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HFB FinancialHFBA 54 EV-to-OCF is 4.33 as of Sep. 20, 2026, which is 50% below its 10-year median of 8.74. GuruFocus rates HFBA with a GF Score™ of 54/100 and a GF Value™ of $36.69 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,490 Banks companies, HFB Financial ranks worse than 96.44% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, HFB Financial's Enterprise Value is $27.83 Mil.
HFB Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $6.43 Mil. Therefore, HFB Financial's EV-to-OCF for today is 4.33.
The historical rank and industry rank for HFB Financial's EV-to-OCF or its related term are showing as below:
HFBA'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.34 Med: 8.74 Max: 54.63
Current: 54.57
During the past 13 years, the highest EV-to-OCF of HFB Financial was 54.63. The lowest was 3.34. And the median was 8.74.
HFBA's EV-to-OCF is ranked worse than 96.44% of 1490
companies
in the Banks industry
Industry Median: 4.165
vs HFBA: 54.57
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.
HFB Financial's PE Ratio (TTM) for today is calculated as:
HFB Financial's share price for today is $37.86715.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. HFB Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $4.072.
* 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.
HFB Financial EV-to-OCF Related Terms
HFB Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for HFB 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, HFB 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.
HFB Financial EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, HFB Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where HFB Financial's EV-to-OCF falls into.
HFB Financial's current Enterprise Value is $27.83 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. HFB Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $6.43 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.
HFB Financial (HFBA) has a EV-to-OCF of 4.33 as of Sep. 20, 2026. This is 50% below median its historical median of 8.74. Over the past decade, HFB Financial's EV-to-OCF has ranged from 3.34 to 54.63. According to the industry distribution chart, HFB Financial ranks #1437 out of 1490 companies in the Banks industry, placing it in the top 96.4%.
Is HFB Financial's EV-to-OCF too high?
HFB Financial's current EV-to-OCF of 4.33 is 50% below median its 10-year median of 8.74. Over the past 10 years, this metric has ranged from a low of 3.34 to a high of 54.63. The Banks industry median EV-to-OCF is 4.17. HFB Financial's value of 4.33 is 4% above this industry median. Based on the distribution chart, HFB Financial ranks #1437 out of 1490 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, HFB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HFB Financial's EV-to-OCF compare to OTTW and CYSM?
According to the Banks industry distribution chart, HFB Financial ranks #1437 out of 1490 companies for EV-to-OCF. This places HFB Financial in the lower half of its industry. The industry median EV-to-OCF is 4.17. HFB Financial's value of 4.33 is 4% above this benchmark. Historically, HFB Financial's own EV-to-OCF has ranged from 3.34 to 54.63 over the past decade. While the company's 10-year median is 8.74 vs. the industry median of 4.17, HFB 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 4.17, 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. HFB Financial's current EV-to-OCF of 4.33 is 4% 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 4.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HFB Financial's current EV-to-OCF is 4.33, which is 50% below median its own 10-year median of 8.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFB Financial stock overvalued right now?
Based on GuruFocus' analysis, HFB Financial (HFBA) is currently considered Fairly Valued. The stock's GF Value™ is $36.69, compared to a current price of $37.87 — trading 3.2% above its estimated fair value. The current EV-to-OCF is 4.33, which is 50% below median its 10-year median of 8.74 and 4% above the Banks industry median of 4.17. HFB Financial's overall GF Score™ is 54/100 with 5 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 HFB Financial (HFBA), the current EV-to-OCF is 4.33 as of Sep. 20, 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 HFB Financial (HFBA) Overvalued in 2026?
Based on GuruFocus' analysis, HFB Financial stock appears to be overvalued.
The current stock price of $37.87 is trading 3.2% above its estimated GF Value™ of $36.69.
GuruFocus considers HFB Financial to be Fairly Valued.
Key valuation signals for HFBA:
EV-to-OCF: 4.33 (50% below median its 10-year median of 8.74)
GF Value™: $36.69 vs. price of $37.87 (3.2% above fair value)
Industry Position: 4% above the Banks median (#1437 of 1490)
No single metric tells the full story. See the HFBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFB Financial Corp is a United States-based company providing a full range of banking and financial services to individuals and corporate customers, mainly in Bell County, Kentucky, and surrounding areas in Tennessee and Virginia. It offers checking, savings, money market, certificates of deposit, health savings, and individual retirement accounts, along with overdraft and card services. The Company also provides loans, online banking, investment, and insurance-related services.
54GF 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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