CF Bankshares (FRA:2BM) Cyclically Adjusted FCF per Share: €0.60 (As of Jun. 2026)

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FRA:2BM CF Bankshares Inc FRA:2BM
57 GF Score
Price €30.65
GF Value €24.45
! 7 Warning Signs
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What is CF Bankshares Cyclically Adjusted FCF per Share?

CF Bankshares FRA:2BM -0.49% 57 Cyclically Adjusted FCF per Share is €0.60 as of Jun. 2026. GuruFocus rates FRA:2BM with a GF Score™ of 57/100 and a GF Value™ of €24.45. 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.

CF Bankshares's adjusted free cash flow per share for the three months ended in Jun. 2026 was €0.686. 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 €0.60 for the trailing ten years ended in Jun. 2026.

During the past 12 months, CF Bankshares's average Cyclically Adjusted FCF Growth Rate was 46.90% 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 CF Bankshares was 21.40% per year. The lowest was -95.10% per year. And the median was -6.90% per year.

As of today (2026-08-20), CF Bankshares's current stock price is €30.65. CF Bankshares's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €0.60. CF Bankshares's Cyclically Adjusted Price-to-FCF of today is 51.08.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of CF Bankshares was 97.50. The lowest was 3.49. And the median was 45.37.


CF Bankshares  (FRA:2BM) 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.

CF Bankshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=30.65/0.60
=51.08

* 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 CF Bankshares was 97.50. The lowest was 3.49. And the median was 45.37.


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.


CF Bankshares Cyclically Adjusted FCF per Share Related Terms


CF Bankshares Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for CF Bankshares'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.

CF Bankshares Cyclically Adjusted FCF per Share Chart

CF Bankshares 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 0.00

CF Bankshares 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 0.00 0.00 0.00 0.00 0.60

FRA:2BM vs QNBC, EFSI, PBNC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, CF Bankshares'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.


CF Bankshares Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


FRA:2BM
57GF Score
CF Bankshares Inc FRA:2BM
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CF Bankshares 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, CF Bankshares'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)
=0.686/333.9520*333.9520
=0.686

Current CPI (Jun. 2026) = 333.9520.

CF Bankshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.441 241.428 0.610
201612 0.037 241.432 0.051
201703 0.575 243.801 0.788
201706 0.164 244.955 0.224
201709 -0.450 246.819 -0.609
201712 0.665 246.524 0.901
201803 -1.320 249.554 -1.766
201806 -3.115 251.989 -4.128
201809 0.611 252.439 0.808
201812 1.639 251.233 2.179
201903 -1.692 254.202 -2.223
201906 -4.902 256.143 -6.391
201909 -5.585 256.759 -7.264
201912 -7.570 256.974 -9.838
202003 5.835 258.115 7.549
202006 -9.265 257.797 -12.002
202009 -9.817 260.280 -12.596
202012 -2.711 260.474 -3.476
202103 -20.467 264.877 -25.804
202106 24.459 271.696 30.063
202109 20.861 274.310 25.397
202112 7.041 278.802 8.434
202203 2.809 287.504 3.263
202206 1.727 296.311 1.946
202209 -0.005 296.808 -0.006
202212 0.971 296.797 1.093
202303 0.753 301.836 0.833
202306 0.243 305.109 0.266
202309 0.356 307.789 0.386
202312 1.129 306.746 1.229
202403 -0.168 312.332 -0.180
202406 0.590 314.175 0.627
202409 -0.185 315.301 -0.196
202412 1.872 315.605 1.981
202503 0.317 319.799 0.331
202506 1.071 322.561 1.109
202509 0.700 324.800 0.720
202512 0.402 324.054 0.414
202603 0.634 330.213 0.641
202606 0.686 333.952 0.686

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 €0.60 mean?
CF Bankshares (FRA:2BM) has a Cyclically Adjusted FCF per Share of €0.60 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 CF Bankshares and its competitors.
Is CF Bankshares' Cyclically Adjusted FCF per Share too high?
CF Bankshares' current Cyclically Adjusted FCF per Share is €0.60. Overall, CF Bankshares has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does CF Bankshares' Cyclically Adjusted FCF per Share compare to QNBC and EFSI?
CF Bankshares' Cyclically Adjusted FCF per Share of €0.60 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 CF Bankshares and its competitors. CF Bankshares's current Cyclically Adjusted FCF per Share is €0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CF Bankshares stock overvalued right now?
CF Bankshares (FRA:2BM) has a current Cyclically Adjusted FCF per Share of €0.60. The stock's GF Value™ is €24.45, compared to a current price of €30.65 — trading 25.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €0.60. CF Bankshares' overall GF Score™ is 57/100 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 CF Bankshares (FRA:2BM), the current Cyclically Adjusted FCF per Share is €0.60 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 CF Bankshares (FRA:2BM) Overvalued in 2026?

Based on GuruFocus' analysis, CF Bankshares stock appears to be overvalued. The current stock price of €30.65 is trading 25.4% above its estimated GF Value™ of €24.45.

Key valuation signals for FRA:2BM:

  • Cyclically Adjusted FCF per Share: €0.60
  • GF Value™: €24.45 vs. price of €30.65 (25.4% above fair value)
  • GF Score™: 57/100 with 7 warning signs

No single metric tells the full story. See the FRA:2BM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CF Bankshares Business Description

Other Exchanges CFBK:USA
Address 4960 East Dublin Granville Road, Suite 400, Columbus, OH, USA, 43081
CF Bankshares Inc is engaged in the provision of a variety of financial services. It provides personalized business banking products and services, including commercial loans and leases, commercial and residential real estate loans, equipment leasing, SBA loans, and treasury management depository services. The revenues are derived principally from the interest and fees on loans originated and noninterest income generated on the sale of loans.
57GF Score

Get the complete analysis for FRA:2BM

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

€30.65
Price
€24.45
GF Value