Three independent discounted-cash-flow-style models value Cullen/Frost Bankers, Inc. every trading day. 1 of 3 currently price CFR above its market price.
| Free Cash Flow model | $-90.65 |
| Excess Profit model | $514.94 |
| Residual Earnings model | $76.92 |
| Dividend Discount model | $121.38 |
| Piotroski F-Score | 5 / 8 |
| Return on invested capital | +13.5% |
| Net debt / EBITDA | -10.2× |
| Gross margin | +100.0% |
| Revenue CAGR | +9.6% |
| Cash conversion | 0.4× |
| Dividend yield | +2.7% |
| Buyback yield | +1.4% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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