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.
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.
FB FinancialFRA:2J2 +0.83%73 EV-to-OCF is 11.04 as of Sep. 09, 2026, which is 85% above its 10-year median of 5.97. GuruFocus rates FRA:2J2 with a GF Score™ of 73/100 and a GF Value™ of €52.08. The stock has 3 warning signs investors should review. Among 1,490 Banks companies, FB Financial ranks worse than 74.09% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, FB Financial's Enterprise Value is €1,967.1 Mil.
FB Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €178.1 Mil. Therefore, FB Financial's EV-to-OCF for today is 11.04.
The historical rank and industry rank for FB Financial's EV-to-OCF or its related term are showing as below:
FRA:2J2'
s EV-to-OCF Range Over the Past 10 Years
Min: -25.01 Med: 5.97 Max: 57.89
Current: 11.29
During the past 13 years, the highest EV-to-OCF of FB Financial was 57.89. The lowest was -25.01. And the median was 5.97.
FRA:2J2's EV-to-OCF is ranked worse than 74.09% of 1490
companies
in the Banks industry
Industry Median: 4.055
vs FRA:2J2: 11.29
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.
FB Financial's PE Ratio (TTM) for today is calculated as:
FB Financial's share price for today is €48.40.
FB Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.212.
* 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.
FB Financial EV-to-OCF Related Terms
FB Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for FB Financial'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, FB Financial'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.
FB Financial EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, FB Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where FB Financial's EV-to-OCF falls into.
FB Financial's current Enterprise Value is €1,967.1 Mil.
FB Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €178.1 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.
FB Financial (FRA:2J2) has a EV-to-OCF of 11.04 as of Sep. 09, 2026. This is 85% above median its historical median of 5.97. According to the industry distribution chart, FB Financial ranks #1104 out of 1490 companies in the Banks industry, placing it in the top 74.1%.
Is FB Financial's EV-to-OCF too high?
FB Financial's current EV-to-OCF of 11.04 is 85% above median its 10-year median of 5.97. The Banks industry median EV-to-OCF is 4.06. FB Financial's value of 11.04 is 172.3% above this industry median. Based on the distribution chart, FB Financial ranks #1104 out of 1490 companies in the Banks industry, which is below the industry midpoint. Overall, FB Financial has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does FB Financial's EV-to-OCF compare to BANC and BOH?
According to the Banks industry distribution chart, FB Financial ranks #1104 out of 1490 companies for EV-to-OCF. This places FB Financial in the lower half of its industry. The industry median EV-to-OCF is 4.06. FB Financial's value of 11.04 is 172.3% above this benchmark. While the company's 10-year median is 5.97 vs. the industry median of 4.06, FB Financial 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 4.06, based on 1,490 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. FB Financial's current EV-to-OCF of 11.04 is 172.3% 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 4.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FB Financial's current EV-to-OCF is 11.04, which is 85% above median its own 10-year median of 5.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FB Financial stock overvalued right now?
FB Financial (FRA:2J2) has a current EV-to-OCF of 11.04. The stock's GF Value™ is €52.08, compared to a current price of €48.40 — trading 7.1% below its estimated fair value. The current EV-to-OCF is 11.04, which is 85% above median its 10-year median of 5.97 and 172.3% above the Banks industry median of 4.06. FB Financial's overall GF Score™ is 73/100 with 3 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 FB Financial (FRA:2J2), the current EV-to-OCF is 11.04 as of Sep. 09, 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 FB Financial (FRA:2J2) Overvalued in 2026?
Based on GuruFocus' analysis, FB Financial stock appears to be undervalued.
The current stock price of €48.40 is trading 7.1% below its estimated GF Value™ of €52.08.
Key valuation signals for FRA:2J2:
EV-to-OCF: 11.04 (85% above median its 10-year median of 5.97)
GF Value™: €52.08 vs. price of €48.40 (7.1% below fair value)
Industry Position: 172.3% above the Banks median (#1104 of 1490)
No single metric tells the full story. See the FRA:2J2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FB Financial Corp is a bank holding company. The company through its wholly-owned bank subsidiary provides commercial and consumer banking services to clients in select markets in Tennessee, North Alabama, and North Georgia. The company segment includes Banking and Mortgage. It generates majority of revenue from the Banking segment which provides a full range of deposit and lending products and services to corporate, commercial, and consumer customers. The Mortgage segment includes the servicing of residential mortgage loans and the packaging and securitization of loans to governmental agencies.
73GF Score
Get the complete analysis for FRA:2J2
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:2J2 has been successfully added to your 
