Prosperity Bancshares (FRA:PPY) Cyclically Adjusted FCF per Share: €5.53 (As of Mar. 2026)

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FRA:PPY Prosperity Bancshares Inc FRA:PPY
77 GF Score
Price €64.00
GF Value €71.38
! 2 Warning Signs
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What is Prosperity Bancshares Cyclically Adjusted FCF per Share?

Prosperity Bancshares FRA:PPY -1.54% 77 Cyclically Adjusted FCF per Share is €5.53 as of Mar. 2026. GuruFocus rates FRA:PPY with a GF Score™ of 77/100 and a GF Value™ of €71.38. The stock has 2 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.

Prosperity Bancshares's adjusted free cash flow per share for the three months ended in Mar. 2026 was €1.543. 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 €5.53 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Prosperity Bancshares's average Cyclically Adjusted FCF Growth Rate was 1.10% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 2.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 4.40% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 5.90% 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 Prosperity Bancshares was 12.30% per year. The lowest was 2.10% per year. And the median was 7.00% per year.

As of today (2026-07-21), Prosperity Bancshares's current stock price is €64.00. Prosperity Bancshares's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €5.53. Prosperity Bancshares's Cyclically Adjusted Price-to-FCF of today is 11.57.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Prosperity Bancshares was 18.81. The lowest was 7.80. And the median was 12.37.


Prosperity Bancshares  (FRA:PPY) 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.

Prosperity Bancshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=64.00/5.53
=11.57

* 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 Prosperity Bancshares was 18.81. The lowest was 7.80. And the median was 12.37.


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.


Prosperity Bancshares Cyclically Adjusted FCF per Share Related Terms


Prosperity Bancshares Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Prosperity Bancshares'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.

Prosperity Bancshares Cyclically Adjusted FCF per Share Chart

Prosperity Bancshares 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 5.09 5.74 5.85 6.12 5.57

Prosperity Bancshares 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 5.78 5.51 5.51 5.57 5.53

FRA:PPY vs CBC, FNB, VLY: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Prosperity Bancshares'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.


Prosperity Bancshares Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


FRA:PPY
77GF Score
Prosperity Bancshares Inc FRA:PPY
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Prosperity Bancshares 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, Prosperity Bancshares'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)
=1.543/330.2130*330.2130
=1.543

Current CPI (Mar. 2026) = 330.2130.

Prosperity Bancshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.823 241.018 1.128
201609 1.601 241.428 2.190
201612 -0.260 241.432 -0.356
201703 1.929 243.801 2.613
201706 0.782 244.955 1.054
201709 1.634 246.819 2.186
201712 0.483 246.524 0.647
201803 0.865 249.554 1.145
201806 0.946 251.989 1.240
201809 0.787 252.439 1.029
201812 1.124 251.233 1.477
201903 1.646 254.202 2.138
201906 0.822 256.143 1.060
201909 1.825 256.759 2.347
201912 0.541 256.974 0.695
202003 1.953 258.115 2.499
202006 2.126 257.797 2.723
202009 0.493 260.280 0.625
202012 0.718 260.474 0.910
202103 2.015 264.877 2.512
202106 1.795 271.696 2.182
202109 1.660 274.310 1.998
202112 0.681 278.802 0.807
202203 2.093 287.504 2.404
202206 0.764 296.311 0.851
202209 2.063 296.808 2.295
202212 -0.089 296.797 -0.099
202303 1.736 301.836 1.899
202306 1.856 305.109 2.009
202309 2.324 307.789 2.493
202312 0.228 306.746 0.245
202403 1.769 312.332 1.870
202406 2.055 314.175 2.160
202409 2.556 315.301 2.677
202412 -2.112 315.605 -2.210
202503 1.661 319.799 1.715
202506 0.835 322.561 0.855
202509 1.664 324.800 1.692
202512 0.622 324.054 0.634
202603 1.543 330.213 1.543

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 €5.53 mean?
Prosperity Bancshares (FRA:PPY) has a Cyclically Adjusted FCF per Share of €5.53 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 Prosperity Bancshares and its competitors.
Is Prosperity Bancshares' Cyclically Adjusted FCF per Share too high?
Prosperity Bancshares' current Cyclically Adjusted FCF per Share is €5.53. Overall, Prosperity Bancshares has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Prosperity Bancshares' Cyclically Adjusted FCF per Share compare to CBC and FNB?
Prosperity Bancshares' Cyclically Adjusted FCF per Share of €5.53 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 Prosperity Bancshares and its competitors. Prosperity Bancshares's current Cyclically Adjusted FCF per Share is €5.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prosperity Bancshares stock overvalued right now?
Prosperity Bancshares (FRA:PPY) has a current Cyclically Adjusted FCF per Share of €5.53. The stock's GF Value™ is €71.38, compared to a current price of €64.00 — trading 10.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is €5.53. Prosperity Bancshares' overall GF Score™ is 77/100 with 2 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 Prosperity Bancshares (FRA:PPY), the current Cyclically Adjusted FCF per Share is €5.53 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 Prosperity Bancshares (FRA:PPY) Overvalued in 2026?

Based on GuruFocus' analysis, Prosperity Bancshares stock appears to be undervalued. The current stock price of €64.00 is trading 10.3% below its estimated GF Value™ of €71.38.

Key valuation signals for FRA:PPY:

  • Cyclically Adjusted FCF per Share: €5.53
  • GF Value™: €71.38 vs. price of €64.00 (10.3% below fair value)
  • GF Score™: 77/100 with 2 warning signs

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


Prosperity Bancshares Business Description

Other Exchanges PB:USA
Address Prosperity Bank Plaza, 4295 San Felipe, Houston, TX, USA, 77027
Prosperity Bancshares Inc provides retail and commercial banking services to individuals and small to midsize businesses. It provides a wide array of financial products and services to businesses and consumers throughout Texas and Oklahoma. The bank provides Personal, Business, Mortgage, and Banking Services.
77GF Score

Get the complete analysis for FRA:PPY

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

€64.00
Price
€71.38
GF Value