
Analysts→
Hold
15 analysts · indicative
Ownership→
First Trust Advisors L.P.
largest disclosed fund holder
Profitability→
14,0 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to CFR. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- DividendDividend USD 1.03/sh2026-09-15
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Briefing · model-assisted
Cullen/Frost Bankers, Inc. (CFR) is undergoing its first formal analysis, meaning there is no prior baseline to compute material changes in its fundamental metrics. Consequently, the most significant recent activity centers on shareholder composition rather than operational shifts. The company currently maintains a shareholder base of 33 top holders, with no reported changes in officer count, analyst coverage, or index membership. Recent data reveals major modifications in holdings by investor ID 587 as of March 31, 2026. These changes were detected in late June and early July 2026, indicating a period of active portfolio adjustment. The investor’s position fluctuated significantly, with share counts moving between 23,827, 5,139, and 328 shares during this reporting window. The value of these holdings corresponded to these share adjustments, ranging from approximately $3.27 million down to $0.70 million, and finally to $0.006 million. The investor’s weight in the company shifted from 0.0019% to 0.0004%, and ultimately to a negligible 0.000003%. These movements represent substantial relative changes in the investor’s stake, despite the absolute dollar amounts remaining small in the context of the broader market. This volatility in a single holder’s position highlights the dynamic nature of CFR’s shareholder registry, even in the absence of broader corporate developments. With no analyst estimates or ESG ratings currently influencing the narrative, the focus remains on these raw ownership changes. Investors should monitor whether these adjustments reflect broader sentiment shifts or isolated trading activity, given the lack of other material signals.
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
CULLEN/FROST BANKERS, INC. (CFR) is a bank headquartered in the United States that operates within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking activities. It is listed on the New York Stock Exchange under the ticker symbol CFR. Specific details regarding operating segments and geographic mix are not provided.
Classification99 %
SectorFinancials
Industry groupBanks
AI synthesis
GENERATEDCULLEN/FROST BANKERS, INC. (CFR) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 53,881,091,000 USD, total equity 4,622,643,000, short-term debt 0, long-term debt 0. Self-calculated market cap is 10,263,300,066 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 66,334,000, gross profit 0, operating income 0, net income 343,046,000. Return on equity ~14.0%. Return on assets ~1.2%. Operating-cash-flow to net-income ratio is 0.42. Risk profile from automated assessment: liquidity risk unknown, dilution risk medium. Flags: Source documents mention dilution or offering risk.; Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).. Recent news context: [TRIGGER] pre_earnings_window: pre_earnings_window (pre_earnings_window) on CFR — reason=Pre-earnings freshness window T-1 for CFR Q2 2026 (confirmed via sec_filed); urgency=high; watcher=pre_earnings_window; days_out=1; source_id=sec_filed:3519f575-ee2a-4d53-b724-2e248763300d:Q2 2026; date_basis=sec_8k_forward; date_source=sec_filed; offset_days=1; report_date=2026-08-02; period_label=Q2 2026; window_label=T-1; confirmed_basis=filed; contributing_watchers=pre_earnings_window (source=sec_filed; url=pew:Q2 2026:T-1). Additional context: pre_earnings_window: reason=Pre-earnings freshness window T-1 for CFR Q2 2026 (confirmed via sec_filed); urgency=high; watcher=pre_earnings_window; days_out=1; source_id=sec_filed:3519f575-ee2a-4d53-b724-2e248763300d:Q2 2026; date_basis=sec_8k_forward; date_source=sec_filed; offset_days=1; report_date=2026-08-02; period_label=Q2 2026; window_label=T-1; confirmed_basis=filed; contributing_watchers=pre_earnings_window. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup, JPM.N, BAC.O.
Cullen/Frost Bankers, Inc. (CFR) is undergoing its first formal analysis, meaning there is no prior baseline to compute material changes in its fundamental metrics. Consequently, the most significant recent activity centers on shareholder composition rather than operational shifts. The company currently maintains a shareholder base of 33 top holders, with no reported changes in officer count, analyst coverage, or index membership. Recent data reveals major modifications in holdings by investor ID 587 as of March 31, 2026. These changes were detected in late June and early July 2026, indicating a period of active portfolio adjustment. The investor’s position fluctuated significantly, with share counts moving between 23,827, 5,139, and 328 shares during this reporting window. The value of these holdings corresponded to these share adjustments, ranging from approximately $3.27 million down to $0.70 million, and finally to $0.006 million. The investor’s weight in the company shifted from 0.0019% to 0.0004%, and ultimately to a negligible 0.000003%. These movements represent substantial relative changes in the investor’s stake, despite the absolute dollar amounts remaining small in the context of the broader market. This volatility in a single holder’s position highlights the dynamic nature of CFR’s shareholder registry, even in the absence of broader corporate developments. With no analyst estimates or ESG ratings currently influencing the narrative, the focus remains on these raw ownership changes. Investors should monitor whether these adjustments reflect broader sentiment shifts or isolated trading activity, given the lack of other material signals.
Key takeaways
- Observed GAAP P/E is about 15.82x.
- Return on equity is about 14.0%.
- Debt to equity is about 0.0x.
- [TRIGGER] pre_earnings_window: pre_earnings_window (pre_earnings_window) on CFR — reason=Pre-earnings freshness window T-1 for CFR Q2 2026 (confirmed via sec_filed); urgency=high; watcher=pre_earnings_window; days_out=1; source_id=sec_filed:3519f575-ee2a-4d53-b724-2e248763300d:Q2 2026; date_basis=sec_8k_forward; date_source=sec_filed; offset_days=1; report_date=2026-08-02; period_label=Q2 2026; window_label=T-1; confirmed_basis=filed; contributing_watchers=pre_earnings_window (source=sec_filed; url=pew:Q2 2026:T-1)
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
- cfr-20260630 false 2026 Q2 0000039263 December 31 P5Y P5Y P1Y xbrli:shares iso4217:USD xbrli:shares iso4217:USD xbrli:pure utr:Rate cfr:Grade cfr:quarter utr:bbl utr:MMBTU cfr:Segment 0000039263 2026-01-01 2026-06-30 0000039263 us-gaap:CommonStockMember exch:XNYS 2026-01-01 2026-06-30 0000039263 us-gaap:SeriesBPreferredStockMember exch:XNYS 2026-01-01 2026-06-30 0000039263 2026-07-30 0000039263 2026-06-30 0000039263 2025-12-31 0000039263 us-gaap:SeriesBPreferredStockMember 2026-06-30 0000039263 us-gaap:SeriesBPreferredStockMember 2025-12-31 0000039263 2026-04-01 2026-06-30 0000039263 2025-04-01 2025-06-30 0000039263 2025-01-01 2025-06-30 0000039263 us-gaap:PreferredStockMember 2026-03-31 0000039263 us-gaap:CommonStockMember 2026-03-31 0000039263 us-gaap:AdditionalPaidInCapitalMember 2026-03-31 0000039263 us-gaap:RetainedEarningsMember 2026-03-31 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-03-31 0000039263 us-gaap:TreasuryStockCommonMember 2026-03-31 0000039263 2026-03-31 0000039263 us-gaap:RetainedEarningsMember 2026-04-01 2026-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0000039263 us-gaap:TreasuryStockCommonMember 2026-04-01 2026-06-30 0000039263 us-gaap:AdditionalPaidInCapitalMember 2026-04-01 2026-06-30 0000039263 us-gaap:PreferredStockMember 2026-06-30 0000039263 us-gaap:CommonStockMember 2026-06-30 0000039263 us-gaap:AdditionalPaidInCapitalMember 2026-06-30 0000039263 us-gaap:RetainedEarningsMember 2026-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-06-30 0000039263 us-gaap:TreasuryStockCommonMember 2026-06-30 0000039263 us-gaap:PreferredStockMember 2025-03-31 0000039263 us-gaap:CommonStockMember 2025-03-31 0000039263 us-gaap:AdditionalPaidInCapitalMember 2025-03-31 0000039263 us-gaap:RetainedEarningsMember 2025-03-31 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-03-31 0000039263 us-gaap:TreasuryStockCommonMember 2025-03-31 0000039263 2025-03-31 0000039263 us-gaap:RetainedEarningsMember 2025-04-01 2025-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0000039263 us-gaap:TreasuryStockCommonMember 2025-04-01 2025-06-30 0000039263 us-gaap:AdditionalPaidInCapitalMember 2025-04-01 2025-06-30 0000039263 us-gaap:PreferredStockMember 2025-06-30 0000039263 us-gaap:CommonStockMember 2025-06-30 0000039263 us-gaap:AdditionalPaidInCapitalMember 2025-06-30 0000039263 us-gaap:RetainedEarningsMember 2025-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-06-30 0000039263 us-gaap:TreasuryStockCommonMember 2025-06-30 0000039263 2025-06-30 0000039263 us-gaap:PreferredStockMember 2025-12-31 0000039263 us-gaap:CommonStockMember 2025-12-31 0000039263 us-gaap:AdditionalPaidInCapitalMember 2025-12-31 0000039263 us-gaap:RetainedEarningsMember 2025-12-31 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-12-31 0000039263 us-gaap:TreasuryStockCommonMember 2025-12-31 0000039263 us-gaap:RetainedEarningsMember 2026-01-01 2026-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0000039263 us-gaap:TreasuryStockCommonMember 2026-01-01 2026-06-30 0000039263 us-gaap:AdditionalPaidInCapitalMember 2026-01-01 2026-06-30 0000039263 us-gaap:PreferredStockMember 2024-12-31 0000039263 us-gaap:CommonStockMember 2024-12-31 0000039263 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0000039263 us-gaap:RetainedEarningsMember 2024-12-31 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0000039263 us-gaap:TreasuryStockCommonMember 2024-12-31 0000039263 2024-12-31 0000039263 us-gaap:RetainedEarningsMember 2025-01-01 2025-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0000039263 us-gaap:TreasuryStockCommonMember 2025-01-01 2025-06-30 0000039263 us-gaap:AdditionalPaidInCapitalMember 2025-01-01 2025-06-30 0000039263 us-gaap:ResidentialMortgageBackedSecuritiesMember 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-06-30 0000039263 us-gaap:OtherInvestmentsMember 2026-06-30 0000039263 us-gaap:ResidentialMortgageBackedSecuritiesMember 2025-12-31 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000039263 us-gaap:OtherInvestmentsMember 2025-12-31 0000039263 us-gaap:HeldtomaturitySecuritiesMember 2026-06-30 0000039263 us-gaap:HeldtomaturitySecuritiesMember 2025-12-31 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2026-06-30 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2026-06-30 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2026-06-30 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2026-06-30 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-06-30 0000039263 srt:MoodysAaaRatingMember us-gaap:OtherInvestmentsMember 2026-06-30 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2026-06-30 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2026-06-30 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2026-06-30 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2026-06-30 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-06-30 0000039263 srt:MoodysAa1RatingMember us-gaap:OtherInvestmentsMember 2026-06-30 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2026-06-30 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2026-06-30 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2026-06-30 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2026-06-30 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-06-30 0000039263 cfr:AMember us-gaap:OtherInvestmentsMember 2026-06-30 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2026-06-30 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2026-06-30 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2026-06-30 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2026-06-30 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-06-30 0000039263 cfr:NotratedMember us-gaap:OtherInvestmentsMember 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2026-06-30 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2025-12-31 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2025-12-31 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2025-12-31 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2025-12-31 0000039263 srt:MoodysAaaRatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000039263 srt:MoodysAaaRatingMember us-gaap:OtherInvestmentsMember 2025-12-31 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2025-12-31 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2025-12-31 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2025-12-31 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2025-12-31 0000039263 srt:MoodysAa1RatingMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000039263 srt:MoodysAa1RatingMember us-gaap:OtherInvestmentsMember 2025-12-31 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2025-12-31 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2025-12-31 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2025-12-31 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2025-12-31 0000039263 cfr:AMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000039263 cfr:AMember us-gaap:OtherInvestmentsMember 2025-12-31 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2025-12-31 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2025-12-31 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2025-12-31 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2025-12-31 0000039263 cfr:NotratedMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000039263 cfr:NotratedMember us-gaap:OtherInvestmentsMember 2025-12-31 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:NotGuaranteedorPreRefundedMember 2025-12-31 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedbytheTexasPSFMember 2025-12-31 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:GuaranteedByThirdPartyMember 2025-12-31 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember cfr:PreRefundedMember 2025-12-31 0000039263 us-gaap:DebtSecuritiesMember 2026-03-31 0000039263 us-gaap:DebtSecuritiesMember 2025-03-31 0000039263 us-gaap:DebtSecuritiesMember 2025-12-31 0000039263 us-gaap:DebtSecuritiesMember 2024-12-31 0000039263 us-gaap:DebtSecuritiesMember 2026-04-01 2026-06-30 0000039263 us-gaap:DebtSecuritiesMember 2025-04-01 2025-06-30 0000039263 us-gaap:DebtSecuritiesMember 2026-01-01 2026-06-30 0000039263 us-gaap:DebtSecuritiesMember 2025-01-01 2025-06-30 0000039263 us-gaap:DebtSecuritiesMember 2026-06-30 0000039263 us-gaap:DebtSecuritiesMember 2025-06-30 0000039263 us-gaap:USTreasurySecuritiesMember 2026-06-30 0000039263 us-gaap:USTreasurySecuritiesMember 2025-12-31 0000039263 us-gaap:AvailableforsaleSecuritiesMember 2026-06-30 0000039263 us-gaap:AvailableforsaleSecuritiesMember 2025-12-31 0000039263 us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:EnergyProductionMember 2026-06-30 0000039263 cfr:EnergyProductionMember 2025-12-31 0000039263 us-gaap:EnergyServiceMember 2026-06-30 0000039263 us-gaap:EnergyServiceMember 2025-12-31 0000039263 cfr:EnergyOtherMember 2026-06-30 0000039263 cfr:EnergyOtherMember 2025-12-31 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 us-gaap:ConstructionLoansMember 2026-06-30 0000039263 us-gaap:ConstructionLoansMember 2025-12-31 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 us-gaap:HomeEquityMember 2026-06-30 0000039263 us-gaap:HomeEquityMember 2025-12-31 0000039263 us-gaap:HomeEquityLoanMember 2026-06-30 0000039263 us-gaap:HomeEquityLoanMember 2025-12-31 0000039263 cfr:HomeImprovementLoansMember 2026-06-30 0000039263 cfr:HomeImprovementLoansMember 2025-12-31 0000039263 us-gaap:ResidentialMortgageMember 2026-06-30 0000039263 us-gaap:ResidentialMortgageMember 2025-12-31 0000039263 cfr:OtherconsumerrealestateloansMember 2026-06-30 0000039263 cfr:OtherconsumerrealestateloansMember 2025-12-31 0000039263 cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:TotalconsumerrealestateloansMember 2025-12-31 0000039263 us-gaap:RealEstateLoanMember 2026-06-30 0000039263 us-gaap:RealEstateLoanMember 2025-12-31 0000039263 us-gaap:ConsumerLoanMember 2026-06-30 0000039263 us-gaap:ConsumerLoanMember 2025-12-31 0000039263 us-gaap:AutomobileLoanMember 2026-06-30 0000039263 us-gaap:CommitmentsToExtendCreditMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 us-gaap:StandbyLettersOfCreditMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 us-gaap:CommitmentsToExtendCreditMember us-gaap:AutomobileLoanMember 2026-06-30 0000039263 us-gaap:StandbyLettersOfCreditMember us-gaap:AutomobileLoanMember 2026-06-30 0000039263 us-gaap:LoansReceivableMember 2026-06-30 0000039263 us-gaap:LoansReceivableMember 2025-12-31 0000039263 cfr:LoansHeldForSaleMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:LoansHeldForSaleMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:LoansHeldForSaleMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember 2025-12-31 0000039263 us-gaap:NonperformingFinancingReceivableMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 us-gaap:NonperformingFinancingReceivableMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 us-gaap:NonperformingFinancingReceivableMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:NonperformingFinancingReceivableMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 us-gaap:NonperformingFinancingReceivableMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 us-gaap:NonperformingFinancingReceivableMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:NonperformingFinancingReceivableMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:NonperformingFinancingReceivableMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:NonperformingFinancingReceivableMember 2026-06-30 0000039263 cfr:NonAccrualLoansMember 2026-04-01 2026-06-30 0000039263 cfr:NonAccrualLoansMember 2026-01-01 2026-06-30 0000039263 cfr:NonAccrualLoansMember 2025-04-01 2025-06-30 0000039263 cfr:NonAccrualLoansMember 2025-01-01 2025-06-30 0000039263 cfr:FinancingReceivables30to89DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 us-gaap:FinancialAssetPastDueMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 us-gaap:FinancialAssetNotPastDueMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:FinancingReceivables30to89DaysPastDueMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 us-gaap:FinancialAssetPastDueMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 us-gaap:FinancialAssetNotPastDueMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:FinancingReceivables30to89DaysPastDueMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:FinancialAssetPastDueMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:FinancialAssetNotPastDueMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:FinancingReceivables30to89DaysPastDueMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:FinancialAssetPastDueMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:FinancialAssetNotPastDueMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:FinancingReceivables30to89DaysPastDueMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 us-gaap:FinancialAssetPastDueMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 us-gaap:FinancialAssetNotPastDueMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:FinancingReceivables30to89DaysPastDueMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 us-gaap:FinancialAssetPastDueMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 us-gaap:FinancialAssetNotPastDueMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:FinancingReceivables30to89DaysPastDueMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 us-gaap:FinancialAssetPastDueMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 us-gaap:FinancialAssetNotPastDueMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember cfr:CommercialRealEstateOwnerOccupiedMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember cfr:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember cfr:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember cfr:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:ConstructionLoansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:ConstructionLoansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:ConstructionLoansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:LoansHeldForSaleMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember us-gaap:AdditionalFundingAgreementTermsMember 2026-06-30 0000039263 cfr:CommercialRealEstateNonOwnerOccupiedMember us-gaap:PaymentDeferralMember 2026-06-30 0000039263 cfr:CommercialRealEstateNonOwnerOccupiedMember us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0000039263 us-gaap:PaymentDeferralMember 2026-06-30 0000039263 us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000039263 us-gaap:ConstructionLoansMember us-gaap:PaymentDeferralMember 2025-06-30 0000039263 us-gaap:ConstructionLoansMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000039263 us-gaap:PaymentDeferralMember 2025-06-30 0000039263 us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember cfr:CombinationPaymentDelayAndTermExtentionMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember cfr:CombinationPaymentDelayAndTermExtentionMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000039263 us-gaap:ConstructionLoansMember us-gaap:PaymentDeferralMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 us-gaap:ConstructionLoansMember cfr:CombinationPaymentDelayAndTermExtentionMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 us-gaap:ConstructionLoansMember us-gaap:PaymentDeferralMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000039263 us-gaap:ConstructionLoansMember cfr:CombinationPaymentDelayAndTermExtentionMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:PaymentDeferralMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cfr:CombinationPaymentDelayAndTermExtentionMember 2026-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:PaymentDeferralMember 2025-06-30 0000039263 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cfr:CombinationPaymentDelayAndTermExtentionMember 2025-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember cfr:ChargeOffsMember 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember cfr:CombinationPaymentDelayAndTermExtentionMember cfr:ChargeOffsMember 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember cfr:ChargeOffsMember 2025-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember cfr:CombinationPaymentDelayAndTermExtentionMember cfr:ChargeOffsMember 2025-06-30 0000039263 cfr:RiskGradeOneToEightMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember cfr:RiskGradeOneToEightMember 2026-06-30 0000039263 cfr:RiskGradeNineMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember cfr:RiskGradeNineMember 2026-06-30 0000039263 cfr:RiskGradeTenMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember cfr:RiskGradeTenMember 2026-06-30 0000039263 cfr:RiskGradeElevenMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember cfr:RiskGradeElevenMember 2026-06-30 0000039263 cfr:RiskGradeTwelveMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember cfr:RiskGradeTwelveMember 2026-06-30 0000039263 cfr:RiskGradeThirteenMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember cfr:RiskGradeThirteenMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:A2026Member us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:A2025Member us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:A2024Member us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:A2023Member us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:A2022Member us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:PriorYearsMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:RiskGradeOneToEightMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember cfr:RiskGradeOneToEightMember 2026-06-30 0000039263 cfr:RiskGradeNineMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember cfr:RiskGradeNineMember 2026-06-30 0000039263 cfr:RiskGradeTenMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember cfr:RiskGradeTenMember 2026-06-30 0000039263 cfr:RiskGradeElevenMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember cfr:RiskGradeElevenMember 2026-06-30 0000039263 cfr:RiskGradeTwelveMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember cfr:RiskGradeTwelveMember 2026-06-30 0000039263 cfr:RiskGradeThirteenMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember cfr:RiskGradeThirteenMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:A2026Member cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:A2025Member cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:A2024Member cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:A2023Member cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:A2022Member cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:PriorYearsMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:RiskGradeOneToEightMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember cfr:RiskGradeOneToEightMember 2026-06-30 0000039263 cfr:RiskGradeNineMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember cfr:RiskGradeNineMember 2026-06-30 0000039263 cfr:RiskGradeTenMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember cfr:RiskGradeTenMember 2026-06-30 0000039263 cfr:RiskGradeElevenMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember cfr:RiskGradeElevenMember 2026-06-30 0000039263 cfr:RiskGradeTwelveMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember cfr:RiskGradeTwelveMember 2026-06-30 0000039263 cfr:RiskGradeThirteenMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember cfr:RiskGradeThirteenMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2026Member cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2025Member cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2024Member cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2023Member cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2022Member cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:PriorYearsMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:RiskGradeOneToEightMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember cfr:RiskGradeOneToEightMember 2026-06-30 0000039263 cfr:RiskGradeNineMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember cfr:RiskGradeNineMember 2026-06-30 0000039263 cfr:RiskGradeTenMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember cfr:RiskGradeTenMember 2026-06-30 0000039263 cfr:RiskGradeElevenMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember cfr:RiskGradeElevenMember 2026-06-30 0000039263 cfr:RiskGradeTwelveMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember cfr:RiskGradeTwelveMember 2026-06-30 0000039263 cfr:RiskGradeThirteenMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember cfr:RiskGradeThirteenMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2026Member cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2025Member cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2024Member cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2023Member cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:A2022Member cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:PriorYearsMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:RiskGradeOneToEightMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember cfr:RiskGradeOneToEightMember 2026-06-30 0000039263 cfr:RiskGradeNineMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember cfr:RiskGradeNineMember 2026-06-30 0000039263 cfr:RiskGradeTenMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember cfr:RiskGradeTenMember 2026-06-30 0000039263 cfr:RiskGradeElevenMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember cfr:RiskGradeElevenMember 2026-06-30 0000039263 cfr:RiskGradeTwelveMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember cfr:RiskGradeTwelveMember 2026-06-30 0000039263 cfr:RiskGradeThirteenMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember cfr:RiskGradeThirteenMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:A2026Member us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:A2025Member us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:A2024Member us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:A2023Member us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:A2022Member us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:PriorYearsMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:A2026Member us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:A2025Member us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:A2024Member us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:A2023Member us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:A2022Member us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:PriorYearsMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:RiskGradeOneToEightMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeOneToEightMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:RiskGradeOneToEightMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeOneToEightMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeOneToEightMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:RiskGradeOneToEightMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeNineMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeNineMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:RiskGradeNineMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeNineMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeNineMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:RiskGradeNineMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeTenMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeTenMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:RiskGradeTenMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeTenMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeTenMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:RiskGradeTenMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeElevenMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeElevenMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:RiskGradeElevenMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeElevenMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeElevenMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:RiskGradeElevenMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeTwelveMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeTwelveMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:RiskGradeTwelveMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeTwelveMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeTwelveMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:RiskGradeTwelveMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeThirteenMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:RiskGradeThirteenMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:RiskGradeThirteenMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeThirteenMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 cfr:RiskGradeThirteenMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:RiskGradeThirteenMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:A2026Member cfr:TotalconsumerrealestateloansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2025Member cfr:TotalconsumerrealestateloansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2024Member cfr:TotalconsumerrealestateloansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2023Member cfr:TotalconsumerrealestateloansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2022Member cfr:TotalconsumerrealestateloansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:PriorYearsMember cfr:TotalconsumerrealestateloansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember cfr:TotalconsumerrealestateloansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2026Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2025Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2024Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2023Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2022Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:PriorYearsMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2026Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2025Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2024Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2023Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2022Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:PriorYearsMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2026Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2025Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2024Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2023Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2022Member cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:PriorYearsMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2026Member cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:A2025Member cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:A2024Member cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:A2023Member cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:A2022Member cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:PriorYearsMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:A2026Member us-gaap:ConsumerLoanMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2025Member us-gaap:ConsumerLoanMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2024Member us-gaap:ConsumerLoanMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2023Member us-gaap:ConsumerLoanMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2022Member us-gaap:ConsumerLoanMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:PriorYearsMember us-gaap:ConsumerLoanMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember us-gaap:ConsumerLoanMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember cfr:FinancingReceivables30to89DaysPastDueMember 2026-06-30 0000039263 cfr:A2026Member us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2025Member us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2024Member us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2023Member us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2022Member us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:PriorYearsMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0000039263 cfr:A2026Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2025Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2024Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2023Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2022Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:PriorYearsMember us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-06-30 0000039263 cfr:A2026Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2025Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2024Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2023Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2022Member us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:PriorYearsMember us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0000039263 cfr:A2026Member us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:A2025Member us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:A2024Member us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:A2023Member us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:A2022Member us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:PriorYearsMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 us-gaap:RevolvingCreditFacilityMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember 2026-04-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember 2025-04-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember 2026-01-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-04-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-04-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-01-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-01-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-04-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-04-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-01-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-01-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-04-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-04-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-01-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-01-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember 2026-04-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember 2025-04-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember 2026-01-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConstructionLoansMember 2025-01-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember 2026-04-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember 2025-04-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember 2026-01-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember cfr:TotalconsumerrealestateloansMember 2025-01-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember 2026-04-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember 2025-04-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember 2026-01-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember us-gaap:ConsumerLoanMember 2025-01-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember 2026-04-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember 2025-04-01 2025-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember 2026-01-01 2026-06-30 0000039263 cfr:RevolvingLoansConvertedtoTermMember 2025-01-01 2025-06-30 0000039263 cfr:ModeledExpectedCreditLossesMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:ModeledExpectedCreditLossesMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:ModeledExpectedCreditLossesMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:ModeledExpectedCreditLossesMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:ModeledExpectedCreditLossesMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:ModeledExpectedCreditLossesMember 2026-06-30 0000039263 cfr:QfactoradjustmentsMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:QfactoradjustmentsMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:QfactoradjustmentsMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:QfactoradjustmentsMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:QfactoradjustmentsMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:QfactoradjustmentsMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember 2026-06-30 0000039263 us-gaap:LoansReceivableMember 2026-06-30 0000039263 cfr:ModeledExpectedCreditLossesMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:ModeledExpectedCreditLossesMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:ModeledExpectedCreditLossesMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:ModeledExpectedCreditLossesMember cfr:TotalconsumerrealestateloansMember 2025-12-31 0000039263 cfr:ModeledExpectedCreditLossesMember us-gaap:ConsumerLoanMember 2025-12-31 0000039263 cfr:ModeledExpectedCreditLossesMember 2025-12-31 0000039263 cfr:QfactoradjustmentsMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:QfactoradjustmentsMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:QfactoradjustmentsMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:QfactoradjustmentsMember cfr:TotalconsumerrealestateloansMember 2025-12-31 0000039263 cfr:QfactoradjustmentsMember us-gaap:ConsumerLoanMember 2025-12-31 0000039263 cfr:QfactoradjustmentsMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember cfr:TotalconsumerrealestateloansMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember us-gaap:ConsumerLoanMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember 2025-12-31 0000039263 us-gaap:LoansReceivableMember 2025-12-31 0000039263 us-gaap:CommercialPortfolioSegmentMember 2026-03-31 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-03-31 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-03-31 0000039263 cfr:TotalconsumerrealestateloansMember 2026-03-31 0000039263 us-gaap:ConsumerLoanMember 2026-03-31 0000039263 us-gaap:LoansReceivableMember 2026-03-31 0000039263 us-gaap:CommercialPortfolioSegmentMember 2026-04-01 2026-06-30 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-04-01 2026-06-30 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-04-01 2026-06-30 0000039263 cfr:TotalconsumerrealestateloansMember 2026-04-01 2026-06-30 0000039263 us-gaap:ConsumerLoanMember 2026-04-01 2026-06-30 0000039263 us-gaap:LoansReceivableMember 2026-04-01 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember 2025-03-31 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-03-31 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-03-31 0000039263 cfr:TotalconsumerrealestateloansMember 2025-03-31 0000039263 us-gaap:ConsumerLoanMember 2025-03-31 0000039263 us-gaap:LoansReceivableMember 2025-03-31 0000039263 us-gaap:CommercialPortfolioSegmentMember 2025-04-01 2025-06-30 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-04-01 2025-06-30 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-04-01 2025-06-30 0000039263 cfr:TotalconsumerrealestateloansMember 2025-04-01 2025-06-30 0000039263 us-gaap:ConsumerLoanMember 2025-04-01 2025-06-30 0000039263 us-gaap:LoansReceivableMember 2025-04-01 2025-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember 2025-06-30 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-06-30 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-06-30 0000039263 cfr:TotalconsumerrealestateloansMember 2025-06-30 0000039263 us-gaap:ConsumerLoanMember 2025-06-30 0000039263 us-gaap:LoansReceivableMember 2025-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember 2026-01-01 2026-06-30 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-01-01 2026-06-30 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-01-01 2026-06-30 0000039263 cfr:TotalconsumerrealestateloansMember 2026-01-01 2026-06-30 0000039263 us-gaap:ConsumerLoanMember 2026-01-01 2026-06-30 0000039263 us-gaap:LoansReceivableMember 2026-01-01 2026-06-30 0000039263 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2024-12-31 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-12-31 0000039263 cfr:TotalconsumerrealestateloansMember 2024-12-31 0000039263 us-gaap:ConsumerLoanMember 2024-12-31 0000039263 us-gaap:LoansReceivableMember 2024-12-31 0000039263 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-06-30 0000039263 cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-01-01 2025-06-30 0000039263 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-01-01 2025-06-30 0000039263 cfr:TotalconsumerrealestateloansMember 2025-01-01 2025-06-30 0000039263 us-gaap:ConsumerLoanMember 2025-01-01 2025-06-30 0000039263 us-gaap:LoansReceivableMember 2025-01-01 2025-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:CommercialRealEstateOwnerOccupiedMember 2026-01-01 2026-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-01-01 2026-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 us-gaap:ConstructionLoansMember 2026-01-01 2026-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember 2026-06-30 0000039263 us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember us-gaap:NonperformingFinancingReceivableMember us-gaap:BankOverdraftsMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember cfr:CommercialandIndustrialTotalEnergyLoansMember 2025-12-31 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember cfr:CommercialRealEstateOwnerOccupiedMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember cfr:CommercialRealEstateOwnerOccupiedMember 2025-12-31 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember cfr:CommercialRealEstateNonOwnerOccupiedMember 2025-12-31 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:SpecificValuationAllowancesMember us-gaap:ConstructionLoansMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:SpecificValuationAllowancesMember us-gaap:ConstructionLoansMember 2025-12-31 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember cfr:TotalconsumerrealestateloansMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember cfr:TotalconsumerrealestateloansMember 2025-12-31 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember us-gaap:ConsumerLoanMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember us-gaap:ConsumerLoanMember 2025-12-31 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember 2026-06-30 0000039263 cfr:LoansIndividuallyEvaluatedForImpairmentMember 2025-12-31 0000039263 cfr:PublicFundsMember 2026-06-30 0000039263 cfr:PublicFundsMember 2025-12-31 0000039263 us-gaap:CommitmentsToExtendCreditMember 2026-06-30 0000039263 us-gaap:CommitmentsToExtendCreditMember 2025-12-31 0000039263 us-gaap:StandbyLettersOfCreditMember 2026-06-30 0000039263 us-gaap:StandbyLettersOfCreditMember 2025-12-31 0000039263 cfr:DeferredStandbyLetterOfCreditFeesMember 2026-06-30 0000039263 cfr:DeferredStandbyLetterOfCreditFeesMember 2025-12-31 0000039263 cfr:CullenFrostMember 2025-12-31 0000039263 cfr:CullenFrostMember 2026-06-30 0000039263 cfr:CullenFrostMember 2025-01-01 2025-12-31 0000039263 cfr:CullenFrostMember 2026-01-01 2026-06-30 0000039263 cfr:FrostBankMember 2026-06-30 0000039263 cfr:FrostBankMember 2025-12-31 0000039263 us-gaap:SubordinatedDebtMember 2025-01-01 2025-12-31 0000039263 us-gaap:SubordinatedDebtMember 2026-01-01 2026-06-30 0000039263 cfr:CullenFrostMember us-gaap:SubordinatedDebtMember 2025-12-31 0000039263 cfr:TrustPreferredSecuritiesTierTwoCapitalAllowablePortionMember cfr:CullenFrostMember 2025-01-01 2025-12-31 0000039263 cfr:TrustPreferredSecuritiesTierTwoCapitalAllowablePortionMember cfr:CullenFrostMember 2026-01-01 2026-06-30 0000039263 cfr:CullenFrostMember us-gaap:SubordinatedDebtMember 2026-06-30 0000039263 cfr:SeriesBPreferredStockEquivalentDepositarySharesMemberMember 2026-06-30 0000039263 us-gaap:SeriesBPreferredStockMember 2020-11-19 2020-11-19 0000039263 cfr:StockRepurchase2026PlanMember 2026-01-28 0000039263 cfr:StockRepurchase2026PlanMember 2026-01-28 2026-01-28 0000039263 cfr:StockRepurchase2026PlanMember us-gaap:TreasuryStockCommonMember 2026-01-01 2026-06-30 0000039263 cfr:ShareAwardsVestingMember us-gaap:TreasuryStockCommonMember 2026-01-01 2026-06-30 0000039263 cfr:PriorStockRepurchasePlansMember us-gaap:TreasuryStockCommonMember 2025-01-01 2025-06-30 0000039263 cfr:ShareAwardsVestingMember us-gaap:TreasuryStockCommonMember 2025-01-01 2025-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesSecuritiesInterestRateSwapsAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2026-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesSecuritiesInterestRateSwapsAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000039263 cfr:FinancialInstitutionCounterpartiesLoanLeaseInterestRateSwapsAssetsMember us-gaap:NondesignatedMember 2026-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesLoanLeaseInterestRateSwapsAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000039263 cfr:FinancialInstitutionCounterpartiesLoanLeaseInterestRateSwapsLiabilitiesMember us-gaap:NondesignatedMember 2026-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesLoanLeaseInterestRateSwapsLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000039263 cfr:FinancialInstitutionCounterpartiesLoanLeaseInterestRateCapsAssetsMember us-gaap:NondesignatedMember 2026-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesLoanLeaseInterestRateCapsAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000039263 cfr:CustomerCounterpartiesLoanLeaseInterestRateSwapsAssetsMember us-gaap:NondesignatedMember 2026-06-30 0000039263 cfr:CustomerCounterpartiesLoanLeaseInterestRateSwapsAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000039263 cfr:CustomerCounterpartiesLoanLeaseInterestRateSwapsLiabilitiesMember us-gaap:NondesignatedMember 2026-06-30 0000039263 cfr:CustomerCounterpartiesLoanLeaseInterestRateSwapsLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000039263 cfr:CustomerCounterpartiesLoanLeaseInterestRateCapsLiabilitiesMember us-gaap:NondesignatedMember 2026-06-30 0000039263 cfr:CustomerCounterpartiesLoanLeaseInterestRateCapsLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000039263 cfr:FinancialInstitutionCounterpartiesMember cfr:WeightedAverageInterestRatePaidMember 2026-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesMember cfr:WeightedAverageInterestRateReceivedMember 2026-06-30 0000039263 cfr:CustomerCounterpartiesMember cfr:WeightedAverageInterestRatePaidMember 2026-06-30 0000039263 cfr:CustomerCounterpartiesMember cfr:WeightedAverageInterestRateReceivedMember 2026-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesMember cfr:OilCommodityDerivativeMember 2026-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesMember cfr:OilCommodityDerivativeMember 2025-12-31 0000039263 cfr:FinancialInstitutionCounterpartiesMember cfr:NaturalGasCommodityDerivativeMember 2026-06-30 0000039263 cfr:FinancialInstitutionCounterpartiesMember cfr:NaturalGasCommodityDerivativeMember 2025-12-31 0000039263 cfr:CustomerCounterpartiesMember cfr:OilCommodityDerivativeMember 2026-06-30 0000039263 cfr:CustomerCounterpartiesMember cfr:OilCommodityDerivativeMember 2025-12-31 0000039263 cfr:CustomerCounterpartiesMember cfr:NaturalGasCommodityDerivativeMember 2026-06-30 0000039263 cfr:CustomerCounterpartiesMember cfr:NaturalGasCommodityDerivativeMember 2025-12-31 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:DesignatedAsHedgingInstrumentMember 2026-04-01 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-04-01 2025-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:DesignatedAsHedgingInstrumentMember 2026-01-01 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-01-01 2025-06-30 0000039263 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:OtherIncomeMember 2026-04-01 2026-06-30 0000039263 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:OtherIncomeMember 2025-04-01 2025-06-30 0000039263 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:OtherIncomeMember 2026-01-01 2026-06-30 0000039263 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:OtherIncomeMember 2025-01-01 2025-06-30 0000039263 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:OtherExpenseMember 2026-04-01 2026-06-30 0000039263 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:OtherExpenseMember 2025-04-01 2025-06-30 0000039263 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:OtherExpenseMember 2026-01-01 2026-06-30 0000039263 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:OtherExpenseMember 2025-01-01 2025-06-30 0000039263 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2026-04-01 2026-06-30 0000039263 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2025-04-01 2025-06-30 0000039263 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2026-01-01 2026-06-30 0000039263 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2025-01-01 2025-06-30 0000039263 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2026-04-01 2026-06-30 0000039263 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-04-01 2025-06-30 0000039263 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2026-01-01 2026-06-30 0000039263 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-01-01 2025-06-30 0000039263 cfr:InterestRateSwapsWithUpstreamFinancialInstitutionCounterpartiesMember 2026-06-30 0000039263 cfr:InterestRateContractsMember 2026-06-30 0000039263 cfr:CommoditySwapsAndOptionsMember 2026-06-30 0000039263 cfr:CounterpartyHMember 2026-06-30 0000039263 cfr:CounterpartyFMember 2026-06-30 0000039263 cfr:CounterpartyBMember 2026-06-30 0000039263 cfr:CounterpartyEMember 2026-06-30 0000039263 cfr:OtherCounterpartiesMember 2026-06-30 0000039263 2025-01-01 2025-12-31 0000039263 cfr:InterestRateContractsMember 2025-12-31 0000039263 cfr:CommoditySwapsAndOptionsMember 2025-12-31 0000039263 cfr:CounterpartyHMember 2025-12-31 0000039263 cfr:CounterpartyFMember 2025-12-31 0000039263 cfr:CounterpartyBMember 2025-12-31 0000039263 cfr:CounterpartyEMember 2025-12-31 0000039263 cfr:OtherCounterpartiesMember 2025-12-31 0000039263 us-gaap:PerformanceSharesMember 2026-06-30 0000039263 cfr:DeferredStockUnitsOutstandingMember 2025-12-31 0000039263 cfr:NonVestedStockAwardsOutstandingMember 2025-12-31 0000039263 srt:MaximumMember us-gaap:PerformanceSharesMember 2025-12-31 0000039263 cfr:DeferredStockUnitsOutstandingMember 2026-01-01 2026-06-30 0000039263 cfr:NonVestedStockAwardsOutstandingMember 2026-01-01 2026-06-30 0000039263 srt:MaximumMember us-gaap:PerformanceSharesMember 2026-01-01 2026-06-30 0000039263 cfr:DeferredStockUnitsOutstandingMember 2026-06-30 0000039263 cfr:NonVestedStockAwardsOutstandingMember 2026-06-30 0000039263 srt:MaximumMember us-gaap:PerformanceSharesMember 2026-06-30 0000039263 cfr:NonVestedStockAwardsOutstandingMember 2026-04-01 2026-06-30 0000039263 cfr:NonVestedStockAwardsOutstandingMember 2025-04-01 2025-06-30 0000039263 cfr:NonVestedStockAwardsOutstandingMember 2025-01-01 2025-06-30 0000039263 cfr:DeferredStockUnitsOutstandingMember 2026-04-01 2026-06-30 0000039263 cfr:DeferredStockUnitsOutstandingMember 2025-04-01 2025-06-30 0000039263 cfr:DeferredStockUnitsOutstandingMember 2025-01-01 2025-06-30 0000039263 us-gaap:PerformanceSharesMember 2026-04-01 2026-06-30 0000039263 us-gaap:PerformanceSharesMember 2025-04-01 2025-06-30 0000039263 us-gaap:PerformanceSharesMember 2026-01-01 2026-06-30 0000039263 us-gaap:PerformanceSharesMember 2025-01-01 2025-06-30 0000039263 us-gaap:AvailableforsaleSecuritiesMember 2025-12-31 0000039263 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-12-31 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-12-31 0000039263 us-gaap:AvailableforsaleSecuritiesMember 2026-01-01 2026-06-30 0000039263 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2026-01-01 2026-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0000039263 us-gaap:AvailableforsaleSecuritiesMember 2026-06-30 0000039263 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2026-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-06-30 0000039263 us-gaap:AvailableforsaleSecuritiesMember 2024-12-31 0000039263 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-12-31 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0000039263 us-gaap:AvailableforsaleSecuritiesMember 2025-01-01 2025-06-30 0000039263 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-01-01 2025-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0000039263 us-gaap:AvailableforsaleSecuritiesMember 2025-06-30 0000039263 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-06-30 0000039263 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-06-30 0000039263 cfr:BankMember 2026-04-01 2026-06-30 0000039263 cfr:FrostWealthAdvisorsMember 2026-04-01 2026-06-30 0000039263 cfr:NonBanksMember 2026-04-01 2026-06-30 0000039263 cfr:BankMember 2025-04-01 2025-06-30 0000039263 cfr:FrostWealthAdvisorsMember 2025-04-01 2025-06-30 0000039263 cfr:NonBanksMember 2025-04-01 2025-06-30 0000039263 cfr:BankMember 2026-01-01 2026-06-30 0000039263 cfr:FrostWealthAdvisorsMember 2026-01-01 2026-06-30 0000039263 cfr:NonBanksMember 2026-01-01 2026-06-30 0000039263 cfr:BankMember 2025-01-01 2025-06-30 0000039263 cfr:FrostWealthAdvisorsMember 2025-01-01 2025-06-30 0000039263 cfr:NonBanksMember 2025-01-01 2025-06-30 0000039263 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000039263 us-gaap:USTreasurySecuritiesMember 2026-06-30 0000039263 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000039263 us-gaap:ResidentialMortgageBackedSecuritiesMember 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-06-30 0000039263 us-gaap:OtherInvestmentsMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000039263 us-gaap:OtherInvestmentsMember 2026-06-30 0000039263 cfr:InterestRateSwapsCapsAndFloorsMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000039263 cfr:InterestRateSwapsCapsAndFloorsMember 2026-06-30 0000039263 cfr:CommoditySwapsAndOptionsMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000039263 cfr:CommoditySwapsAndOptionsMember 2026-06-30 0000039263 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000039263 us-gaap:USTreasurySecuritiesMember 2025-12-31 0000039263 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000039263 us-gaap:ResidentialMortgageBackedSecuritiesMember 2025-12-31 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000039263 us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000039263 us-gaap:OtherInvestmentsMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000039263 us-gaap:OtherInvestmentsMember 2025-12-31 0000039263 cfr:InterestRateSwapsCapsAndFloorsMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000039263 cfr:InterestRateSwapsCapsAndFloorsMember 2025-12-31 0000039263 cfr:CommoditySwapsAndOptionsMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000039263 cfr:CommoditySwapsAndOptionsMember 2025-12-31 0000039263 us-gaap:FairValueInputsLevel2Member 2026-06-30 0000039263 us-gaap:FairValueInputsLevel3Member 2026-06-30 0000039263 us-gaap:FairValueInputsLevel2Member 2025-06-30 0000039263 us-gaap:FairValueInputsLevel3Member 2025-06-30 0000039263 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000039263 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000039263 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000039263 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000039263 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000039263 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000039263 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000039263 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2025-12-31 United States Securities and Exchange Commission Washington, D.C.
Bull / Bear case
Generated · model-assistedBULL CASE · 4
Net margin of 5.3% ranks as best-in-class compared to the 0.3% median across 867 bank peers.
Total assets grew at a 1.6% compound annual rate over the last five periods, indicating steady balance sheet expansion.
The stock trades at 1.41 times tangible book value, offering a reasonable valuation multiple for a financial institution.
Revenue demonstrated a 6.6% compound annual growth rate over the five-period span ending in fiscal 2025.
BEAR CASE · 3
Net income fell 10.2% year-over-year in fiscal 2025, reflecting weakening profitability despite high historical margins.
The company faces a medium level of dilution risk, which could negatively impact per-share value for existing investors.
Cash conversion ratio of 0.42 is below the 1.13 median for the bank cohort, suggesting weaker cash generation efficiency.
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-06-30
Q1 2026 · Quarter highlights
Revenue $66.3M; Net margin 517.1%.
Revenue$66.3M
Operating income—
Net income$343.0M
Free cash flow$191.6M
EPS—
Operating cash flow$290.3M
Financials
Income statement
Revenue$66.3M
Gross profit—
Operating income—
Net income$343.0M
Margins
Gross margin—
Operating margin—
Net margin517.1%
FCF margin288.8%
Balance sheet
Total assets$53.88B
Total liabilities$49.26B
Total equity$4.62B
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$290.3M
CapEx$98.7M
Free cash flow$191.6M
SBC$10.6M
Highlights
- ▍Revenue $66.3M
- ▍Net margin 517.1%
QUARTERLYFiled 2026-03-31
Q4 2025 · Quarter highlights
Revenue $32.2M; Net margin 531.7%.
Revenue$32.2M
Operating income—
Net income$171.0M
Free cash flow$198.7M
EPS—
Operating cash flow$237.3M
Financials
Income statement
Revenue$32.2M
Gross profit—
Operating income—
Net income$171.0M
Margins
Gross margin—
Operating margin—
Net margin531.7%
FCF margin618.0%
Balance sheet
Total assets$52.72B
Total liabilities$48.19B
Total equity$4.53B
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$237.3M
CapEx$38.6M
Free cash flow$198.7M
SBC$5.2M
Highlights
- ▍Revenue $32.2M
- ▍Net margin 531.7%
ANNUALFiled 2025-12-31
FY 2025 · Full-year highlights
Revenue $121.6M; Net margin 533.5%.
Revenue$121.6M
Operating income—
Net income$648.6M
Free cash flow$127.3M
EPS—
Operating cash flow$274.0M
Financials
Income statement
Revenue$121.6M
Gross profit—
Operating income—
Net income$648.6M
Margins
Gross margin—
Operating margin—
Net margin533.5%
FCF margin104.7%
Balance sheet
Total assets$53.04B
Total liabilities$48.47B
Total equity$4.57B
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$274.0M
CapEx$146.7M
Free cash flow$127.3M
SBC$24.8M
P&L flow · revenue → net income
Highlights
- ▍Revenue $121.6M
- ▍Net margin 533.5%
ANNUALFiled 2024-12-31
FY 2024 · Full-year highlights
Revenue $106.2M; Net margin 548.4%.
Revenue$106.2M
Operating income—
Net income$582.5M
Free cash flow$861.8M
EPS—
Operating cash flow$989.5M
Financials
Income statement
Revenue$106.2M
Gross profit—
Operating income—
Net income$582.5M
Margins
Gross margin—
Operating margin—
Net margin548.4%
FCF margin811.2%
Balance sheet
Total assets$52.52B
Total liabilities$48.62B
Total equity$3.90B
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$989.5M
CapEx$127.8M
Free cash flow$861.8M
SBC$19.8M
Highlights
- ▍Revenue $106.2M
- ▍Net margin 548.4%
ANNUALFiled 2024-12-31
FY 2025 · Full-year highlights
Revenue $106.2M; Net margin 548.4%.
Revenue$106.2M
Operating income—
Net income$582.5M
Free cash flow$861.8M
EPS—
Operating cash flow$989.5M
Financials
Income statement
Revenue$106.2M
Gross profit—
Operating income—
Net income$582.5M
Margins
Gross margin—
Operating margin—
Net margin548.4%
FCF margin811.2%
Balance sheet
Total assets$52.52B
Total liabilities$48.62B
Total equity$3.90B
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$989.5M
CapEx$127.8M
Free cash flow$861.8M
SBC$19.8M
Highlights
- ▍Revenue $106.2M
- ▍Net margin 548.4%
ANNUALFiled 2023-12-31
FY 2023 · Full-year highlights
Revenue $93.5M; Net margin 639.5%.
Revenue$93.5M
Operating income—
Net income$598.0M
Free cash flow$320.2M
EPS—
Operating cash flow$478.8M
Financials
Income statement
Revenue$93.5M
Gross profit—
Operating income—
Net income$598.0M
Margins
Gross margin—
Operating margin—
Net margin639.5%
FCF margin342.5%
Balance sheet
Total assets$50.85B
Total liabilities$47.13B
Total equity$3.72B
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$478.8M
CapEx$158.6M
Free cash flow$320.2M
SBC$24.6M
Highlights
- ▍Revenue $93.5M
- ▍Net margin 639.5%
ANNUALFiled 2023-12-31
FY 2024 · Full-year highlights
Revenue $93.5M; Net margin 639.5%.
Revenue$93.5M
Operating income—
Net income$598.0M
Free cash flow$320.2M
EPS—
Operating cash flow$478.8M
Financials
Income statement
Revenue$93.5M
Gross profit—
Operating income—
Net income$598.0M
Margins
Gross margin—
Operating margin—
Net margin639.5%
FCF margin342.5%
Balance sheet
Total assets$50.85B
Total liabilities$47.13B
Total equity$3.72B
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$478.8M
CapEx$158.6M
Free cash flow$320.2M
SBC$24.6M
Highlights
- ▍Revenue $93.5M
- ▍Net margin 639.5%
Valuation FY
Market price
$168,94
Market cap
$10.26B
Enterprise valueⓘ
—
P/Eⓘ
15.8x
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
—
P / Bⓘ
2.2x
P / Tangible bookⓘ
2.2x
Tangible book
$4.62B
Net cashⓘ
—
Current ratioⓘ
—
Debt / equityⓘ
—
ROAⓘ
1.2%
ROEⓘ
14.0%
Cash conversionⓘ
42.0%
CapEx / revenueⓘ
1.2%
SBC / revenueⓘ
20.4%
Dilution ratioⓘ
—
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 10,44 |
| Revenue | —no estimate | —no estimate | 2,4B USD |
| Operating income | —no estimate | —no estimate | 836,7M USD |
Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Corporate eventM&A horizon
M&A probabilityconf 3 %
Probability
3 %
Base rate
3 %
Band
—
180-day horizon · target 2027-01-31 · 1,0× base rate
No acquirer candidates identified by the signal model.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution15 analysts
Strong buy1
Buy5
Hold6
Sell1
Strong sell2
12-month price target$149,29 · Median $153,50
Low $125,00High $161,00
Operating income · consensus836,7M USD
EPS surprise
−5,0 %
reported vs consensus · miss
Revenue surprise
−6,5 %
reported vs consensus · miss
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$141,00
Mean$167,00
Median$167,50
High$195,00
Spot$168,94
−1.1 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskMedium
Liquidity riskUnknown
Filing-based flags
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Net Margin533,5 %Best in class
ROE14,0 %Above P75
Capex / Rev120,6 %Best in class
D/E0,00Above median
Cash Conv0,42Below median
Corporate actions / M&A
M&A probabilityconf —
Probability
3 %
Base rate
3 %
Band
Low
180-day horizon · target 2027-01-31 · 1,0× base rate
No acquirer candidates identified by the signal model.
Corporate actionsNo corporate-action source connected yet — splits, dividends and buyback events are not tracked for this company. Honest-dim (no data fabricated).
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
Derivative transactions
Net acquired 8 190 sh13 grants13 insiders
- Director · Deferred Stock Units → Common Stock, $0.01 par valueAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common Stock, $0.01 par valueAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
- Director · Deferred Stock Units → Common StockAcquired 630grant · 2026-04-29
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Return On Equitynet_income / total_equity
- Market Capmarket_price * shares_outstanding_diluted
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
Source documents
- CULLEN/FROST BANKERS, INC. company facts · 2026-08-01
- CULLEN/FROST BANKERS, INC. 10-Q 2026-07-30 · 2026-08-01
- CULLEN/FROST BANKERS, INC. 10-Q 2026-04-30 · 2026-08-01
- CULLEN/FROST BANKERS, INC. 10-K 2026-02-05 · 2026-08-01
- CULLEN/FROST BANKERS, INC. 10-Q 2025-10-30 · 2026-08-01
- pre_earnings_window (pre_earnings_window) on CFR · 2026-08-01
- Cullen/Frost Bankers Inc Market data — analyst estimates · 2026-08-01
- Cullen/Frost Bankers Inc Market data — ESG · 2026-08-01
- CULLEN/FROST BANKERS, INC. HA canonical relationships · 2026-08-01
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,08 %$108M
- Investment Managers · as of 2026-03-310,05 %$91M
- Institutional Investor · as of 2026-03-310,04 %$89M
- Investment Managers · as of 2026-03-310,04 %$210M
- Investment Managers · as of 2026-03-310,02 %$130M
- Institutional Investor · as of 2026-03-310,02 %$34M
- Investment Managers · as of 2026-03-310,01 %$425M
- Institutional Investor · as of 2026-03-310,01 %$74M
- Investment Managers · as of 2024-06-300,01 %$589M
- Investment Managers · as of 2026-03-310,01 %$69M
- Investment Managers · as of 2026-03-310,01 %$28M
- Investment Managers · as of 2026-03-310,01 %$96M
- Investment Managers · as of 2025-12-310,01 %$811M
- Investment Managers · as of 2026-03-310,01 %$76M
- Investment Managers · as of 2026-03-310,01 %$182M
- Investment Managers · as of 2026-03-310,01 %$117M
- Institutional Investor · as of 2022-09-300,01 %$0M
- Brokerage Firms · as of 2026-03-310,01 %$20M
- Investment Managers · as of 2026-03-310,01 %$35M
- Institutional Investor · as of 2026-03-310,01 %$22M
- Brokerage Firms · as of 2026-03-310,00 %$20M
- Investment Managers · as of 2024-12-310,00 %$14M
- Investment Managers · as of 2026-03-310,00 %$7M
- Investment Managers · as of 2026-03-310,00 %$10M
- Funds · as of 2026-03-310,00 %$18M
- Investment Managers · as of 2026-03-310,00 %$10M
- Investment Managers · as of 2026-03-310,00 %$9M
- Institutional Investor · as of 2026-03-310,00 %$42M
- Investment Managers · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
Net selling0 buys · 1 sellsnet -$124K8 insiders · last 365d
- GEVP and Chief Risk Officer · Common Stock, $0.01 par valueSold 837 @ $148,29$124K · 2026-06-12
- Director · Common Stock, $0.01 par valueOther 750 · 2026-03-09
- Group EVP General Counsel/Sec · Common Stock, $0.01 par valueOther 700 @ $127,00$89K · 2026-03-06
- Group EVP General Counsel/Sec · Common Stock, $0.01 par valueOther 700 · 2026-03-06
- Director, Chairman and CEO · Common Stock, $0.01 par valueOther 912 · 2026-02-10
- GEVP Chief HR Officer · Common Stock, $0.01 par valueOther 1 638 · 2026-02-05
- GEVP Chief HR Officer · Common Stock, $0.01 par valueOther 690 @ $143,60$99K · 2026-02-05
- GEVP Research & Strategy · Common Stock, $0.01 par valueOther 1 293 · 2026-02-05
- GEVP Research & Strategy · Common Stock, $0.01 par valueOther 549 @ $143,60$79K · 2026-02-05
- President of CFR · Common Stock, $0.01 par valueOther 2 299 · 2026-02-05
- President of CFR · Common Stock, $0.01 par valueOther 940 @ $143,60$135K · 2026-02-05
- Director, Chairman and CEO · Common Stock, $0.01 par valueOther 9 124 · 2026-02-05
- Director, Chairman and CEO · Common Stock, $0.01 par valueOther 3 601 @ $143,60$517K · 2026-02-05
- GEVP Chief Credit Officer · Common Stock, $0.01 par valueOther 882 · 2026-02-05
- GEVP Chief Credit Officer · Common Stock, $0.01 par valueOther 393 @ $143,60$56K · 2026-02-05
- Group EVP General Counsel/Sec · Common Stock, $0.01 par valueOther 1 724 · 2026-02-05
- Group EVP General Counsel/Sec · Common Stock, $0.01 par valueOther 716 @ $143,60$103K · 2026-02-05
- GEVP and Chief Risk Officer · Common Stock, $0.01 par valueOther 1 681 · 2026-02-05
- GEVP and Chief Risk Officer · Common Stock, $0.01 par valueOther 700 @ $143,60$101K · 2026-02-05
Short positioning
3.8Mshares short+4.6% vs prior
7.4days to cover
70.9%short of daily vol
20fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
CFRCanonical
NYSE · USD
Intel & risk
What changed
no material change vs prior analysis (walked 17 fields; 4 schema-expansion field(s) excluded)
- Narrative— → —medium
- Conclusion— → —medium
- Key takeaways— → —medium
- Company share pct— → —medium
vs prior analysis today
peak dispatch · —
OSINT findings
Dilution riskMedium
Liquidity riskUnknown
Source documents mention dilution or offering risk.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data- Revenue (YoY) (2025-12-31 vs 2024-12-31): 8.3%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 11.7%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 17.3%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): 14.8%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -72.3%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 10.60xDerived (calculated)
- Return on assets (FY 2025-12-31): 1.2%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): -0.3%Derived (calculated)
- Return on equity (FY 2025-12-31): 14.2%Derived (calculated)
- Net margin (FY 2025-12-31): 29.0%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 11.8%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 1.0%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 11.3%Derived (calculated)
- Net income (annual): USD 648.56MSEC XBRL filing
- Revenue (annual): USD 2.24BSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 10SEC XBRL filing
- Capex (annual): USD 146.65MSEC XBRL filing
- Total liabilities (annual): USD 48.47BSEC XBRL filing
- Total assets (annual): USD 53.04BSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 10SEC XBRL filing
- Shareholders' equity (annual): USD 4.57BSEC XBRL filing
- Operating cash flow (annual): USD 273.98MSEC XBRL filing
- Pre-tax income (annual): USD 771.7MSEC XBRL filing
- Debt-to-equity (FY 2024-12-31): 12.47xDerived (calculated)
Showing 24 of 60 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-09-15EVENTUpcomingDividend USD 1.03/sh
2026-08-02EVENTQ2 2026 earnings (confirmed · filed)
2026-08-01 07:41 UTCEVENTEarnings Window
2026-07-31 04:36 UTCFILINGMaterial 8-K
2026-07-30 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-07-30EVENTQ2 2026 earnings (expected) estimated date
2026-06-30 03:38 UTCEARNINGSUpcomingForecast: ma_probability (180d)
2026-06-30EARNINGSQuarterly results — Q1 2026 Revenue USD 66.3M · Net USD 343.0M
2026-06-25 03:10 UTCHOLDERInstitutional holding changed
2026-06-25 03:10 UTCHOLDER1 institutional position change flagged (1 major)
2026-06-24 03:12 UTCHOLDERInstitutional holding changed
2026-06-24 03:12 UTCHOLDER1 institutional position change flagged (1 major)
2026-06-12 00:00 UTCINSIDER1 insider transaction — 2026-06 · net sell $124k
2026-06-12INSIDERSeveryn Carol Jean sold 837 sh Common Stock, $0.01 par value — GEVP and Chief Risk Officer ~$124k
2026-04-29 00:00 UTCINSIDER13 insider transactions — 2026-04 13 derivative
2026-04-29INSIDEREngates John T acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERRummel Jeffrey M. acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERComparin Cynthia Jane acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERCHASE ANTHONY R acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERDawson Samuel G. acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERAndrade Esperanza acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERHAEMISEGGER DAVID J acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDEREDWARDS CRAWFORD H acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERRutherford Linda B. acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERJohn Howard Willome acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERShields Marsha McCombs acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERMATTHEWS CHARLES W acquired 630 sh Deferred Stock Units — Director
2026-04-29INSIDERPierce Joseph A. acquired 630 sh Deferred Stock Units — Director
2026-03-31EARNINGSQuarterly results — Q4 2025 Revenue USD 32.2M · Net USD 171.0M
2026-03-31EARNINGSQuarterly results — Q4 2025
2026-03-09 00:00 UTCINSIDER3 insider transactions — 2026-03
2026-03-09INSIDEREDWARDS CRAWFORD H transacted 750 sh Common Stock, $0.01 par value — Director
2026-03-06INSIDERRhodes Coolidge E JR transacted 700 sh Common Stock, $0.01 par value — Group EVP General Counsel/Sec ~$89k
Showing the 40 most recent of 67 entries.
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data
Premium coverage