CULLEN/FROST BANKERS, INC. (CFR-PB)

National Commercial Banks · Financial Services · $12.7B

overvalued
Intrinsic Value (Consensus)
$118.08
Current Price
$198.40
Margin of Safety
-40.5%
40.5% Above Intrinsic Value
Value: $118
Price: $198

Valuation Model Estimates

Current Price: $198.40
DCF (Discounted Cash Flow)
$51.43
Graham Number
$126.19
Earnings Power Value
$96.31
Relative Value (P/E)
$198.40
Dividend Discount Model
Not applicable
Consensus Value
$118.08

Model Assumptions

Discount Rate
10.3%
Growth Rate
11.8%
Terminal Growth
2.5%
Risk-Free Rate
4.3%

Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.

Key Financials

EPS (TTM)
$9.92
EPS (Forward)
$11.09
Book Value
$71.34
P/E Ratio
20.0
Forward P/E
17.9
PEG Ratio
ROE
14.2%
Debt/Equity
Revenue Growth
14.4%
Earnings Growth
11.8%
Dividend Yield
N/A
Beta
1.00

Data last updated: 2026-06-12

Source: Yahoo Finance