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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for The Housing Bank for Trade & Finance's Intrinsic Value: Projected FCF or its related term are showing as below:
AMM:THBK'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.54 Med: 1.58 Max: 71.8
Current: 0.76
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of The Housing Bank for Trade & Finance was 71.80. The lowest was 0.54. And the median was 1.58.
AMM:THBK's Price-to-Projected-FCF is ranked worse than 68% of 1300
companies
in the Banks industry
Industry Median: 0.6
vs AMM:THBK: 0.76
The Housing Bank for Trade & Finance (AMM:THBK) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
The Housing Bank for Trade & Finance's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
4.99
/
9.716225235706
=
0.51
* 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.
The Housing Bank for Trade & Finance Intrinsic Value: Projected FCF Related Terms
The Housing Bank for Trade & Finance Intrinsic Value: Projected FCF Historical Data
* 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.
The Housing Bank for Trade & Finance Intrinsic Value: Projected FCF Chart
The Housing Bank for Trade & Finance Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, The Housing Bank for Trade & Finance's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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.
The Housing Bank for Trade & Finance Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, The Housing Bank for Trade & Finance's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where The Housing Bank for Trade & Finance's Price-to-Projected-FCF falls into.
The Housing Bank for Trade & Finance Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of JOD6.59 mean?
The Housing Bank for Trade & Finance (AMM:THBK) has a Intrinsic Value: Projected FCF of JOD6.59 as of Sep. 21, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on The Housing Bank for Trade & Finance and its competitors. According to the industry distribution chart, The Housing Bank for Trade & Finance ranks #884 out of 1300 companies in the Banks industry, placing it in the top 68%.
Is The Housing Bank for Trade & Finance's Intrinsic Value: Projected FCF too high?
The Housing Bank for Trade & Finance's current Intrinsic Value: Projected FCF is JOD6.59. Based on the distribution chart, The Housing Bank for Trade & Finance ranks #884 out of 1300 companies in the Banks industry, which is below the industry midpoint. Overall, The Housing Bank for Trade & Finance has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Housing Bank for Trade & Finance's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, The Housing Bank for Trade & Finance ranks #884 out of 1300 companies for Intrinsic Value: Projected FCF. This places The Housing Bank for Trade & Finance in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on The Housing Bank for Trade & Finance and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Housing Bank for Trade & Finance's current Intrinsic Value: Projected FCF is JOD6.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Housing Bank for Trade & Finance stock overvalued right now?
Based on GuruFocus' analysis, The Housing Bank for Trade & Finance (AMM:THBK) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD3.93, compared to a current price of JOD4.99 — trading 27% above its estimated fair value. The current Intrinsic Value: Projected FCF is JOD6.59. The Housing Bank for Trade & Finance's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For The Housing Bank for Trade & Finance (AMM:THBK), the current Intrinsic Value: Projected FCF is JOD6.59 as of Sep. 21, 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 The Housing Bank for Trade & Finance (AMM:THBK) Overvalued in 2026?
Based on GuruFocus' analysis, The Housing Bank for Trade & Finance stock appears to be overvalued.
The current stock price of JOD4.99 is trading 27% above its estimated GF Value™ of JOD3.93.
GuruFocus considers The Housing Bank for Trade & Finance to be Modestly Overvalued.
Key valuation signals for AMM:THBK:
Intrinsic Value: Projected FCF: JOD6.59
GF Value™: JOD3.93 vs. price of JOD4.99 (27% above fair value)
No single metric tells the full story. See the AMM:THBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Housing Bank for Trade & Finance is a commercial banking setup based in Jordan. Its operating segments include Retail Banking, Corporate, Corporate Finance, Treasury, and Others. The Retail Banking segment, which generates maximum revenue, includes accepting deposits from individual customers and small businesses and granting loans, credit cards, and other services. Its Corporate segment includes following up on deposits, credit facilities, and other banking services for institutional and corporate clients; the Corporate Finance segment relates to arranging structured finance and providing services relating to privatizations, IPOs, mergers, and acquisitions; and the Treasury segment provides trading and treasury services and management of the bank's funds in money and capital markets.
74GF Score
Get the complete analysis for AMM:THBK
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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