WBHC (Wilson Bank Holding Co) Cyclically Adjusted FCF per Share: $5.23 (As of Mar. 2026)


WBHC Wilson Bank Holding Co WBHC
67 GF Score
Price $550.00
GF Value $194.48
! 5 Warning Signs
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What is Wilson Bank Holding Co Cyclically Adjusted FCF per Share?

Wilson Bank Holding Co WBHC 67 Cyclically Adjusted FCF per Share is $5.23 as of Mar. 2026. GuruFocus rates WBHC with a GF Score™ of 67/100 and a GF Value™ of $194.48. 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.

Wilson Bank Holding Co's adjusted free cash flow per share for the three months ended in Mar. 2026 was $1.982. 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 $5.23 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Wilson Bank Holding Co's average Cyclically Adjusted FCF Growth Rate was 10.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 8.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 9.20% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 6.90% 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 Wilson Bank Holding Co was 9.90% per year. The lowest was 1.20% per year. And the median was 5.75% per year.

As of today (2026-07-03), Wilson Bank Holding Co's current stock price is $550.00. Wilson Bank Holding Co's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $5.23. Wilson Bank Holding Co's Cyclically Adjusted Price-to-FCF of today is 105.16.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Wilson Bank Holding Co was 106.59. The lowest was 6.70. And the median was 8.50.


Wilson Bank Holding Co  (OTCPK:WBHC) 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.

Wilson Bank Holding Co's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=550.00/5.23
=105.16

* 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 Wilson Bank Holding Co was 106.59. The lowest was 6.70. And the median was 8.50.


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.


Wilson Bank Holding Co Cyclically Adjusted FCF per Share Related Terms


Wilson Bank Holding Co Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Wilson Bank Holding Co'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.

Wilson Bank Holding Co Cyclically Adjusted FCF per Share Chart

Wilson Bank Holding Co 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 3.68 4.03 4.29 4.61 5.16

Wilson Bank Holding Co 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 4.74 4.85 5.06 5.16 5.23

WBHC vs VLY, PB, CBSH: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Wilson Bank Holding Co'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.


Wilson Bank Holding Co Cyclically Adjusted Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Wilson Bank Holding Co's Cyclically Adjusted Price-to-FCF falls into.


WBHC
67GF Score
Wilson Bank Holding Co WBHC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Wilson Bank Holding Co 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, Wilson Bank Holding Co'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)
=1.982/330.2130*330.2130
=1.982

Current CPI (Mar. 2026) = 330.2130.

Wilson Bank Holding Co Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.457 241.018 -0.626
201609 1.175 241.428 1.607
201612 -0.267 241.432 -0.365
201703 1.733 243.801 2.347
201706 0.333 244.955 0.449
201709 0.364 246.819 0.487
201712 0.456 246.524 0.611
201803 0.992 249.554 1.313
201806 0.834 251.989 1.093
201809 0.534 252.439 0.699
201812 0.750 251.233 0.986
201903 0.917 254.202 1.191
201906 1.070 256.143 1.379
201909 0.905 256.759 1.164
201912 -0.071 256.974 -0.091
202003 0.933 258.115 1.194
202006 0.960 257.797 1.230
202009 0.186 260.280 0.236
202012 2.300 260.474 2.916
202103 0.549 264.877 0.684
202106 2.168 271.696 2.635
202109 1.353 274.310 1.629
202112 0.640 278.802 0.758
202203 1.592 287.504 1.828
202206 1.802 296.311 2.008
202209 2.012 296.808 2.238
202212 0.578 296.797 0.643
202303 1.880 301.836 2.057
202306 1.862 305.109 2.015
202309 1.787 307.789 1.917
202312 1.470 306.746 1.582
202403 1.383 312.332 1.462
202406 1.442 314.175 1.516
202409 1.518 315.301 1.590
202412 0.602 315.605 0.630
202503 1.801 319.799 1.860
202506 1.565 322.561 1.602
202509 2.259 324.800 2.297
202512 1.510 324.054 1.539
202603 1.982 330.213 1.982

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 $5.23 mean?
Wilson Bank Holding Co (WBHC) has a Cyclically Adjusted FCF per Share of $5.23 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 Wilson Bank Holding Co and its competitors.
Is Wilson Bank Holding Co's Cyclically Adjusted FCF per Share too high?
Wilson Bank Holding Co's current Cyclically Adjusted FCF per Share is $5.23. Overall, Wilson Bank Holding Co has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Wilson Bank Holding Co's Cyclically Adjusted FCF per Share compare to VLY and PB?
Wilson Bank Holding Co's Cyclically Adjusted FCF per Share of $5.23 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 Wilson Bank Holding Co and its competitors. Wilson Bank Holding Co's current Cyclically Adjusted FCF per Share is $5.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wilson Bank Holding Co stock overvalued right now?
Wilson Bank Holding Co (WBHC) has a current Cyclically Adjusted FCF per Share of $5.23. The stock's GF Value™ is $194.48, compared to a current price of $550.00 — trading 182.8% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $5.23. Wilson Bank Holding Co's overall GF Score™ is 67/100 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 Wilson Bank Holding Co (WBHC), the current Cyclically Adjusted FCF per Share is $5.23 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 Wilson Bank Holding Co (WBHC) Overvalued in 2026?

Based on GuruFocus' analysis, Wilson Bank Holding Co stock appears to be overvalued. The current stock price of $550.00 is trading 182.8% above its estimated GF Value™ of $194.48.

Key valuation signals for WBHC:

  • Cyclically Adjusted FCF per Share: $5.23
  • GF Value™: $194.48 vs. price of $550.00 (182.8% above fair value)
  • GF Score™: 67/100 with 5 warning signs

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


Wilson Bank Holding Co Business Description

Address 623 West Main Street, Lebanon, TN, USA, 37087
Wilson Bank Holding Co is a Tennessee-based bank holding company. Its banking operations offer a full range of lending products, including commercial, real estate, and consumer loans to individuals, businesses, and professional entities. The company operates in Wilson, DeKalb, Trousdale, Smith, Rutherford, Putnam, Davidson, Williamson, and Sumner counties in Tennessee. It earns its revenue from interest and deposit income. The operations of the company have one operating segment, banking.
67GF Score

Get the complete analysis for WBHC

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

$550.00
Price
$194.48
GF Value