Frost Bank (CFR)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$162.62-0.07%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CFR
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 12 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $163 the market pays 2.2× p/b — above the 1.2× p/b peer median but in line with its own 2× history. That premium reflects a durable franchise our peer-anchored $141 fair value understates; treat the 'expensive vs peers' read with medium confidence. Analysts target $141–$183. Even valued only for durable growth at sustainable margins, it's worth about $174 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $160.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $192.06 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $115.29 | — | — | Hist. CAGR | high |
| graham number | 12M | $134.24 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$141.00 – $183.00 (median $160.00) · 5 analysts · as of 2026-07-31
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $91.80 |
| 1.2 |
| 74.02 |
| TTM |
| high |
| Peer P/FCF | 12M | $95.50 | 11.7 | 8.18 | TTM | high |
| Peer P/E | 12M | $125.02 | 10.9 | 11.48 | ntm analyst | high |
| Peer P/S | 12M | $116.33 | 3.2 | 36.81 | TTM | high |
| PEG | 12M | $127.01 | 11.7 | 10.82 | TTM | high |
| residual income | 12M | $91.41 | — | — | TTM | high |
| Own P/E history | 12M | $159.80 | 14.8 | 10.82 | TTM | high |
| triangulated | 12M | $132.23 | 11.9 | 11.07 | Triangulated | high |
| Peer P/B | 3Y | $125.30 | 1.2 | 101.03 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $82.59 | 11.7 | 7.08 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $146.61 | 10.9 | 13.46 | Analyst | medium |
| Peer P/S | 3Y | $148.44 | 3.2 | 46.97 | Analyst | medium |
| PEG | 3Y | $157.98 | 11.7 | 13.46 | Analyst | medium |
| Own P/E history | 3Y | $198.78 | 14.8 | 13.46 | Analyst | medium |
| Peer P/B | 5Y | $154.18 | 1.2 | 124.31 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $74.97 | 11.7 | 6.43 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $171.81 | 10.9 | 15.77 | Analyst | high |
| Peer P/S | 5Y | $173.95 | 3.2 | 55.04 | Analyst | high |
| PEG | 5Y | $185.14 | 11.7 | 15.77 | Analyst | high |
| Own P/E history | 5Y | $232.95 | 14.8 | 15.77 | Analyst | high |