CULLEN/FROST BANKERS, INC. — Form 8-K
Filed October 29, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 38/100
What the filing says
Cullen/Frost reported Q3 2026 net income of $178.5M (+3.3% vs Q3 2025's $172.7M), with diluted EPS of $2.84 (+6.4% YoY). Average loans grew $1.9B (+9.0% YoY to $23.4B); average deposits +3.6% YoY to $43.6B. Board declared Q4 dividend of $1.03/share (vs $1.00 prior year). Company repurchased 92,700 shares ($15.0M) with $125M remaining under $300M authorization. Credit loss expense rose to $12.1M from $6.8M YoY; non-accrual loans fell to $63.7M from $112.7M Q2 but rose from $44.8M YoY. Capital ratios remain well-capitalized (CET1 13.76%, Tier 1 14.18%, Total 15.50%).
Why this rating
Solid organic growth and profitability gains, but modest relative to $8.2B market cap. Dividend raise and buyback signal confidence. Rising credit costs offset earnings strength; capital adequacy adequate but declining YoY.
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