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Cullen/Frost Bankers, Inc.
CFRFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $2.92B | 22.2% | $648.20M | $128.47M | N/A |
| 2027 | $3.03B | 22.2% | $672.19M | $133.23M | $121.12M |
| 2028 | $3.14B | 22.2% | $697.06M | $138.16M | $114.18M |
| 2029 | $3.26B | 22.2% | $722.85M | $143.27M | $107.64M |
| 2030 | $3.38B | 22.2% | $749.60M | $148.57M | $101.47M |
| 2031 | $3.50B | 22.2% | $777.33M | $154.07M | $95.66M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $9.92 | 2025-12-31 |
| EPS growth | +12.8% | Forecast years: 5 |
| Future EPS | $18.116 | EPS × (1 + G)^5 |
| Base P/E | 12.5 | P/E |
| Future price | $226.45 | Future EPS × P/E |
| Fair value today | $140.61 | PV @ 10.0% |
| 30% safety price | $98.424 | Margin of safety |
| 50% safety price | $70.303 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $123.12 | $126.99 | $132.26 |
| 10.0% | $119.19 | $122.04 | $125.77 |
| 11.0% | $116.09 | $118.27 | $121.02 |