SpareBank 1 Helgeland (STU:Z1D) Cyclically Adjusted FCF per Share: €2.18 (As of Mar. 2026)

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STU:Z1D SpareBank 1 Helgeland STU:Z1D
52 GF Score
Price €13.64
GF Value €11.22
! 5 Warning Signs
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What is SpareBank 1 Helgeland Cyclically Adjusted FCF per Share?

SpareBank 1 Helgeland STU:Z1D +2.14% 52 Cyclically Adjusted FCF per Share is €2.18 as of Mar. 2026. GuruFocus rates STU:Z1D with a GF Score™ of 52/100 and a GF Value™ of €11.22. 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.

SpareBank 1 Helgeland's adjusted free cash flow per share for the three months ended in Mar. 2026 was €1.609. 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 €2.18 for the trailing ten years ended in Mar. 2026.

During the past 12 months, SpareBank 1 Helgeland's average Cyclically Adjusted FCF Growth Rate was 35.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 4.00% 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 SpareBank 1 Helgeland was 99.80% per year. The lowest was 4.00% per year. And the median was 51.90% per year.

As of today (2026-07-25), SpareBank 1 Helgeland's current stock price is €13.642. SpareBank 1 Helgeland's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €2.18. SpareBank 1 Helgeland's Cyclically Adjusted Price-to-FCF of today is 6.26.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of SpareBank 1 Helgeland was 233.33. The lowest was 4.68. And the median was 7.99.


SpareBank 1 Helgeland  (STU:Z1D) 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.

SpareBank 1 Helgeland's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=13.642/2.18
=6.26

* 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 SpareBank 1 Helgeland was 233.33. The lowest was 4.68. And the median was 7.99.


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.


SpareBank 1 Helgeland Cyclically Adjusted FCF per Share Related Terms


SpareBank 1 Helgeland Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for SpareBank 1 Helgeland'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.

SpareBank 1 Helgeland Cyclically Adjusted FCF per Share Chart

SpareBank 1 Helgeland 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 1.87 1.62 1.84

SpareBank 1 Helgeland 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 1.58 1.59 1.74 1.84 2.18

SpareBank 1 Helgeland Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, SpareBank 1 Helgeland'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.


SpareBank 1 Helgeland Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, SpareBank 1 Helgeland's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where SpareBank 1 Helgeland's Cyclically Adjusted Price-to-FCF falls into.


STU:Z1D
52GF Score
SpareBank 1 Helgeland STU:Z1D
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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SpareBank 1 Helgeland 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, SpareBank 1 Helgeland'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)
=1.609/141.0300*141.0300
=1.609

Current CPI (Mar. 2026) = 141.0300.

SpareBank 1 Helgeland Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.318 103.800 0.432
201609 0.058 104.200 0.079
201612 0.366 104.400 0.494
201703 -1.617 105.000 -2.172
201706 2.144 105.800 2.858
201709 -3.331 105.900 -4.436
201712 -2.638 106.100 -3.506
201803 0.154 107.300 0.202
201806 -0.524 108.500 -0.681
201809 -1.031 109.500 -1.328
201812 -1.487 109.800 -1.910
201903 -0.162 110.400 -0.207
201906 1.716 110.600 2.188
201909 1.345 111.100 1.707
201912 5.516 111.300 6.989
202003 0.476 111.200 0.604
202006 2.738 112.100 3.445
202009 -1.157 112.900 -1.445
202012 -0.661 112.900 -0.826
202103 4.896 114.600 6.025
202106 -0.164 115.300 -0.201
202109 -6.731 117.500 -8.079
202112 -0.686 118.900 -0.814
202203 2.453 119.800 2.888
202206 3.363 122.600 3.869
202209 1.741 125.600 1.955
202212 5.726 125.900 6.414
202303 1.179 127.600 1.303
202306 3.275 130.400 3.542
202309 0.765 129.800 0.831
202312 0.261 131.900 0.279
202403 0.207 132.600 0.220
202406 3.360 133.800 3.542
202409 -1.400 133.700 -1.477
202412 -2.762 134.800 -2.890
202503 0.181 136.100 0.188
202506 0.906 137.800 0.927
202509 -2.010 138.500 -2.047
202512 2.386 139.100 2.419
202603 1.609 141.030 1.609

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 €2.18 mean?
SpareBank 1 Helgeland (STU:Z1D) has a Cyclically Adjusted FCF per Share of €2.18 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 SpareBank 1 Helgeland and its competitors.
Is SpareBank 1 Helgeland's Cyclically Adjusted FCF per Share too high?
SpareBank 1 Helgeland's current Cyclically Adjusted FCF per Share is €2.18. Overall, SpareBank 1 Helgeland has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Helgeland's Cyclically Adjusted FCF per Share compare to competitors?
SpareBank 1 Helgeland's Cyclically Adjusted FCF per Share of €2.18 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 SpareBank 1 Helgeland and its competitors. SpareBank 1 Helgeland's current Cyclically Adjusted FCF per Share is €2.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Helgeland stock overvalued right now?
SpareBank 1 Helgeland (STU:Z1D) has a current Cyclically Adjusted FCF per Share of €2.18. The stock's GF Value™ is €11.22, compared to a current price of €13.64 — trading 21.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €2.18. SpareBank 1 Helgeland's overall GF Score™ is 52/100 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 SpareBank 1 Helgeland (STU:Z1D), the current Cyclically Adjusted FCF per Share is €2.18 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 SpareBank 1 Helgeland (STU:Z1D) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Helgeland stock appears to be overvalued. The current stock price of €13.64 is trading 21.6% above its estimated GF Value™ of €11.22.

Key valuation signals for STU:Z1D:

  • Cyclically Adjusted FCF per Share: €2.18
  • GF Value™: €11.22 vs. price of €13.64 (21.6% above fair value)
  • GF Score™: 52/100 with 5 warning signs

No single metric tells the full story. See the STU:Z1D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SpareBank 1 Helgeland Business Description

Other Exchanges HELG:Norway
Address Jernbanegata 15, Mo i Rana, NOR, 8622
SpareBank 1 Helgeland is a regional bank engaged in providing banking and financial services. It offers savings products, payment services, credit cards, saving accounts, placement services, loans, insurance, shares, and currencies, as well as an online banking facility. The bank's operations are divided into two segments: Retail Market (RM) and Corporate Market (CM). The company serves creditors, customers, employees, management, and society in general. Geographically, all the operations of the bank are carried out from Helgeland.
52GF Score

Get the complete analysis for STU:Z1D

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

€13.64
Price
€11.22
GF Value