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CNBP (Cornerstone Bancorp) Cyclically Adjusted Price-to-FCF : 16.00 (As of Jul. 16, 2025)


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What is Cornerstone Bancorp Cyclically Adjusted Price-to-FCF?

As of today (2025-07-16), Cornerstone Bancorp's current share price is $88.00. Cornerstone Bancorp's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec24 was $5.50. Cornerstone Bancorp's Cyclically Adjusted Price-to-FCF for today is 16.00.

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

CNBP' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 13.35   Med: 20.51   Max: 78.05
Current: 16

During the past 13 years, Cornerstone Bancorp's highest Cyclically Adjusted Price-to-FCF was 78.05. The lowest was 13.35. And the median was 20.51.

CNBP's Cyclically Adjusted Price-to-FCF is ranked worse than
81.61% of 897 companies
in the Banks industry
Industry Median: 9.22 vs CNBP: 16.00

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.

Cornerstone Bancorp's adjusted free cash flow per share data of for the fiscal year that ended in Dec24 was $5.969. 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 $5.50 for the trailing ten years ended in Dec24.

Shiller PE for Stocks: The True Measure of Stock Valuation


Cornerstone Bancorp Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Cornerstone Bancorp'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.

Cornerstone Bancorp Cyclically Adjusted Price-to-FCF Chart

Cornerstone Bancorp Annual Data
Trend Dec01 Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 73.11 20.58 15.64 13.45 15.02

Cornerstone Bancorp Semi-Annual Data
Dec94 Dec95 Dec96 Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
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 73.11 20.58 15.64 13.45 15.02

Competitive Comparison of Cornerstone Bancorp's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Cornerstone 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.


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

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

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


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Cornerstone Bancorp 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=88.00/5.50
=16.00

* 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.

Cornerstone Bancorp's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec24 is calculated as:

For example, Cornerstone Bancorp's adjusted Free Cash Flow per Share data for the fiscal year that ended in Dec24 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec24 (Change)*Current CPI (Dec24)
=5.969/133.1571*133.1571
=5.969

Current CPI (Dec24) = 133.1571.

Cornerstone Bancorp Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
200112 0.440 74.552 0.786
200212 -2.675 76.324 -4.667
200312 6.919 77.758 11.848
200412 1.064 80.290 1.765
201912 3.862 108.420 4.743
202012 -12.798 109.897 -15.507
202112 23.594 117.630 26.709
202212 11.371 125.222 12.092
202312 10.938 129.419 11.254
202412 5.969 133.157 5.969

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.


Cornerstone Bancorp  (OTCPK:CNBP) 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.


Cornerstone Bancorp Cyclically Adjusted Price-to-FCF Related Terms

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


Cornerstone Bancorp Business Description

Traded in Other Exchanges
N/A
Address
One West Northwest Highway, Palatine, IL, USA, 60067
Cornerstone Bancorp Inc provides financial services to individuals and businesses. The company's primary deposit products are demand deposits, savings, money market, and term certificate accounts, and its primary lending products are commercial and commercial mortgage loans. The company has a mortgage banking operation in which residential mortgage loans are originated and sold to the secondary market.