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BankFinancial (BankFinancial) Cyclically Adjusted Price-to-FCF : 9.48 (As of Apr. 30, 2024)


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What is BankFinancial Cyclically Adjusted Price-to-FCF?

As of today (2024-04-30), BankFinancial's current share price is $9.67. BankFinancial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $1.02. BankFinancial's Cyclically Adjusted Price-to-FCF for today is 9.48.

The historical rank and industry rank for BankFinancial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

BFIN' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.96   Med: 13.21   Max: 20.86
Current: 9.71

During the past years, BankFinancial's highest Cyclically Adjusted Price-to-FCF was 20.86. The lowest was 6.96. And the median was 13.21.

BFIN's Cyclically Adjusted Price-to-FCF is ranked worse than
65.91% of 839 companies
in the Banks industry
Industry Median: 7.42 vs BFIN: 9.71

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.

BankFinancial's adjusted free cash flow per share data for the three months ended in Dec. 2023 was $0.275. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $1.02 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


BankFinancial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for BankFinancial's Cyclically Adjusted Price-to-FCF 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.

BankFinancial Cyclically Adjusted Price-to-FCF Chart

BankFinancial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.83 9.08 11.06 10.66 10.11

BankFinancial Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Cyclically Adjusted Price-to-FCF 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 10.66 9.02 8.43 8.69 10.11

Competitive Comparison of BankFinancial's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, BankFinancial'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.


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

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

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



BankFinancial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

BankFinancial's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=9.67/1.02
=9.48

* 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.

BankFinancial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 is calculated as:

For example, BankFinancial's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.275/129.4194*129.4194
=0.275

Current CPI (Dec. 2023) = 129.4194.

BankFinancial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.066 99.695 0.086
201406 0.355 100.560 0.457
201409 0.250 100.428 0.322
201412 0.155 99.070 0.202
201503 0.160 99.621 0.208
201506 0.281 100.684 0.361
201509 0.153 100.392 0.197
201512 0.125 99.792 0.162
201603 0.254 100.470 0.327
201606 0.169 101.688 0.215
201609 0.214 101.861 0.272
201612 0.321 101.863 0.408
201703 0.170 102.862 0.214
201706 0.258 103.349 0.323
201709 0.329 104.136 0.409
201712 0.429 104.011 0.534
201803 0.199 105.290 0.245
201806 0.356 106.317 0.433
201809 0.237 106.507 0.288
201812 0.305 105.998 0.372
201903 0.009 107.251 0.011
201906 0.408 108.070 0.489
201909 0.451 108.329 0.539
201912 0.468 108.420 0.559
202003 0.020 108.902 0.024
202006 0.357 108.767 0.425
202009 0.122 109.815 0.144
202012 0.274 109.897 0.323
202103 -0.045 111.754 -0.052
202106 0.149 114.631 0.168
202109 -0.081 115.734 -0.091
202112 0.382 117.630 0.420
202203 -0.636 121.301 -0.679
202206 0.240 125.017 0.248
202209 0.330 125.227 0.341
202212 0.644 125.222 0.666
202303 -0.204 127.348 -0.207
202306 0.165 128.729 0.166
202309 0.351 129.860 0.350
202312 0.275 129.419 0.275

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


BankFinancial  (NAS:BFIN) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


BankFinancial Cyclically Adjusted Price-to-FCF Related Terms

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


BankFinancial (BankFinancial) Business Description

Industry
Traded in Other Exchanges
N/A
Address
60 North Frontage Road, Burr Ridge, IL, USA, 60527
BankFinancial Corp is the bank holding company of BankFinancial, F.S.B. The company is a full-service, national bank principally engaged in the business of commercial, family and personal banking. It offers customers a broad range of loan, deposit, trust and other financial products and services. The Bank offers customers a broad range of loan, deposit, trust and other financial products and services through all full-service banking offices located in Cook, DuPage, Lake and Will Counties, Illinois and through Internet Branch.
Executives
Aaron J O'connor other: Director - Affiliate 60 N FRONTAGE RD, STE 130, BURR RIDGE IL 60527
Debra Zukonik director 60 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Glen Wherfel other: Director of Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
John G Manos officer: Regional President - Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Thomas F Oneill director C/O HARMON & CRAVEN LLP, 488 MADISON AVE, NEW YORK NY 10022
John M Hausmann director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
James J Brennan officer: EVP and Corporate Secretary 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Deutsch William J. Jr. officer: Leasing President - Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
F Morgan Gasior director, officer: Chairman, CEO & President 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Terry R Wells director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Paul A Cloutier officer: EVP & Chief Financial Officer 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Patricia Smith officer: EVP 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Gregg T Adams officer: EVP of Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Joseph A Schudt director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
John W Palmer director C/O SECURITY FINANCIAL BANCORP INC, 9321 WICKER AVE, ST JOHN IN 46373