The Housing Bank for Trade & Finance (AMM:THBK) Cyclically Adjusted FCF per Share: JOD0.04 (As of Mar. 2026)


AMM:THBK The Housing Bank for Trade & Finance AMM:THBK
76 GF Score
Price JOD4.85
GF Value JOD3.89
Valuation Modestly Overvalued
! 7 Warning Signs
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What is The Housing Bank for Trade & Finance Cyclically Adjusted FCF per Share?

The Housing Bank for Trade & Finance AMM:THBK +1.04% 76 Cyclically Adjusted FCF per Share is JOD0.04 as of Mar. 2026. GuruFocus rates AMM:THBK with a GF Score™ of 76/100 and a GF Value™ of JOD3.89 (Modestly Overvalued). The stock has 7 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.

The Housing Bank for Trade & Finance's adjusted free cash flow per share for the three months ended in Mar. 2026 was JOD-0.813. 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 JOD0.04 for the trailing ten years ended in Mar. 2026.

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.

As of today (2026-07-08), The Housing Bank for Trade & Finance's current stock price is JOD4.85. The Housing Bank for Trade & Finance's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was JOD0.04. The Housing Bank for Trade & Finance's Cyclically Adjusted Price-to-FCF of today is 121.25.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of The Housing Bank for Trade & Finance was 448.00. The lowest was 30.08. And the median was 119.63.


The Housing Bank for Trade & Finance  (AMM:THBK) 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.

The Housing Bank for Trade & Finance's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=4.85/0.04
=121.25

* 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 The Housing Bank for Trade & Finance was 448.00. The lowest was 30.08. And the median was 119.63.


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.


The Housing Bank for Trade & Finance Cyclically Adjusted FCF per Share Related Terms


The Housing Bank for Trade & Finance Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for The Housing Bank for Trade & Finance'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.

The Housing Bank for Trade & Finance Cyclically Adjusted FCF per Share Chart

The Housing Bank for Trade & Finance 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 -0.04 0.01 -0.08 -0.18 0.01

The Housing Bank for Trade & Finance 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 -0.18 -0.12 0.13 0.01 0.04

The Housing Bank for Trade & Finance Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, The Housing Bank for Trade & Finance'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.


The Housing Bank for Trade & Finance Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, The Housing Bank for Trade & Finance's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where The Housing Bank for Trade & Finance's Cyclically Adjusted Price-to-FCF falls into.


AMM:THBK
76GF Score
The Housing Bank for Trade & Finance AMM:THBK
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The Housing Bank for Trade & Finance 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, The Housing Bank for Trade & Finance'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)
=-0.813/330.2130*330.2130
=-0.813

Current CPI (Mar. 2026) = 330.2130.

The Housing Bank for Trade & Finance Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.537 241.018 -0.736
201609 -0.770 241.428 -1.053
201612 0.424 241.432 0.580
201703 -0.149 243.801 -0.202
201706 -0.262 244.955 -0.353
201709 0.252 246.819 0.337
201712 0.405 246.524 0.542
201803 -0.252 249.554 -0.333
201806 -0.125 251.989 -0.164
201809 0.434 252.439 0.568
201812 0.362 251.233 0.476
201903 -0.057 254.202 -0.074
201906 -0.428 256.143 -0.552
201909 0.762 256.759 0.980
201912 -0.190 256.974 -0.244
202003 -0.474 258.115 -0.606
202006 -1.176 257.797 -1.506
202009 0.158 260.280 0.200
202012 0.658 260.474 0.834
202103 -0.292 264.877 -0.364
202106 -0.247 271.696 -0.300
202109 0.422 274.310 0.508
202112 0.327 278.802 0.387
202203 -0.307 287.504 -0.353
202206 -0.457 296.311 -0.509
202209 0.515 296.808 0.573
202212 -0.002 296.797 -0.002
202303 0.208 301.836 0.228
202306 -0.036 305.109 -0.039
202309 0.553 307.789 0.593
202312 0.354 306.746 0.381
202403 -0.297 312.332 -0.314
202406 0.460 314.175 0.483
202409 0.238 315.301 0.249
202412 0.595 315.605 0.623
202503 -0.526 319.799 -0.543
202506 0.512 322.561 0.524
202509 0.414 324.800 0.421
202512 -0.038 324.054 -0.039
202603 -0.813 330.213 -0.813

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 JOD0.04 mean?
The Housing Bank for Trade & Finance (AMM:THBK) has a Cyclically Adjusted FCF per Share of JOD0.04 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 The Housing Bank for Trade & Finance and its competitors.
Is The Housing Bank for Trade & Finance's Cyclically Adjusted FCF per Share too high?
The Housing Bank for Trade & Finance's current Cyclically Adjusted FCF per Share is JOD0.04. Overall, The Housing Bank for Trade & Finance has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Housing Bank for Trade & Finance's Cyclically Adjusted FCF per Share compare to competitors?
The Housing Bank for Trade & Finance's Cyclically Adjusted FCF per Share of JOD0.04 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 The Housing Bank for Trade & Finance and its competitors. The Housing Bank for Trade & Finance's current Cyclically Adjusted FCF per Share is JOD0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Housing Bank for Trade & Finance stock overvalued right now?
Based on GuruFocus' analysis, The Housing Bank for Trade & Finance (AMM:THBK) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD3.89, compared to a current price of JOD4.85 — trading 24.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is JOD0.04. The Housing Bank for Trade & Finance's overall GF Score™ is 76/100 with 7 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 The Housing Bank for Trade & Finance (AMM:THBK), the current Cyclically Adjusted FCF per Share is JOD0.04 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 The Housing Bank for Trade & Finance (AMM:THBK) Overvalued in 2026?

Based on GuruFocus' analysis, The Housing Bank for Trade & Finance stock appears to be overvalued. The current stock price of JOD4.85 is trading 24.7% above its estimated GF Value™ of JOD3.89. GuruFocus considers The Housing Bank for Trade & Finance to be Modestly Overvalued.

Key valuation signals for AMM:THBK:

  • Cyclically Adjusted FCF per Share: JOD0.04
  • GF Value™: JOD3.89 vs. price of JOD4.85 (24.7% above fair value)
  • GF Score™: 76/100 with 7 warning signs

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


The Housing Bank for Trade & Finance Business Description

Address Prince Shaker Bin Zaid Street, Al-Shumaysani, PO Box 7693, Amman, JOR, 11118
The Housing Bank for Trade & Finance is a commercial banking setup based in Jordan. Its operating segments include Retail Banking, Corporate, Corporate Finance, Treasury, and Others. The Retail Banking segment, which generates maximum revenue, includes accepting deposits from individual customers and small businesses and granting loans, credit cards, and other services. Its Corporate segment includes following up on deposits, credit facilities, and other banking services for institutional and corporate clients; the Corporate Finance segment relates to arranging structured finance and providing services relating to privatizations, IPOs, mergers, and acquisitions; and the Treasury segment provides trading and treasury services and management of the bank's funds in money and capital markets.
76GF Score

Get the complete analysis for AMM:THBK

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

JOD4.85
Price
JOD3.89
GF Value