GTPS (Great American Bancorp) Cyclically Adjusted FCF per Share: $3.14 (As of Dec. 2025)


GTPS Great American Bancorp Inc GTPS
75 GF Score
Price $72.00
GF Value $64.12
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Great American Bancorp Cyclically Adjusted FCF per Share?

Great American Bancorp GTPS 75 Cyclically Adjusted FCF per Share is $3.14 as of Dec. 2025. GuruFocus rates GTPS with a GF Score™ of 75/100 and a GF Value™ of $64.12 (Modestly Overvalued). The stock has 4 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.

Great American Bancorp's adjusted free cash flow per share data for the fiscal year that ended in Dec. 2025 was $5.835. 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 $3.14 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Great American Bancorp's average Cyclically Adjusted FCF Growth Rate was 9.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 5.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 1.40% 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 Great American Bancorp was 12.90% per year. The lowest was -3.30% per year. And the median was -0.75% per year.

As of today (2026-07-08), Great American Bancorp's current stock price is $ 72.00. Great American Bancorp's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec. 2025 was $3.14. Great American Bancorp's Cyclically Adjusted Price-to-FCF of today is 22.93.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Great American Bancorp was 24.84. The lowest was 7.00. And the median was 11.63.


Great American Bancorp  (OTCPK:GTPS) 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.

Great American Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=72.00/3.14
=22.93

* 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 Great American Bancorp was 24.84. The lowest was 7.00. And the median was 11.63.


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.


Great American Bancorp Cyclically Adjusted FCF per Share Related Terms


Great American Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Great American Bancorp'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.

Great American Bancorp Cyclically Adjusted FCF per Share Chart

Great American Bancorp Annual Data
Trend Dec07 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 3.01 2.71 2.64 2.86 3.14

Great American Bancorp Semi-Annual Data
Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 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 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 3.01 2.71 2.64 2.86 3.14

GTPS vs MNBO, BAFN, WVFC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Great American Bancorp'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.


Great American Bancorp Cyclically Adjusted Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Great American Bancorp's Cyclically Adjusted Price-to-FCF falls into.


GTPS
75GF Score
Great American Bancorp Inc GTPS
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Great American Bancorp 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, Great American Bancorp's adjusted Free Cash Flow per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=5.835/324.0540*324.0540
=5.835

Current CPI (Dec. 2025) = 324.0540.

Great American Bancorp Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
200712 0.000 210.036 0.000
201712 2.086 246.524 2.742
201812 2.842 251.233 3.666
201912 1.804 256.974 2.275
202012 -2.710 260.474 -3.371
202112 5.891 278.802 6.847
202212 1.879 296.797 2.052
202312 2.015 306.746 2.129
202412 5.896 315.605 6.054
202512 5.835 324.054 5.835

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 $3.14 mean?
Great American Bancorp (GTPS) has a Cyclically Adjusted FCF per Share of $3.14 as of Dec. 2025. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Great American Bancorp and its competitors.
Is Great American Bancorp's Cyclically Adjusted FCF per Share too high?
Great American Bancorp's current Cyclically Adjusted FCF per Share is $3.14. Overall, Great American Bancorp has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great American Bancorp's Cyclically Adjusted FCF per Share compare to MNBO and BAFN?
Great American Bancorp's Cyclically Adjusted FCF per Share of $3.14 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 Great American Bancorp and its competitors. Great American Bancorp's current Cyclically Adjusted FCF per Share is $3.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Great American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Great American Bancorp (GTPS) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.12, compared to a current price of $72.00 — trading 12.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $3.14. Great American Bancorp's overall GF Score™ is 75/100 with 4 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 Great American Bancorp (GTPS), the current Cyclically Adjusted FCF per Share is $3.14 as of Dec. 2025. 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 Great American Bancorp (GTPS) Overvalued in 2026?

Based on GuruFocus' analysis, Great American Bancorp stock appears to be overvalued. The current stock price of $72.00 is trading 12.3% above its estimated GF Value™ of $64.12. GuruFocus considers Great American Bancorp to be Modestly Overvalued.

Key valuation signals for GTPS:

  • Cyclically Adjusted FCF per Share: $3.14
  • GF Value™: $64.12 vs. price of $72.00 (12.3% above fair value)
  • GF Score™: 75/100 with 4 warning signs

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


Great American Bancorp Business Description

Address 1311 South Neil Street, P.O. Box 1010, Champaign, IL, USA, 61820
Great American Bancorp Inc is a holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Federal Savings Bank of Champaign-Urbana (Bank). The Bank is engaged in providing a full range of banking and financial services to individual and corporate customers in Champaign County, Illinois. The Bank also provides full-service brokerage activities through a third-party broker-dealer and engages in the sale of tax-deferred annuities. The Bank's subsidiary offers insurance services to customers located in Illinois.
75GF Score

Get the complete analysis for GTPS

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

$72.00
Price
$64.12
GF Value