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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 Commercial Bank of Dubai PSC's Intrinsic Value: Projected FCF or its related term are showing as below:
DFM:CBD'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.26 Med: 0.43 Max: 1.34
Current: 0.52
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Commercial Bank of Dubai PSC was 1.34. The lowest was 0.26. And the median was 0.43.
DFM:CBD's Price-to-Projected-FCF is ranked better than 60.49% of 1301
companies
in the Banks industry
Industry Median: 0.6
vs DFM:CBD: 0.52
Commercial Bank of Dubai PSC (DFM:CBD) 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.
Commercial Bank of Dubai PSC's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
9.50
/
18.259025611155
=
0.52
* 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.
Commercial Bank of Dubai PSC Intrinsic Value: Projected FCF Related Terms
Commercial Bank of Dubai PSC 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.
Commercial Bank of Dubai PSC Intrinsic Value: Projected FCF Chart
Commercial Bank of Dubai PSC Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Commercial Bank of Dubai PSC'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.
Commercial Bank of Dubai PSC Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Commercial Bank of Dubai PSC's Price-to-Projected-FCF falls into.
Commercial Bank of Dubai PSC 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 د.إ18.26 mean?
Commercial Bank of Dubai PSC (DFM:CBD) has a Intrinsic Value: Projected FCF of د.إ18.26 as of Sep. 14, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Commercial Bank of Dubai PSC and its competitors. According to the industry distribution chart, Commercial Bank of Dubai PSC ranks #514 out of 1301 companies in the Banks industry, placing it in the top 39.5%.
Is Commercial Bank of Dubai PSC's Intrinsic Value: Projected FCF too high?
Commercial Bank of Dubai PSC's current Intrinsic Value: Projected FCF is د.إ18.26. Based on the distribution chart, Commercial Bank of Dubai PSC ranks #514 out of 1301 companies in the Banks industry, which is above the industry midpoint. Overall, Commercial Bank of Dubai PSC has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial Bank of Dubai PSC's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Commercial Bank of Dubai PSC ranks #514 out of 1301 companies for Intrinsic Value: Projected FCF. This puts Commercial Bank of Dubai PSC in the upper 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 1,301 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 Commercial Bank of Dubai PSC 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. Commercial Bank of Dubai PSC's current Intrinsic Value: Projected FCF is د.إ18.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Bank of Dubai PSC stock overvalued right now?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC (DFM:CBD) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ8.36, compared to a current price of د.إ9.50 — trading 13.6% above its estimated fair value. The current Intrinsic Value: Projected FCF is د.إ18.26. Commercial Bank of Dubai PSC's overall GF Score™ is 72/100 with 4 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 Commercial Bank of Dubai PSC (DFM:CBD), the current Intrinsic Value: Projected FCF is د.إ18.26 as of Sep. 14, 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 Commercial Bank of Dubai PSC (DFM:CBD) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC stock appears to be overvalued.
The current stock price of د.إ9.50 is trading 13.6% above its estimated GF Value™ of د.إ8.36.
GuruFocus considers Commercial Bank of Dubai PSC to be Modestly Overvalued.
Key valuation signals for DFM:CBD:
Intrinsic Value: Projected FCF: د.إ18.26
GF Value™: د.إ8.36 vs. price of د.إ9.50 (13.6% above fair value)
No single metric tells the full story. See the DFM:CBD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial Bank of Dubai PSC is a banking firm operating in the United Arab Emirates with four segments: Institutional Banking, Corporate Banking, Personal Banking, and Trading and Other. Institutional Banking provides loans, deposits, trade finance, and e-commerce solutions to institutional clients, including government entities. Corporate Banking serves mid-sized and emerging corporates with loans, working capital, trade finance, and deposits. Personal Banking, which generates maximum revenue, offers accounts, loans, mortgages, and other credit facilities to small businesses and retail clients. Trading and Other manages the Group's balance sheet, investment portfolio, and derivatives for trading and risk management purposes. The Group operates exclusively in the United Arab Emirates.
72GF Score
Get the complete analysis for DFM:CBD
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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