CFR

Cullen/Frost Bankers, Inc.

Sector: financial servicesBanks - RegionalNYSEMarket Cap: $9.19B

Regional bank with minimal federal government dependence and low political/regulatory profile relative to large-cap peers.

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Govt Dependence

15/100

Regulatory Density

55/100

Lobbying Intensity

5/100

Political Signal

LOW

BusinessWhat CFR does

Cullen/Frost Bankers is a Texas-based regional bank providing commercial and consumer banking services, wealth management, and trust services primarily in South Texas. Revenue derives from net interest income, service fees, and wealth management commissions with no material government contract or subsidy exposure.

12 months past · 3 months futureCFR activity timeline

Congress

buy sell

Insider · Form 4

open-market buy

Hedge fund · 13F

opened + added − trimmed closed holds

Bills

past action (this ticker) upcoming markup (sector) ★ carveout (this ticker)

246 trading days · 0 congressional trades shown · 0 insider buys · 0 13F filings · 0 past bill actions · 5 upcoming markups

Lifetime Government AwardsCFR federal contracts

CFR doesn't hold direct federal contracts.

Verified via USASpending.gov: $0 reported in direct prime-contract awards. Companies in this position typically sell federal services indirectly through prime contractors and integrators (e.g., Lockheed Martin, Booz Allen, Microsoft Azure) or through commercial channels that don't appear in USASpending data.

Congressional TradesWho in Congress is trading CFR

2020-02-20 (unknown) sale $1,001 - $15,000

2020-02-20 (unknown) Sale $1,001 - $15,000

2019-03-25 (unknown) Sale $1,001 - $15,000

2019-03-25 (unknown) sale $1,001 - $15,000

2018-12-21 Susan M. Collins R-Maine · senate Sale (Full) $1,001 - $15,000

2018-12-21 Susan M. Collins R-Maine · senate sale $1,001 - $15,000

2017-06-15 Susan M. Collins R-Maine · senate purchase $1,001 - $15,000

2017-06-15 Susan M. Collins R-Maine · senate Purchase $1,001 - $15,000

8+ trades on file · most recent 2020-04-05

Corporate Insiders · Form 4What CEOs, CFOs, and directors are doing with their own stock

No Form 4 activity recorded in the last 180 days.

Bills to WatchLegislation flagged by our analysis

Basel IV capital rulesCommunity Reinvestment Act reformdeposit insurance threshold changes

Political ProfileWhere CFR sits in Washington

As a small-cap regional bank with no direct government revenue and minimal political trading activity, CFR stock is primarily driven by interest rates, credit cycles, and regional economic conditions rather than legislative or regulatory events.

Regulatory ExposureThreats & opportunities

Regulatory threats

interest rate volatility
deposit competition from non-banks
CRE concentration risk scrutiny

Regulatory opportunities

regional bank exemptions from enhanced prudential standards
CRE lending flexibility

LobbyingWho's hired to advocate for CFR

American Bankers AssociationTexas Bankers Association

Member intelligence layer

Live signals + predictions for CFR — for Founders

The free page above gives you the public record. Members see the real-time intelligence layer on top of it:

Live 7-layer signal scores when Congress trades CFR
Bill Pass Index v2 odds for every bill on the watch list
Iron Triangle alerts (committee × donor × trade)
SEC Form 4 cluster detection (CEO + CFO + director buys)
Whale-Opportunity expected-value ranking
Custom watchlist alerts via email + Discord

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Frequently AskedAbout CFR & political exposure

Does Cullen/Frost Bankers, Inc. (CFR) hold federal contracts?

No direct prime contracts reported in USASpending.gov for Cullen/Frost Bankers, Inc.. Companies in the semiconductor and AI hardware sectors often sell to the federal government via prime contractors and cloud resellers (Microsoft Azure, AWS, Lockheed Martin systems integration) rather than as direct primes.

Has Congress traded CFR stock?

8 congressional trades by 3 unique members of Congress, most recently on 2020-02-20. See the Congressional Trading panel for politician-by-politician breakdown.

What is CFR political risk profile?

Government dependence: 15/100. Lobbying intensity: 5/100. Political signal: low.

How does GovGreed track CFR political activity?

GovGreed integrates STOCK Act congressional trade disclosures, FEC contributions, OGE executive-branch disclosures, USASpending federal contracts, Senate LDA lobbying filings, and SEC Form 4 corporate insider trades into a single queryable graph. CFR data is updated daily from these official federal sources.