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      <issuerName>CULLEN/FROST BANKERS, INC.</issuerName>
      <secFileNumber>001-13221</secFileNumber>
      <issuerAddress>
        <com:street1>111 W HOUSTON ST</com:street1>
        <com:city>SAN ANTONIO</com:city>
        <com:stateOrCountry>TX</com:stateOrCountry>
        <com:zipCode>78205</com:zipCode>
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      <issuerContactPhone>210-220-4011</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Wolfshohl Candace K</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
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        <name>Wells Fargo Clearing Services</name>
        <address>
          <com:street1>One North Jefferson Avenue</com:street1>
          <com:city>St. Louis</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>63103</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>7670</noOfUnitsSold>
      <aggregateMarketValue>1005635.23</aggregateMarketValue>
      <noOfUnitsOutstanding>64287941</noOfUnitsOutstanding>
      <approxSaleDate>05/19/2025</approxSaleDate>
      <securitiesExchangeName>NYSE</securitiesExchangeName>
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      <natureOfAcquisitionTransaction>Stock Options</natureOfAcquisitionTransaction>
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      <isGiftTransaction>N</isGiftTransaction>
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      <paymentDate>05/19/2025</paymentDate>
      <natureOfPayment>Wire</natureOfPayment>
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    <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>05/19/2025</noticeDate>
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144
0001649841
XXXXXXXX
LIVE
0000039263
CULLEN/FROST BANKERS, INC.
001-13221
111 W HOUSTON ST
SAN ANTONIO
TX
78205
210-220-4011
Wolfshohl Candace K
Officer
Common
Wells Fargo Clearing Services
One North Jefferson Avenue
St. Louis
MO
63103
7670
1005635.23
64287941
05/19/2025
NYSE
Common
05/19/2025
Stock Options
Issuer
N
7670
05/19/2025
Wire
Y
05/19/2025
Candace K Wolfshohl