Pubali Bank (DHA:PUBALIBANK) Cyclically Adjusted FCF per Share: BDT10.14 (As of Mar. 2026)

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DHA:PUBALIBANK Pubali Bank PLC DHA:PUBALIBANK
88 GF Score
Price BDT39.00
GF Value BDT28.46
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Pubali Bank Cyclically Adjusted FCF per Share?

Pubali Bank DHA:PUBALIBANK +0.52% 88 Cyclically Adjusted FCF per Share is BDT10.14 as of Mar. 2026. GuruFocus rates DHA:PUBALIBANK with a GF Score™ of 88/100 and a GF Value™ of BDT28.46 (Significantly Overvalued). 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.

Pubali Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was BDT13.697. 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 BDT10.14 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 (2026-07-31), Pubali Bank's current stock price is BDT39.00. Pubali Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was BDT10.14. Pubali Bank's Cyclically Adjusted Price-to-FCF of today is 3.85.

During the past 12 years, the highest Cyclically Adjusted Price-to-FCF of Pubali Bank was 4.06. The lowest was 1.91. And the median was 2.99.


Pubali Bank  (DHA:PUBALIBANK) 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=39.00/10.14
=3.85

* 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 12 years, the highest Cyclically Adjusted Price-to-FCF of Pubali Bank was 4.06. The lowest was 1.91. And the median was 2.99.


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.


Pubali Bank Cyclically Adjusted FCF per Share Related Terms


Pubali Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Pubali Bank'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.

Pubali Bank Cyclically Adjusted FCF per Share Chart

Pubali Bank 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 0.00 0.00 0.00 0.00 8.33

Pubali Bank 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 0.00 9.40 11.76 8.33 10.14

Pubali Bank Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Pubali Bank'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.


Pubali Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


DHA:PUBALIBANK
88GF Score
Pubali Bank PLC DHA:PUBALIBANK
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pubali Bank 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, Pubali Bank'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)
=13.697/330.2130*330.2130
=13.697

Current CPI (Mar. 2026) = 330.2130.

Pubali Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 2.575 241.018 3.528
201609 1.578 241.428 2.158
201612 2.391 241.432 3.270
201703 4.570 243.801 6.190
201706 0.413 244.955 0.557
201709 -3.396 246.819 -4.543
201712 -0.933 246.524 -1.250
201803 -0.783 249.554 -1.036
201806 3.683 251.989 4.826
201809 2.242 252.439 2.933
201812 -3.083 251.233 -4.052
201903 4.479 254.202 5.818
201906 -2.385 256.143 -3.075
201909 -1.120 256.759 -1.440
201912 -2.515 256.974 -3.232
202003 3.096 258.115 3.961
202006 -5.187 257.797 -6.644
202009 2.386 260.280 3.027
202012 2.002 260.474 2.538
202103 2.513 264.877 3.133
202106 3.313 271.696 4.027
202109 -2.115 274.310 -2.546
202112 -1.983 278.802 -2.349
202203 0.599 287.504 0.688
202206 -5.618 296.311 -6.261
202209 -1.489 296.808 -1.657
202212 3.940 296.797 4.384
202303 -3.891 301.836 -4.257
202306 2.108 305.109 2.281
202309 -0.476 307.789 -0.511
202312 3.178 306.746 3.421
202403 6.437 312.332 6.806
202406 18.349 314.175 19.286
202409 5.648 315.301 5.915
202412 15.475 315.605 16.191
202503 14.217 319.799 14.680
202506 17.044 322.561 17.448
202509 24.766 324.800 25.179
202512 -31.055 324.054 -31.645
202603 13.697 330.213 13.697

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 BDT10.14 mean?
Pubali Bank (DHA:PUBALIBANK) has a Cyclically Adjusted FCF per Share of BDT10.14 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 Pubali Bank and its competitors.
Is Pubali Bank's Cyclically Adjusted FCF per Share too high?
Pubali Bank's current Cyclically Adjusted FCF per Share is BDT10.14. Overall, Pubali Bank has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pubali Bank's Cyclically Adjusted FCF per Share compare to competitors?
Pubali Bank's Cyclically Adjusted FCF per Share of BDT10.14 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 Pubali Bank and its competitors. Pubali Bank's current Cyclically Adjusted FCF per Share is BDT10.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pubali Bank stock overvalued right now?
Based on GuruFocus' analysis, Pubali Bank (DHA:PUBALIBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT28.46, compared to a current price of BDT39.00 — trading 37% above its estimated fair value. The current Cyclically Adjusted FCF per Share is BDT10.14. Pubali Bank's overall GF Score™ is 88/100 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 Pubali Bank (DHA:PUBALIBANK), the current Cyclically Adjusted FCF per Share is BDT10.14 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 Pubali Bank (DHA:PUBALIBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Pubali Bank stock appears to be overvalued. The current stock price of BDT39.00 is trading 37% above its estimated GF Value™ of BDT28.46. GuruFocus considers Pubali Bank to be Significantly Overvalued.

Key valuation signals for DHA:PUBALIBANK:

  • Cyclically Adjusted FCF per Share: BDT10.14
  • GF Value™: BDT28.46 vs. price of BDT39.00 (37% above fair value)
  • GF Score™: 88/100 with 5 warning signs

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


Pubali Bank Business Description

Address 26, Dilkusha Commercial Area, G.P.O. Box Number 853, Dhaka, BGD, 1000
Pubali Bank PLC provides commercial banking services in Bangladesh. The bank offers deposit products that include savings bank accounts, fixed deposit accounts, short-term deposit accounts, current accounts, pension accounts, and foreign currency accounts. Its business segments are comprised of Conventional Banking, Islamic Banking, Off-shore Banking and Pubali Bank Securities Limited.
88GF Score

Get the complete analysis for DHA:PUBALIBANK

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

BDT39.00
Price
BDT28.46
GF Value