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Empire BancsharesEBSH 52 EV-to-OCF is 8.63 as of Sep. 17, 2026, which is 16% above its 10-year median of 7.41. GuruFocus rates EBSH with a GF Score™ of 52/100 and a GF Value™ of $23.72 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,489 Banks companies, Empire Bancshares ranks worse than 64.94% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Empire Bancshares's Enterprise Value is $12.35 Mil.
Empire Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $1.43 Mil. Therefore, Empire Bancshares's EV-to-OCF for today is 8.63.
The historical rank and industry rank for Empire Bancshares's EV-to-OCF or its related term are showing as below:
EBSH'
s EV-to-OCF Range Over the Past 10 Years
Min: -2.46 Med: 7.41 Max: 27.54
Current: 8.48
During the past 7 years, the highest EV-to-OCF of Empire Bancshares was 27.54. The lowest was -2.46. And the median was 7.41.
EBSH's EV-to-OCF is ranked worse than 64.94% of 1489
companies
in the Banks industry
Industry Median: 4.19
vs EBSH: 8.48
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Empire Bancshares's PE Ratio (TTM) for today is calculated as:
Empire Bancshares's share price for today is $43.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Empire Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.187.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Empire Bancshares EV-to-OCF Related Terms
Empire Bancshares EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Empire Bancshares's EV-to-OCF 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.
For the Banks - Regional subindustry, Empire Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.
Empire Bancshares EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Empire Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Empire Bancshares's EV-to-OCF falls into.
Empire Bancshares's current Enterprise Value is $12.35 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Empire Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $1.43 Mil.
* 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.
Empire Bancshares (EBSH) has a EV-to-OCF of 8.63 as of Sep. 17, 2026. This is 16% above median its historical median of 7.41. According to the industry distribution chart, Empire Bancshares ranks #967 out of 1489 companies in the Banks industry, placing it in the top 64.9%.
Is Empire Bancshares' EV-to-OCF too high?
Empire Bancshares' current EV-to-OCF of 8.63 is 16% above median its 10-year median of 7.41. The Banks industry median EV-to-OCF is 4.19. Empire Bancshares' value of 8.63 is 106% above this industry median. Based on the distribution chart, Empire Bancshares ranks #967 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' EV-to-OCF compare to GWBK and MCHT?
According to the Banks industry distribution chart, Empire Bancshares ranks #967 out of 1489 companies for EV-to-OCF. This places Empire Bancshares in the lower half of its industry. The industry median EV-to-OCF is 4.19. Empire Bancshares' value of 8.63 is 106% above this benchmark. While the company's 10-year median is 7.41 vs. the industry median of 4.19, Empire Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.19, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Empire Bancshares's current EV-to-OCF of 8.63 is 106% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Empire Bancshares's current EV-to-OCF is 8.63, which is 16% above median its own 10-year median of 7.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.72, compared to a current price of $43.00 — trading 81.3% above its estimated fair value. The current EV-to-OCF is 8.63, which is 16% above median its 10-year median of 7.41 and 106% above the Banks industry median of 4.19. Empire Bancshares' overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Empire Bancshares (EBSH), the current EV-to-OCF is 8.63 as of Sep. 17, 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 Empire Bancshares (EBSH) Overvalued in 2026?
Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued.
The current stock price of $43.00 is trading 81.3% above its estimated GF Value™ of $23.72.
GuruFocus considers Empire Bancshares to be Significantly Overvalued.
Key valuation signals for EBSH:
EV-to-OCF: 8.63 (16% above median its 10-year median of 7.41)
GF Value™: $23.72 vs. price of $43.00 (81.3% above fair value)
Industry Position: 106% above the Banks median (#967 of 1489)
No single metric tells the full story. See the EBSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF Score
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