National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) Cyclically Adjusted FCF per Share: د.إ0.33 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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ADX:NBQ National Bank of Umm Al-Qaiwain PSC ADX:NBQ
58 GF Score
Price د.إ2.93
GF Value د.إ2.47
Valuation Modestly Overvalued
! 1 Warning Sign
View Full Analysis

What is National Bank of Umm Al-Qaiwain PSC Cyclically Adjusted FCF per Share?

National Bank of Umm Al-Qaiwain PSC ADX:NBQ 58 Cyclically Adjusted FCF per Share is د.إ0.33 as of Jun. 2026. GuruFocus rates ADX:NBQ with a GF Score™ of 58/100 and a GF Value™ of د.إ2.47 (Modestly Overvalued). The stock has 1 warning sign 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 Umm Al-Qaiwain PSC's adjusted free cash flow per share for the three months ended in Jun. 2026 was د.إ0.434. 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.إ0.33 for the trailing ten years ended in Jun. 2026.

During the past 12 months, National Bank of Umm Al-Qaiwain PSC's average Cyclically Adjusted FCF Growth Rate was 26.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.50% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 11.80% 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 Umm Al-Qaiwain PSC was 23.10% per year. The lowest was 4.60% per year. And the median was 9.50% per year.

As of today (2026-09-06), National Bank of Umm Al-Qaiwain PSC's current stock price is د.إ2.93. National Bank of Umm Al-Qaiwain PSC's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was د.إ0.33. National Bank of Umm Al-Qaiwain PSC's Cyclically Adjusted Price-to-FCF of today is 8.88.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of National Bank of Umm Al-Qaiwain PSC was 18.14. The lowest was 3.40. And the median was 10.75.


National Bank of Umm Al-Qaiwain PSC  (ADX:NBQ) 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 Umm Al-Qaiwain PSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=2.93/0.33
=8.88

* 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 Umm Al-Qaiwain PSC was 18.14. The lowest was 3.40. And the median was 10.75.


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 Umm Al-Qaiwain PSC Cyclically Adjusted FCF per Share Related Terms


National Bank of Umm Al-Qaiwain PSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for National Bank of Umm Al-Qaiwain 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 Umm Al-Qaiwain PSC Cyclically Adjusted FCF per Share Chart

National Bank of Umm Al-Qaiwain 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 0.15 0.16 0.16 0.28 0.21

National Bank of Umm Al-Qaiwain PSC Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 0.26 0.28 0.21 0.26 0.33

National Bank of Umm Al-Qaiwain PSC Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, National Bank of Umm Al-Qaiwain 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 Umm Al-Qaiwain PSC Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


ADX:NBQ
58GF Score
National Bank of Umm Al-Qaiwain PSC ADX:NBQ
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bank of Umm Al-Qaiwain 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 Umm Al-Qaiwain PSC's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.434/333.9520*333.9520
=0.434

Current CPI (Jun. 2026) = 333.9520.

National Bank of Umm Al-Qaiwain PSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.147 241.428 0.203
201612 -0.245 241.432 -0.339
201703 -0.043 243.801 -0.059
201706 -0.032 244.955 -0.044
201709 0.186 246.819 0.252
201712 -0.324 246.524 -0.439
201803 0.322 249.554 0.431
201806 0.145 251.989 0.192
201809 0.311 252.439 0.411
201812 0.043 251.233 0.057
201903 -0.035 254.202 -0.046
201906 0.189 256.143 0.246
201909 0.097 256.759 0.126
201912 0.025 256.974 0.032
202003 0.005 258.115 0.006
202006 0.359 257.797 0.465
202009 -0.415 260.280 -0.532
202012 0.015 260.474 0.019
202103 0.240 264.877 0.303
202106 -0.052 271.696 -0.064
202109 0.114 274.310 0.139
202112 -0.140 278.802 -0.168
202203 0.075 287.504 0.087
202206 0.243 296.311 0.274
202209 -0.161 296.808 -0.181
202212 0.148 296.797 0.167
202303 0.214 301.836 0.237
202306 0.207 305.109 0.227
202309 -0.009 307.789 -0.010
202312 -0.326 306.746 -0.355
202403 -0.041 312.332 -0.044
202406 -0.068 314.175 -0.072
202409 0.467 315.301 0.495
202412 0.549 315.605 0.581
202503 -0.390 319.799 -0.407
202506 0.629 322.561 0.651
202509 0.124 324.800 0.127
202512 -0.865 324.054 -0.891
202603 0.748 330.213 0.756
202606 0.434 333.952 0.434

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.إ0.33 mean?
National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) has a Cyclically Adjusted FCF per Share of د.إ0.33 as of Jun. 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 Umm Al-Qaiwain PSC and its competitors.
Is National Bank of Umm Al-Qaiwain PSC's Cyclically Adjusted FCF per Share too high?
National Bank of Umm Al-Qaiwain PSC's current Cyclically Adjusted FCF per Share is د.إ0.33. Overall, National Bank of Umm Al-Qaiwain PSC has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Umm Al-Qaiwain PSC's Cyclically Adjusted FCF per Share compare to competitors?
National Bank of Umm Al-Qaiwain PSC's Cyclically Adjusted FCF per Share of د.إ0.33 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 Umm Al-Qaiwain PSC and its competitors. National Bank of Umm Al-Qaiwain PSC's current Cyclically Adjusted FCF per Share is د.إ0.33. 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 Umm Al-Qaiwain PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ2.47, compared to a current price of د.إ2.93 — trading 18.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.33. National Bank of Umm Al-Qaiwain PSC's overall GF Score™ is 58/100 with 1 warning sign 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 Umm Al-Qaiwain PSC (ADX:NBQ), the current Cyclically Adjusted FCF per Share is د.إ0.33 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.

Is National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC stock appears to be overvalued. The current stock price of د.إ2.93 is trading 18.6% above its estimated GF Value™ of د.إ2.47. GuruFocus considers National Bank of Umm Al-Qaiwain PSC to be Modestly Overvalued.

Key valuation signals for ADX:NBQ:

  • Cyclically Adjusted FCF per Share: د.إ0.33
  • GF Value™: د.إ2.47 vs. price of د.إ2.93 (18.6% above fair value)
  • GF Score™: 58/100 with 1 warning sign

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


National Bank of Umm Al-Qaiwain PSC Business Description

Address King Faisal Street, NBQ Building, P.O. Box 800, Umm Al Qaiwain, ARE
National Bank of Umm Al-Qaiwain PSC provides banking services. The company operates in these segments: Retail and Corporate Banking, Treasury and Investments, and others. The majority of its revenue comes from the Treasury and Investments segment, which comprises dealing room-related money markets, and foreign exchange transactions with other banks and financial institutions.
58GF Score

Get the complete analysis for ADX:NBQ

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

د.إ2.93
Price
د.إ2.47
GF Value