Fair value (multi-method)
Four independent methods triangulate what CFR 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)
$558.71
Method range
$65.66 – $558.71
median $152.13
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 | $558.71 | +244.33% |
| Exit multiple | $149.87 | -7.64% |
| Analyst target | $154.40 | -4.84% |
| Graham number | $65.66 | -59.54% |
- Forward DCF$558.71
- Exit multiple$149.87
- Analyst target$154.40
- Graham number$65.66
Stock price
$162.26
FCF / share (TTM)
$3.13
3Y FCF CAGR
-31.6%
Fair value @ hist. growth
$6.17
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
13.7%
per year over your projection horizon
Margin of safety -2,531.9% vs hist-growth DCF
Historical 3Y CAGR
-31.6%
Your model implies
13.7%
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% |
|---|---|---|---|---|---|
| 5.3% | 9.5% | 8.2% | 6.6% | 4.7% | 2.4% |
| 6.3% | 12.7% | 11.6% | 10.5% | 9.1% | 7.5% |
| 7.3% | 15.5% | 14.6% | 13.7% | 12.6% | 11.4% |
| 8.3% | 18.1% | 17.3% | 16.5% | 15.6% | 14.6% |
| 9.3% | 20.4% | 19.8% | 19.1% | 18.3% | 17.5% |
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
0.53
Vs market benchmark
Frequently asked questions
Cullen/Frost Bankers (CFR) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
- Buybacks2.61% TTM
- Dividend Profile2.48% yield
- Dividend Calculator
- Dividend Forecast
- Dividend Capture
- Stock Split History6 splits
How this company returns cash to shareholders — buybacks, dividends, and stock splits.