Every material Form 8-K Frost Bank filed with the SEC in 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Cullen/Frost reported third-quarter 2025 net income available to common shareholders of $172.7 million, or $2.67 per diluted share, up from $144.8 million, or $2.24 per share, a year earlier. Net interest income rose 9.1% and credit loss expense fell to $6.8 million from $19.4 million, while non-interest expense rose 9.0%. The board also declared a fourth-quarter common dividend of $1.00 per share.
Net income available to common shareholders was $172.7 million, or $2.67 per diluted share, versus $144.8 million, or $2.24, in Q3 2024.
Net interest income was $463.7 million on a taxable-equivalent basis, up 9.1%; net interest margin was 3.69%.
Non-interest expense was $352.5 million, up 9.0% from a year earlier.
The board declared a $1.00 per common share dividend, payable December 15, 2025, to holders of record on November 28.
Cullen/Frost reported second-quarter 2025 net income available to common shareholders of $155.3 million, up from $143.8 million a year earlier, and diluted earnings of $2.39 per share, up from $2.21. Net interest income rose 7.9% to $450.6 million, while non-interest expense rose 9.5% to $347.1 million. The board also declared a third-quarter common dividend of $1.00 per share, payable September 15, 2025.
Net income available to common shareholders was $155.3 million, versus $143.8 million in Q2 2024; diluted EPS was $2.39 versus $2.21.
Net interest income was $450.6 million, up 7.9%; net interest margin was 3.67% versus 3.54% a year earlier.
Non-interest expense was $347.1 million, up 9.5%; credit loss expense was $13.1 million.
Board declared a $1.00 per common share dividend, payable September 15, 2025 to holders of record on August 29.
Cullen/Frost reported first-quarter 2025 net income available to common shareholders of $149.3 million, up from $134.0 million a year earlier, and diluted earnings of $2.30 per share, up from $2.06. The board also raised the quarterly common dividend 5.3 percent to $1.00 per share from $0.95.
Net income available to common shareholders was $149.3 million, versus $134.0 million in Q1 2024.
Diluted earnings per share were $2.30, versus $2.06 a year earlier.
Net interest income on a taxable-equivalent basis rose 6.1 percent to $436.4 million; non-interest expense rose 6.7 percent to $348.1 million.
The board declared a $1.00 common dividend payable June 13, 2025 to holders of record on May 30.
Cullen/Frost reported fourth-quarter 2024 net income available to common shareholders of $153.2 million, up from $100.9 million a year earlier, when results included a $51.5 million FDIC surcharge. For full-year 2024, net income available to common shareholders fell 2.6% to $575.9 million, and diluted EPS was $8.87 versus $9.10 in 2023. The board also authorized a $150 million share repurchase program running through January 28, 2026.
Q4 2024 net income available to common shareholders was $153.2 million, up $52.3 million from $100.9 million in Q4 2023
Q4 2024 diluted EPS was $2.36, compared with $1.55 in Q4 2023
Full-year 2024 net income available to common shareholders was $575.9 million, down 2.6% from $591.3 million in 2023
Board authorized up to $150 million in common stock repurchases through January 28, 2026, and declared a first-quarter dividend of $0.95 per common share payable March 14, 2025
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Frost Bank filing is on SEC EDGAR ↗. 8-K briefs of other companies →