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FFWFFWC 52 EV-to-OCF is 9.40 as of Aug. 11, 2026, which is 107% above its 10-year median of 4.55. GuruFocus rates FFWC with a GF Score™ of 52/100 and a GF Value™ of $47.28 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,499 Banks companies, FFW ranks worse than 68.05% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, FFW's Enterprise Value is $58.46 Mil.
FFW's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2025 was $6.22 Mil. Therefore, FFW's EV-to-OCF for today is 9.40.
The historical rank and industry rank for FFW's EV-to-OCF or its related term are showing as below:
FFWC'
s EV-to-OCF Range Over the Past 10 Years
Min: -5.63 Med: 4.55 Max: 9.61
Current: 9.4
During the past 13 years, the highest EV-to-OCF of FFW was 9.61. The lowest was -5.63. And the median was 4.55.
FFWC's EV-to-OCF is ranked worse than 68.05% of 1499
companies
in the Banks industry
Industry Median: 4
vs FFWC: 9.40
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.
As of today (2026-08-11), FFW's stock price is $54.73.
FFW's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.010. Therefore, FFW's PE Ratio (TTM) for today is 10.92.
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.
FFW's share price for today is $54.73.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FFW's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.010.
* 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.
FFW EV-to-OCF Related Terms
FFW EV-to-OCF Historical Data
* Premium members only.
The historical data trend for FFW'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, FFW'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.
FFW EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, FFW's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where FFW's EV-to-OCF falls into.
FFW's current Enterprise Value is $58.46 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FFW's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2025 was $6.22 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.
FFW (FFWC) has a EV-to-OCF of 9.40 as of Aug. 11, 2026. This is 107% above median its historical median of 4.55. According to the industry distribution chart, FFW ranks #1020 out of 1499 companies in the Banks industry, placing it in the top 68%.
Is FFW's EV-to-OCF too high?
FFW's current EV-to-OCF of 9.40 is 107% above median its 10-year median of 4.55. The Banks industry median EV-to-OCF is 4.00. FFW's value of 9.40 is 135% above this industry median. Based on the distribution chart, FFW ranks #1020 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, FFW has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FFW's EV-to-OCF compare to OSBK and BKFL?
According to the Banks industry distribution chart, FFW ranks #1020 out of 1499 companies for EV-to-OCF. This places FFW in the lower half of its industry. The industry median EV-to-OCF is 4.00. FFW's value of 9.40 is 135% above this benchmark. While the company's 10-year median is 4.55 vs. the industry median of 4.00, FFW 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 4.00, based on 1,499 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. FFW's current EV-to-OCF of 9.40 is 135% 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 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFW's current EV-to-OCF is 9.40, which is 107% above median its own 10-year median of 4.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFW stock overvalued right now?
Based on GuruFocus' analysis, FFW (FFWC) is currently considered Modestly Overvalued. The stock's GF Value™ is $47.28, compared to a current price of $54.73 — trading 15.8% above its estimated fair value. The current EV-to-OCF is 9.40, which is 107% above median its 10-year median of 4.55 and 135% above the Banks industry median of 4.00. FFW's 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 FFW (FFWC), the current EV-to-OCF is 9.40 as of Aug. 11, 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 FFW (FFWC) Overvalued in 2026?
Based on GuruFocus' analysis, FFW stock appears to be overvalued.
The current stock price of $54.73 is trading 15.8% above its estimated GF Value™ of $47.28.
GuruFocus considers FFW to be Modestly Overvalued.
Key valuation signals for FFWC:
EV-to-OCF: 9.40 (107% above median its 10-year median of 4.55)
GF Value™: $47.28 vs. price of $54.73 (15.8% above fair value)
Industry Position: 135% above the Banks median (#1020 of 1499)
No single metric tells the full story. See the FFWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FFW Corp operates in the United States provides various financial products and services. The company offers various deposit services, digital banking, savings loans, mortgage loans, business loans, and insurance services. It earns its revenue from interest and dividends earned on loans, investment securities, and other financial securities. Its main office in Wabash and six Indiana banking centers located in Columbia City, North Manchester, Peru, South Whitley, Syracuse and Warsaw.
52GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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