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MNBO (MNB Holdings) Cyclically Adjusted Price-to-FCF : 11.04 (As of Jun. 28, 2025)


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What is MNB Holdings Cyclically Adjusted Price-to-FCF?

As of today (2025-06-28), MNB Holdings's current share price is $31.35. MNB Holdings's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec23 was $2.84. MNB Holdings's Cyclically Adjusted Price-to-FCF for today is 11.04.

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

MNBO' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.65   Med: 10.26   Max: 14.78
Current: 11.03

During the past 13 years, MNB Holdings's highest Cyclically Adjusted Price-to-FCF was 14.78. The lowest was 6.65. And the median was 10.26.

MNBO's Cyclically Adjusted Price-to-FCF is ranked worse than
67.56% of 891 companies
in the Banks industry
Industry Median: 8.74 vs MNBO: 11.03

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.

MNB Holdings's adjusted free cash flow per share data of for the fiscal year that ended in Dec23 was $4.387. 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 $2.84 for the trailing ten years ended in Dec23.

Shiller PE for Stocks: The True Measure of Stock Valuation


MNB Holdings Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for MNB Holdings'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.

MNB Holdings Cyclically Adjusted Price-to-FCF Chart

MNB Holdings 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 14.01 12.30 10.25 10.25 9.17

MNB Holdings Semi-Annual Data
Dec04 Dec05 Dec06 Dec07 Dec13 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.01 12.30 10.25 10.25 9.17

Competitive Comparison of MNB Holdings's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, MNB Holdings'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.


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

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

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


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MNB Holdings 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=31.35/2.84
=11.04

* 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.

MNB Holdings's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec23 is calculated as:

For example, MNB Holdings's adjusted Free Cash Flow per Share data for the fiscal year that ended in Dec23 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec23 (Change)*Current CPI (Dec23)
=4.387/129.4194*129.4194
=4.387

Current CPI (Dec23) = 129.4194.

MNB Holdings Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201412 0.751 99.070 0.981
201512 0.934 99.792 1.211
201612 4.915 101.863 6.245
201712 5.926 104.011 7.374
201812 7.313 105.998 8.929
201912 3.433 108.420 4.098
202012 -3.313 109.897 -3.902
202112 0.155 117.630 0.171
202212 -1.042 125.222 -1.077
202312 4.387 129.419 4.387

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.


MNB Holdings  (OTCPK:MNBO) 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.


MNB Holdings Cyclically Adjusted Price-to-FCF Related Terms

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


MNB Holdings Business Description

Industry
Traded in Other Exchanges
N/A
Address
3060 16th Street, San Francisco, CA, USA, 94103
MNB Holdings Corp is a bank holding company. It is engaged in the general commercial banking business in the city and county of San Francisco and all other nine San Francisco Bay Area counties. The company provides traditional commercial and retail banking services, which include accepting demand, savings, and time deposits and making commercial, and real estate loans. It also offers other installment and term loans.
Executives
Maritza Aberouette director 3060 16TH STREET, C/O MNB HOLDINGS CORP, SAN FRANCISCO CA 94103

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