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BankFinancial (BankFinancial) Cyclically Adjusted FCF per Share : $1.02 (As of Mar. 2024)


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What is BankFinancial Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

BankFinancial's adjusted free cash flow per share for the three months ended in Mar. 2024 was $-0.019. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.02 for the trailing ten years ended in Mar. 2024.

During the past 12 months, BankFinancial's average Cyclically Adjusted FCF Growth Rate was 5.20% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 1.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 1.00% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 3.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of BankFinancial was 8.00% per year. The lowest was -1.00% per year. And the median was 2.95% per year.

As of today (2024-06-07), BankFinancial's current stock price is $9.82. BankFinancial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was $1.02. BankFinancial's Cyclically Adjusted Price-to-FCF of today is 9.63.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of BankFinancial was 20.86. The lowest was 6.96. And the median was 13.14.


BankFinancial Cyclically Adjusted FCF per Share Historical Data

The historical data trend for BankFinancial's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

BankFinancial Cyclically Adjusted FCF per Share Chart

BankFinancial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.02 0.97 0.96 0.99 1.02

BankFinancial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.97 0.97 0.99 1.02 1.02

Competitive Comparison of BankFinancial's Cyclically Adjusted FCF per Share

For the Banks - Regional subindustry, BankFinancial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


BankFinancial's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BankFinancial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where BankFinancial's Cyclically Adjusted Price-to-FCF falls into.



BankFinancial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, BankFinancial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=-0.019/131.7762*131.7762
=-0.019

Current CPI (Mar. 2024) = 131.7762.

BankFinancial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 0.355 100.560 0.465
201409 0.250 100.428 0.328
201412 0.155 99.070 0.206
201503 0.160 99.621 0.212
201506 0.281 100.684 0.368
201509 0.153 100.392 0.201
201512 0.125 99.792 0.165
201603 0.254 100.470 0.333
201606 0.169 101.688 0.219
201609 0.214 101.861 0.277
201612 0.321 101.863 0.415
201703 0.170 102.862 0.218
201706 0.258 103.349 0.329
201709 0.329 104.136 0.416
201712 0.429 104.011 0.544
201803 0.199 105.290 0.249
201806 0.356 106.317 0.441
201809 0.237 106.507 0.293
201812 0.305 105.998 0.379
201903 0.009 107.251 0.011
201906 0.408 108.070 0.498
201909 0.451 108.329 0.549
201912 0.468 108.420 0.569
202003 0.020 108.902 0.024
202006 0.357 108.767 0.433
202009 0.122 109.815 0.146
202012 0.274 109.897 0.329
202103 -0.045 111.754 -0.053
202106 0.149 114.631 0.171
202109 -0.081 115.734 -0.092
202112 0.382 117.630 0.428
202203 -0.636 121.301 -0.691
202206 0.240 125.017 0.253
202209 0.330 125.227 0.347
202212 0.644 125.222 0.678
202303 -0.204 127.348 -0.211
202306 0.165 128.729 0.169
202309 0.351 129.860 0.356
202312 0.275 129.419 0.280
202403 -0.019 131.776 -0.019

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


BankFinancial  (NAS:BFIN) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

BankFinancial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=9.82/1.02
=9.63

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of BankFinancial was 20.86. The lowest was 6.96. And the median was 13.14.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


BankFinancial Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of BankFinancial's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


BankFinancial (BankFinancial) Business Description

Industry
Traded in Other Exchanges
N/A
Address
60 North Frontage Road, Burr Ridge, IL, USA, 60527
BankFinancial Corp is the bank holding company of BankFinancial, F.S.B. The company is a full-service, national bank principally engaged in the business of commercial, family and personal banking. It offers customers a broad range of loan, deposit, trust and other financial products and services. The Bank offers customers a broad range of loan, deposit, trust and other financial products and services through all full-service banking offices located in Cook, DuPage, Lake and Will Counties, Illinois and through Internet Branch.
Executives
Aaron J O'connor other: Director - Affiliate 60 N FRONTAGE RD, STE 130, BURR RIDGE IL 60527
Debra Zukonik director 60 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Glen Wherfel other: Director of Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
John G Manos officer: Regional President - Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Thomas F Oneill director C/O HARMON & CRAVEN LLP, 488 MADISON AVE, NEW YORK NY 10022
John M Hausmann director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
James J Brennan officer: EVP and Corporate Secretary 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Deutsch William J. Jr. officer: Leasing President - Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
F Morgan Gasior director, officer: Chairman, CEO & President 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Terry R Wells director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Paul A Cloutier officer: EVP & Chief Financial Officer 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Patricia Smith officer: EVP 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Gregg T Adams officer: EVP of Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Joseph A Schudt director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
John W Palmer director C/O SECURITY FINANCIAL BANCORP INC, 9321 WICKER AVE, ST JOHN IN 46373