National Bank of Fujairah PSC (ADX:NBF) Cyclically Adjusted FCF per Share: د.إ0.65 (As of Mar. 2026)

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ADX:NBF National Bank of Fujairah PSC ADX:NBF
56 GF Score
Price د.إ5.00
GF Value د.إ5.15
Valuation Fairly Valued
! 5 Warning Signs
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What is National Bank of Fujairah PSC Cyclically Adjusted FCF per Share?

National Bank of Fujairah PSC ADX:NBF 56 Cyclically Adjusted FCF per Share is د.إ0.65 as of Mar. 2026. GuruFocus rates ADX:NBF with a GF Score™ of 56/100 and a GF Value™ of د.إ5.15 (Fairly Valued). The stock has 5 warning signs investors should review.

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.

National Bank of Fujairah PSC's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ-0.049. 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 د.إ0.65 for the trailing ten years ended in Mar. 2026.

During the past 12 months, National Bank of Fujairah PSC's average Cyclically Adjusted FCF Growth Rate was -8.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 6.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 6.20% 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 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 National Bank of Fujairah PSC was 7.50% per year. The lowest was 0.70% per year. And the median was 6.70% per year.

As of today (2026-07-21), National Bank of Fujairah PSC's current stock price is د.إ5.00. National Bank of Fujairah PSC's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ0.65. National Bank of Fujairah PSC's Cyclically Adjusted Price-to-FCF of today is 7.69.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of National Bank of Fujairah PSC was 10.96. The lowest was 3.81. And the median was 8.08.


National Bank of Fujairah PSC  (ADX:NBF) 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.

National Bank of Fujairah PSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=5.00/0.65
=7.69

* 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 National Bank of Fujairah PSC was 10.96. The lowest was 3.81. And the median was 8.08.


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.


National Bank of Fujairah PSC Cyclically Adjusted FCF per Share Related Terms


National Bank of Fujairah PSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for National Bank of Fujairah PSC'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.

National Bank of Fujairah PSC Cyclically Adjusted FCF per Share Chart

National Bank of Fujairah PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.54 0.56 0.51 0.67 0.68

National Bank of Fujairah PSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 0.71 0.74 0.68 0.68 0.65

National Bank of Fujairah PSC Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, National Bank of Fujairah PSC'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.


National Bank of Fujairah PSC Cyclically Adjusted Price-to-FCF vs Banks Industry

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

* The bar in red indicates where National Bank of Fujairah PSC's Cyclically Adjusted Price-to-FCF falls into.


ADX:NBF
56GF Score
National Bank of Fujairah PSC ADX:NBF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bank of Fujairah PSC 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, National Bank of Fujairah PSC's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.049/330.2130*330.2130
=-0.049

Current CPI (Mar. 2026) = 330.2130.

National Bank of Fujairah PSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.171 241.018 -0.234
201609 -0.285 241.428 -0.390
201612 1.188 241.432 1.625
201703 0.106 243.801 0.144
201706 -0.987 244.955 -1.331
201709 0.542 246.819 0.725
201712 0.561 246.524 0.751
201803 -0.450 249.554 -0.595
201806 -0.153 251.989 -0.200
201809 0.398 252.439 0.521
201812 0.756 251.233 0.994
201903 -0.764 254.202 -0.992
201906 -0.529 256.143 -0.682
201909 -0.074 256.759 -0.095
201912 0.705 256.974 0.906
202003 -0.123 258.115 -0.157
202006 2.126 257.797 2.723
202009 0.535 260.280 0.679
202012 -0.656 260.474 -0.832
202103 0.041 264.877 0.051
202106 0.285 271.696 0.346
202109 -1.071 274.310 -1.289
202112 1.347 278.802 1.595
202203 -1.029 287.504 -1.182
202206 -0.033 296.311 -0.037
202209 0.414 296.808 0.461
202212 1.081 296.797 1.203
202303 -0.432 301.836 -0.473
202306 -0.460 305.109 -0.498
202309 0.912 307.789 0.978
202312 -0.023 306.746 -0.025
202403 -0.051 312.332 -0.054
202406 0.138 314.175 0.145
202409 -0.227 315.301 -0.238
202412 1.686 315.605 1.764
202503 -0.404 319.799 -0.417
202506 0.482 322.561 0.493
202509 -0.464 324.800 -0.472
202512 0.667 324.054 0.680
202603 -0.049 330.213 -0.049

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

What does a Cyclically Adjusted FCF per Share of د.إ0.65 mean?
National Bank of Fujairah PSC (ADX:NBF) has a Cyclically Adjusted FCF per Share of د.إ0.65 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on National Bank of Fujairah PSC and its competitors.
Is National Bank of Fujairah PSC's Cyclically Adjusted FCF per Share too high?
National Bank of Fujairah PSC's current Cyclically Adjusted FCF per Share is د.إ0.65. Overall, National Bank of Fujairah PSC has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Fujairah PSC's Cyclically Adjusted FCF per Share compare to competitors?
National Bank of Fujairah PSC's Cyclically Adjusted FCF per Share of د.إ0.65 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on National Bank of Fujairah PSC and its competitors. National Bank of Fujairah PSC's current Cyclically Adjusted FCF per Share is د.إ0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Fujairah PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Fujairah PSC (ADX:NBF) is currently considered Fairly Valued. The stock's GF Value™ is د.إ5.15, compared to a current price of د.إ5.00 — trading 2.9% below its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.65. National Bank of Fujairah PSC's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For National Bank of Fujairah PSC (ADX:NBF), the current Cyclically Adjusted FCF per Share is د.إ0.65 as of Mar. 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.

Is National Bank of Fujairah PSC (ADX:NBF) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Fujairah PSC stock appears to be undervalued. The current stock price of د.إ5.00 is trading 2.9% below its estimated GF Value™ of د.إ5.15. GuruFocus considers National Bank of Fujairah PSC to be Fairly Valued.

Key valuation signals for ADX:NBF:

  • Cyclically Adjusted FCF per Share: د.إ0.65
  • GF Value™: د.إ5.15 vs. price of د.إ5.00 (2.9% below fair value)
  • GF Score™: 56/100 with 5 warning signs

No single metric tells the full story. See the ADX:NBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


National Bank of Fujairah PSC Business Description

Address Hamad Bin Abdullah Street, P.O. Box 887, Fujairah, ARE
National Bank of Fujairah PSC is a UAE-based commercial bank. It provides commercial banking products and services in the United Arab Emirates. The group conducts its activity through segments namely, Corporate and Institutional Banking; Business Banking, Retail Banking; and Treasury, Asset and Liability Management and others. Its products and services include current, savings and fixed deposit, and personal, auto, home, and construction loans, as well as guarantees, overdrafts, and term lending solutions. The company's majority of the revenue is generated from the Business Banking segment which offers a products and services including credit and trade finance products, and services to small and medium sized customers through separate units and accepts deposits.
56GF Score

Get the complete analysis for ADX:NBF

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ5.00
Price
د.إ5.15
GF Value