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VersaBank (STU:VEW) Cyclically Adjusted FCF per Share : €0.70 (As of Jan. 2025)


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What is VersaBank Cyclically Adjusted FCF per Share?

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.

VersaBank's adjusted free cash flow per share for the three months ended in Jan. 2025 was €-2.091. 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 €0.70 for the trailing ten years ended in Jan. 2025.

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 (2025-05-22), VersaBank's current stock price is €9.90. VersaBank's Cyclically Adjusted FCF per Share for the quarter that ended in Jan. 2025 was €0.70. VersaBank's Cyclically Adjusted Price-to-FCF of today is 14.14.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of VersaBank was 152.10. The lowest was 11.71. And the median was 22.83.


VersaBank Cyclically Adjusted FCF per Share Historical Data

The historical data trend for VersaBank'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.

* Premium members only.

VersaBank Cyclically Adjusted FCF per Share Chart

VersaBank Annual Data
Trend Oct15 Oct16 Oct17 Oct18 Oct19 Oct20 Oct21 Oct22 Oct23 Oct24
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 0.82

VersaBank Quarterly Data
Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25
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 - -0.08 0.59 0.82 0.70

Competitive Comparison of VersaBank's Cyclically Adjusted FCF per Share

For the Banks - Regional subindustry, VersaBank'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.


VersaBank's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

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

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


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VersaBank 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, VersaBank's adjusted Free Cash Flow per Share data for the three months ended in Jan. 2025 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jan. 2025 (Change)*Current CPI (Jan. 2025)
=-2.091/127.4427*127.4427
=-2.091

Current CPI (Jan. 2025) = 127.4427.

VersaBank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201504 -1.227 99.710 -1.568
201507 0.212 100.579 0.269
201510 -0.240 100.500 -0.304
201601 0.752 100.184 0.957
201604 -1.186 101.370 -1.491
201607 0.380 101.844 0.476
201610 -1.563 102.002 -1.953
201701 1.544 102.318 1.923
201704 -1.143 103.029 -1.414
201707 0.304 103.029 0.376
201710 1.837 103.424 2.264
201801 -2.323 104.056 -2.845
201804 1.839 105.320 2.225
201807 -0.551 106.110 -0.662
201810 0.496 105.952 0.597
201901 -1.042 105.557 -1.258
201904 1.048 107.453 1.243
201907 -0.402 108.243 -0.473
201910 1.044 107.927 1.233
202001 -0.429 108.085 -0.506
202004 7.197 107.216 8.555
202007 0.458 108.401 0.538
202010 -2.880 108.638 -3.379
202101 -0.811 109.192 -0.947
202104 -0.331 110.851 -0.381
202107 0.853 112.431 0.967
202110 -2.876 113.695 -3.224
202201 -2.881 114.801 -3.198
202204 1.087 118.357 1.170
202207 -2.987 120.964 -3.147
202210 3.977 121.517 4.171
202301 0.874 121.596 0.916
202304 0.494 123.571 0.509
202307 0.299 124.914 0.305
202310 0.792 125.310 0.805
202401 -0.899 125.072 -0.916
202404 1.320 126.890 1.326
202407 2.190 128.075 2.179
202410 3.941 127.838 3.929
202501 -2.091 127.443 -2.091

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


VersaBank  (STU:VEW) 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=9.90/0.70
=14.14

* 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 VersaBank was 152.10. The lowest was 11.71. And the median was 22.83.


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.


VersaBank Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of VersaBank's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


VersaBank Business Description

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GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » VersaBank (STU:VEW) » Definitions » Cyclically Adjusted FCF per Share
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Address
140 Fullarton Street, Suite 2002, London, ON, CAN, N6A 5P2
VersaBank is a Canadian Schedule I chartered bank with a difference. It has 3 operating segments: Digital Banking Canada, Digital Banking USA and DRTC. It's, cloud-based, business-to-business deposit and lending model provides valued-added solutions to Canadian financial intermediary partners, enabling them to focus on growing their own businesses faster and more profitably. It obtains all of its deposits and provides the majority of its loans and leases electronically, with deposit and lending solutions for financial intermediaries that allow them to excel in their core businesses. In addition, leveraging its internally developed IT security software and capabilities, Company established a wholly owned, subsidiary. Geographically located in Canada and USA.

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