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NMB FinlNMBF 64 EV-to-OCF is 4.67 as of Aug. 29, 2026. GuruFocus rates NMBF with a GF Score™ of 64/100 and a GF Value™ of $14.71 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,493 Banks companies, NMB Finl ranks worse than 52.78% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, NMB Finl's Enterprise Value is $44.11 Mil.
NMB Finl's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $9.45 Mil. Therefore, NMB Finl's EV-to-OCF for today is 4.67.
The historical rank and industry rank for NMB Finl's EV-to-OCF or its related term are showing as below:
NMBF'
s EV-to-OCF Range Over the Past 10 Years
Min: -81.54 Med: -4.77 Max: 40.74
Current: 4.67
During the past 8 years, the highest EV-to-OCF of NMB Finl was 40.74. The lowest was -81.54. And the median was -4.77.
NMBF's EV-to-OCF is ranked worse than 52.78% of 1493
companies
in the Banks industry
Industry Median: 3.87
vs NMBF: 4.67
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.
NMB Finl's share price for today is $20.74.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NMB Finl's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.720.
* 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.
NMB Finl EV-to-OCF Related Terms
NMB Finl EV-to-OCF Historical Data
* Premium members only.
The historical data trend for NMB Finl'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, NMB Finl'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.
NMB Finl EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, NMB Finl's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where NMB Finl's EV-to-OCF falls into.
NMB Finl's current Enterprise Value is $44.11 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NMB Finl's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $9.45 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.
NMB Finl (NMBF) has a EV-to-OCF of 4.67 as of Aug. 29, 2026. According to the industry distribution chart, NMB Finl ranks #788 out of 1493 companies in the Banks industry, placing it in the top 52.8%.
Is NMB Finl's EV-to-OCF too high?
NMB Finl's current EV-to-OCF is 4.67. The Banks industry median EV-to-OCF is 3.87. NMB Finl's value of 4.67 is 20.7% above this industry median. Based on the distribution chart, NMB Finl ranks #788 out of 1493 companies in the Banks industry, which is below the industry midpoint. Overall, NMB Finl has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's EV-to-OCF compare to BYLB and OXBC?
According to the Banks industry distribution chart, NMB Finl ranks #788 out of 1493 companies for EV-to-OCF. This places NMB Finl in the lower half of its industry. The industry median EV-to-OCF is 3.87. NMB Finl's value of 4.67 is 20.7% above this benchmark. 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 3.87, based on 1,493 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. NMB Finl's current EV-to-OCF of 4.67 is 20.7% 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 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Finl's current EV-to-OCF is 4.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.71, compared to a current price of $20.74 — trading 41% above its estimated fair value. The current EV-to-OCF is 4.67 and 20.7% above the Banks industry median of 3.87. NMB Finl's overall GF Score™ is 64/100 with 4 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 NMB Finl (NMBF), the current EV-to-OCF is 4.67 as of Aug. 29, 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 NMB Finl (NMBF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued.
The current stock price of $20.74 is trading 41% above its estimated GF Value™ of $14.71.
GuruFocus considers NMB Finl to be Significantly Overvalued.
Key valuation signals for NMBF:
EV-to-OCF: 4.67
GF Value™: $14.71 vs. price of $20.74 (41% above fair value)
Industry Position: 20.7% above the Banks median (#788 of 1493)
No single metric tells the full story. See the NMBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
64GF 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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