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NLB Banka adXBLB:VBBB-R-A 3-Year FCF Growth Rate is 22.20% as of Jun. 2026, which is 87% above its 10-year median of 11.85. The stock has 4 warning signs investors should review.
During the past 12 months, NLB Banka ad's average Free Cash Flow per Share Growth Rate was 178.70% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 22.20% 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 average Free Cash Flow per Share growth rate.
During the past 12 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of NLB Banka ad was 86.40% per year. The lowest was -48.30% per year. And the median was 11.85% per year.
NLB Banka ad (XBLB:VBBB-R-A) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
NLB Banka ad 3-Year FCF Growth Rate Related Terms
NLB Banka ad 3-Year FCF Growth Rate Competitor Comparison
For the Banks - Regional subindustry, NLB Banka ad's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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.
NLB Banka ad 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, NLB Banka ad's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where NLB Banka ad's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 22.20% mean?
NLB Banka ad (XBLB:VBBB-R-A) has a 3-Year FCF Growth Rate of 22.20% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for NLB Banka ad and its competitors. This is 87% above median its historical median of 11.85.
Is NLB Banka ad's 3-Year FCF Growth Rate too high?
NLB Banka ad's current 3-Year FCF Growth Rate of 22.20% is 87% above median its 10-year median of 11.85. The Banks industry median 3-Year FCF Growth Rate is 0.40. NLB Banka ad's value of 22.20% is 5450% above this industry median.
How does NLB Banka ad's 3-Year FCF Growth Rate compare to competitors?
NLB Banka ad's 3-Year FCF Growth Rate of 22.20% can be compared against companies in the Banks industry. The industry median 3-Year FCF Growth Rate is 0.40. NLB Banka ad's value of 22.20% is 5450% above this benchmark. While the company's 10-year median is 11.85 vs. the industry median of 0.40, NLB Banka ad has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NLB Banka ad's current 3-Year FCF Growth Rate of 22.20% is 5450% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for NLB Banka ad and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NLB Banka ad's current 3-Year FCF Growth Rate is 22.20%, which is 87% above median its own 10-year median of 11.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current 3-Year FCF Growth Rate of 22.20%. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current 3-Year FCF Growth Rate is 22.20%, which is 87% above median its 10-year median of 11.85 and 5450% above the Banks industry median of 0.40. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For NLB Banka ad (XBLB:VBBB-R-A), the current 3-Year FCF Growth Rate is 22.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
NLB Banka ad is a commercial bank operating in Bosnia and Herzegovina, with its headquarters in Sarajevo. It provides retail banking services to private individuals, including current and savings accounts, consumer and housing loans, payment cards, and digital banking. The bank also serves small and medium-sized enterprises, large corporations, and public institutions through corporate banking, offering business accounts, lending, trade finance, and treasury services. In addition, it conducts financial market activities such as foreign exchange and securities operations. Revenue is generated primarily from net interest income on loans and deposits, supplemented by fees and commissions from payment services, account maintenance, and other banking products. The bank operates through a branch network across the country and is part of the NLB Group, a regional banking group headquartered in Slovenia.
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