CDAB (Coeur D'Alene Bancorp) Intrinsic Value: Projected FCF: $0.00 (As of Sep. 21, 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
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.

CDAB Coeur D'Alene Bancorp CDAB
62 GF Score
Price $16.00
GF Value $17.12
Valuation Fairly Valued
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What is Coeur D'Alene Bancorp Intrinsic Value: Projected FCF?

Coeur D'Alene Bancorp CDAB 62 Intrinsic Value: Projected FCF is $0.00 as of Sep. 21, 2026. GuruFocus rates CDAB with a GF Score™ of 62/100 and a GF Value™ of $17.12 (Fairly Valued). Among 1,300 Banks companies, Coeur D'Alene Bancorp ranks worse than 76923% on this metric.

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.

As of today (2026-09-21), Coeur D'Alene Bancorp's Intrinsic Value: Projected FCF is $0.00. The stock price of Coeur D'Alene Bancorp is $16.00. Therefore, Coeur D'Alene Bancorp's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.

The historical rank and industry rank for Coeur D'Alene Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:

CDAB's Price-to-Projected-FCF is not ranked *
in the Banks industry.
Industry Median: 0.6
* Ranked among companies with meaningful Price-to-Projected-FCF only.

Coeur D'Alene Bancorp  (OTCPK:CDAB) 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.

Coeur D'Alene Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=16.00/22.470607160515
=0.71

* 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.


Coeur D'Alene Bancorp Intrinsic Value: Projected FCF Related Terms


Coeur D'Alene Bancorp Intrinsic Value: Projected FCF Historical Data

* Premium members only.

The historical data trend for Coeur D'Alene Bancorp's Intrinsic Value: Projected 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.

Coeur D'Alene Bancorp Intrinsic Value: Projected FCF Chart

Coeur D'Alene Bancorp Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial - - - 18.81 22.93

Coeur D'Alene Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Intrinsic Value: Projected 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 10.09 10.33 10.80 11.08 10.97

CDAB vs HRBK, PFBN, ELMA: Intrinsic Value: Projected FCF Comparison

For the Banks - Regional subindustry, Coeur D'Alene Bancorp'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.


Coeur D'Alene Bancorp Price-to-Projected-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Coeur D'Alene Bancorp's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Coeur D'Alene Bancorp's Price-to-Projected-FCF falls into.


CDAB
62GF Score
Coeur D'Alene Bancorp CDAB
Intrinsic Value: Projected FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Coeur D'Alene Bancorp 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.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get Coeur D'Alene Bancorp's Free Cash Flow(6 year avg) = $2.05.

Coeur D'Alene Bancorp's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Dec25)*0.8)/Shares Outstanding (Diluted Average)
=(10.993856731996*2.0483014285714+26.298315*0.8)/1.938416
=22.47

* 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 $0.00 mean?
Coeur D'Alene Bancorp (CDAB) has a Intrinsic Value: Projected FCF of $0.00 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 Coeur D'Alene Bancorp and its competitors. According to the industry distribution chart, Coeur D'Alene Bancorp ranks #999999 out of 1300 companies in the Banks industry.
Is Coeur D'Alene Bancorp's Intrinsic Value: Projected FCF too high?
Coeur D'Alene Bancorp's current Intrinsic Value: Projected FCF is $0.00. Based on the distribution chart, Coeur D'Alene Bancorp ranks #999999 out of 1300 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Coeur D'Alene Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Coeur D'Alene Bancorp's Intrinsic Value: Projected FCF compare to HRBK and PFBN?
According to the Banks industry distribution chart, Coeur D'Alene Bancorp ranks #999999 out of 1300 companies for Intrinsic Value: Projected FCF. This places Coeur D'Alene Bancorp 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 Coeur D'Alene Bancorp 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. Coeur D'Alene Bancorp's current Intrinsic Value: Projected FCF is $0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Coeur D'Alene Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Coeur D'Alene Bancorp (CDAB) is currently considered Fairly Valued. The stock's GF Value™ is $17.12, compared to a current price of $16.00 — trading 6.5% below its estimated fair value. The current Intrinsic Value: Projected FCF is $0.00. Coeur D'Alene Bancorp's overall GF Score™ is 62/100. 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 Coeur D'Alene Bancorp (CDAB), the current Intrinsic Value: Projected FCF is $0.00 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 Coeur D'Alene Bancorp (CDAB) Overvalued in 2026?

Based on GuruFocus' analysis, Coeur D'Alene Bancorp stock appears to be undervalued. The current stock price of $16.00 is trading 6.5% below its estimated GF Value™ of $17.12. GuruFocus considers Coeur D'Alene Bancorp to be Fairly Valued.

Key valuation signals for CDAB:

  • Intrinsic Value: Projected FCF: $0.00
  • GF Value™: $17.12 vs. price of $16.00 (6.5% below fair value)
  • GF Score™: 62/100

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


Coeur D'Alene Bancorp Business Description

Address 912 Northwest Boulevard, Coeur d’Alene, ID, USA, 83814
Coeur D'Alene Bancorp is a holding company for banks. It provides a full range of banking services to its commercial and consumer customers through its four branches serving Coeur d'Alene, Post Falls, Hayden, Kellogg, Idaho, and contiguous areas. It offers Business loans and Personal loans, home loans including consumer loans and construction loans, and also offers e-banking services including online banking, bill pay, mobile banking, and online education.
62GF Score

Get the complete analysis for CDAB

Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.00
Price
$17.12
GF Value