Fair value (multi-method)
Four independent methods triangulate what CFR-PB is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$570.15
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $570.15 | +281.65% |
| Exit multiple | $165.48 | +10.77% |
| Analyst target | — | — |
| Graham number | — | — |
- Forward DCF$570.15
- Exit multiple$165.48
- Analyst target—
- Graham number—
Stock price
$149.39
FCF / share (TTM)
$3.13
3Y FCF CAGR
-31.6%
Fair value @ hist. growth
$6.20
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
12.4%
per year over your projection horizon
Margin of safety -2311.2% vs hist-growth DCF
Historical 3Y CAGR
-31.6%
Your model implies
12.4%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -32% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 5.2% | 8.2% | 6.8% | 5.2% | 3.3% | 1.0% |
| 6.2% | 11.4% | 10.3% | 9.1% | 7.8% | 6.2% |
| 7.2% | 14.2% | 13.3% | 12.4% | 11.3% | 10.1% |
| 8.2% | 16.8% | 16.0% | 15.2% | 14.3% | 13.3% |
| 9.2% | 19.1% | 18.4% | 17.7% | 17.0% | 16.2% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
5.58
Demanding vs growth
Net cash
$4.1B
Total debt − cash
Beta
0.55
Vs market benchmark
Frequently asked questions
Cullen/Frost Bankers (CFR-PB) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation