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FRC fair value: what the stock is really worth
As of Jul 10, 2026: fair value of FRC MXN 77.53, price MXN 60.95, upside +27.2%, quality 35 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
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Some data
Sep 24, 2026
FRC
FRC · MXSpeculativeUpside exists, but weak quality makes the signal speculative.
✓Fair value 77.53 MXN · Undervalued (+27.2%)
!Quality 35/100
!Mixed Growth (revenue 5y +17.7 %/yr)
✓Highly profitable · 27.6% net margin (TTM)
✓Low debt · generates free cash flow
✓Wide moat 66/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 60.95 MXN – 4,666 MXN · fair‑value band 73.28 MXN – 84.07 MXN · the 60.95 MXN price screens below the 77.53 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
As of May 1, 2023, First Republic Bank went out of business. Previously, First Republic Bank provided private banking, private business banking, and private wealth management services to clients in metropolitan areas in the United States. The company was founded in 1985 and was headquartered in San Francisco, California.
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As of May 1, 2023, First Republic Bank went out of business. Previously, First Republic Bank provided private banking, private business banking, and private wealth management services to clients in metropolitan areas in the United States. The company was founded in 1985 and was headquartered in San Francisco, California. First Republic Bank now trades on OTCPK.
Stock analysis
FRC (FRC) currently trades at 60.95 MXN, while our model-based Fair Value estimate is 77.53 MXN, implying the stock looks roughly 21.4% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 116.23 MXN per share, and 4 of the 6 models we run sit above the 60.95 MXN price.
Bear case: the Dividend Discount group reads lowest at 23.90 MXN, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 73.28 MXN (bear) to 84.07 MXN (bull), the price of 60.95 MXN sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 35/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
FRC reported revenue of 5.8B MXN in FY2022 versus 3.0B MXN in FY2018, a compound +18.1%/yr. Reported net income was 1.7B MXN in FY2022, compounding +18.2%/yr from FY2018.
Key figures
Market cap 11.2B MXN (≈ $616M) · P/S ratio 1.89 · EPS (TTM) 138.96 MXN · Dividend yield 3.3% · Net margin 28.8% · Return on equity 9.0% · Return on assets (EBIT) 1.1% · Operating margin 37.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 27%, FRC screens cheaper than that median.
Fair Value models
Bear 73.28 MXN
Fair Value 77.53 MXN
Bull 84.07 MXN
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
76.26 MXN
82.01 MXN
93.44 MXN
76
Gordon GGM
14.52 MXN
26.16 MXN
36.02 MXN
68
DDM Multi-Stage
14.52 MXN
23.90 MXN
27.95 MXN
67
All 6 models by family
Dividend Discount
Gordon GGM
14.52 MXN
26.16 MXN
36.02 MXN
68
DDM Multi-Stage
14.52 MXN
23.90 MXN
27.95 MXN
67
Multiples
P/E Multiple
87.18 MXN
116.23 MXN
145.29 MXN
63
P/B Multiple
98.37 MXN
131.16 MXN
163.95 MXN
55
Asset-Based
NCAV (Graham)
46.84 MXN
62.77 MXN
93.69 MXN
54
Economic Profit
Residual Income
76.26 MXN
82.01 MXN
93.44 MXN
76
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Set up alert →Quality Score breakdown
Overall quality
35/100
Of which business quality 28 · Market factors (momentum, volatility) 47
Profitability
34
Margins and returns on capital today
Quality Growth
48
Are margins and returns improving?
Cashflow
12
Earnings quality: real cash, not paper profit
Fin. Strength
7
Balance sheet, leverage, solvency risk
Investment
31
Disciplined investing over empire-building
Low Volatility
70
Calm price path (market factor)
Momentum
40
Price trend over the last 3–12 months (market factor)
52W Momentum
33
Distance to the 52-week high (market factor)
Net Issuance
57
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
67/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+16.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.7%
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.5%
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What shareholders gained per year (last 5 years), in MXN ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in MXN: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+16.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.0%
Dividend (yield on the price)3.3%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.46% → 36%
Growth Forecast
A lot of optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
more than +80 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
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Compare FRC with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Frequently asked questions
Is FRC overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 77.53 MXN versus the last price from Jul 10, 2026 of 60.95 MXN, about +27% upside (undervalued).
What is the fair value of FRC?
Our model-based fair value for FRC is 77.53 MXN (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 10, 2026): 60.95 MXN.
What is the quality score of FRC?
FRC has a Quality Score of 35/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for FRC?
Our model-based price target is the fair value of 77.53 MXN (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 73.28 MXN, optimistic scenario 84.07 MXN. It is a calculation from audited fundamentals, not an analyst target.
What is the FRC stock forecast for 2026?
Our models put fair value at 77.53 MXN, about +27% upside versus the last price from Jul 10, 2026 of 60.95 MXN (undervalued). Cautious scenario 73.28 MXN, optimistic scenario 84.07 MXN. The calculation is refreshed regularly with new filings.
What is the revenue of FRC?
FRC reported trailing-twelve-month revenue of about 5.6B MXN (latest available figure, as of Sep 24, 2026).
Does FRC pay a dividend?
FRC currently shows a dividend yield of about 3.31% relative to its recent price (as of Sep 24, 2026).
What growth is priced into FRC?
For today's price to be fair in a discounted-cash-flow model, FRC would have to grow free cash flow by more than 80 % per year for five years (discount rate 14.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of FRC use?
Our models discount FRC at 14.4 %: a base by market capitalisation (small), damped by beta 1.29, country premium for Mexico. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For FRC that is more than 80 % per year a year over ten years, using the same discount rate (14.4 %) and the same formula as our fair value.
How much growth has FRC delivered so far?
Over the past 5 years revenue at FRC grew +17.7 % a year. The price currently implies more than 80 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of FRC growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into FRC (more than 80 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of FRC?
The free-cash-flow yield on the price is 0.49 %: that much free cash flow FRC produces per unit of market value. When it exceeds the discount rate of our models (14.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of FRC?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FRC it is 77.53 MXN per share (as of Sep 24, 2026), against a price of 60.95 MXN. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is FRC stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FRC trades below its calculated fair value: price 60.95 MXN, fair value 77.53 MXN, a gap of about +27% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FRC?
No. The price is what the market pays today (60.95 MXN); the fair value is what the company's own numbers justify (77.53 MXN). For FRC the two are 16.58 MXN per share apart. That gap is exactly why we show both numbers side by side.
How much is FRC worth?
The market values FRC at about 11.2B MXN (market capitalisation, as of Sep 24, 2026). Per share that is 60.95 MXN; our models calculate a fair value of 77.53 MXN per share.
What do the bullish and bearish scenarios say about FRC?
Our models span a range for FRC: cautious scenario 73.28 MXN, base 77.53 MXN, optimistic 84.07 MXN per share (as of Sep 24, 2026, price 60.95 MXN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of FRC?
The PEG ratio of FRC is 1.47 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of FRC?
Balance-sheet figures for FRC (as of Sep 24, 2026): return on equity 9.0%, debt of 0.49 per unit of equity. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is FRC from its 52-week high?
FRC trades at 60.95 MXN, at its 52-week high of 60.95 MXN and at the low of 60.95 MXN (as of Jul 10, 2026). Distance from the high says nothing about value: that is what the fair value of 77.53 MXN is for.
Which stocks are comparable to FRC?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is FRC stock attractive at the current price?
The data as of Sep 24, 2026: price 60.95 MXN, calculated fair value 77.53 MXN (+27%), Quality Score 35/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FRC calculated?
We run FRC through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 77.53 MXN, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. FRC currently trades 21 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of FRC?
The latest price we hold is from Jul 10, 2026 and stands at 60.95 MXN. Our model-based fair value is 77.53 MXN, about +27% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FRC right now?
The price is below even our cautious bear case (73.28 MXN). The market is more pessimistic than our downside scenario. The models converge in a tight band (73.28 MXN to 84.07 MXN), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of FRC
How large is the market capitalisation of FRC?
The market capitalisation of FRC is 11.2B MXN (≈ $616M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of FRC?
The price-to-sales ratio of FRC is 1.89 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FRC?
Earnings per share at FRC are 138.96 MXN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of FRC?
The dividend yield of FRC is 3.3% (payout 1.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of FRC?
The net margin of FRC is 28.8% (fiscal year 2022). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of FRC?
The return on equity (ROE) of FRC is 9.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of FRC?
On an EBIT basis the return on assets of FRC is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of FRC?
The operating margin of FRC is 37.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FRC?
Revenue at FRC is growing −13.9% versus a year earlier (3y avg +21.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at FRC?
Earnings per share at FRC are growing −38.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does FRC carry?
The net debt of FRC is 11.0B MXN (fiscal year 2022). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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