Form 4: Cullen/Frost CEO Gifts Shares to Family Trusts

Cullen/Frost Bankers, Inc. CEO Phillip D. Green reported gifting 912 shares of common stock on February 10, 2026.

Summary

• Phillip D. Green, Chairman and CEO of Cullen/Frost Bankers, Inc. (CFR), reported a transaction involving the company's common stock.
• On February 10, 2026, Mr. Green disposed of 912 shares of Common Stock, $0.01 par value, via a gift (Transaction Code 'G').
• The shares were disposed of at a price of $0 per share.
• Following this transaction, Mr. Green directly beneficially owns 110,879 shares of Common Stock.
• He also indirectly beneficially owns 1,100 shares through his spouse, 373.04 shares through a 401(k) Plan, and 38,865 shares through trusts for his children, for which he serves as a trustee.

Sentiment

Score: 5

Explanation: StockSavvy.ai views this as a neutral event. A gift of shares by a CEO is a common estate planning activity and does not typically signal a change in the company's operational performance or strategic direction.

Positives

• The transaction represents a planned disposition, likely for estate planning purposes, rather than a sale for cash, which can be viewed as a neutral to slightly positive signal regarding the insider's long-term view of the company's value.

Negatives

• The disposition of shares, even as a gift, reduces the direct ownership stake of a key executive, though the amount is relatively small compared to his total holdings.

Future Outlook

This Form 4 filing does not contain any forward-looking statements or guidance regarding the company's future performance or outlook.

Industry Context

StockSavvy.ai notes that insider transaction reports like Form 4 are routine disclosures required by the SEC. While this specific transaction is a gift and not a sale, it provides transparency into executive shareholdings and personal financial planning, which is standard practice across the banking industry for senior executives.

Comparison to Industry Standards

• NA This Form 4 filing details an insider's personal stock transaction (a gift) and does not provide company performance metrics or operational results that can be directly compared to industry standards or competitors.

Related Party Transactions

• Phillip D. Green gifted 912 shares of common stock to trusts established for his children, for which he serves as a trustee. This constitutes a related party transaction.

Stakeholder Impact

• Shareholders: The transaction is a routine disclosure and is unlikely to have a significant direct impact on the company's share price or valuation, given the relatively small number of shares involved compared to total outstanding shares and Mr. Green's overall holdings.
• Management: Reflects personal financial planning by the CEO, with no direct impact on company operations or strategy.

Key Dates

Keywords

Cullen/Frost Bankers, CFR, Phillip D. Green, Insider Transaction, Form 4, Stock Gift, CEO, Beneficial Ownership