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Redwood FinancialREDW -5.24%63 EV-to-OCF is 20.79 as of Jul. 31, 2026, which is 116% above its 10-year median of 9.62. GuruFocus rates REDW with a GF Score™ of 63/100 and a GF Value™ of $190.51 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,500 Banks companies, Redwood Financial ranks worse than 87% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Redwood Financial's Enterprise Value is $93.63 Mil.
Redwood Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $4.50 Mil. Therefore, Redwood Financial's EV-to-OCF for today is 20.79.
The historical rank and industry rank for Redwood Financial's EV-to-OCF or its related term are showing as below:
REDW'
s EV-to-OCF Range Over the Past 10 Years
Min: 5.85 Med: 9.62 Max: 25.75
Current: 20.79
During the past 7 years, the highest EV-to-OCF of Redwood Financial was 25.75. The lowest was 5.85. And the median was 9.62.
REDW's EV-to-OCF is ranked worse than 87% of 1500
companies
in the Banks industry
Industry Median: 3.975
vs REDW: 20.79
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.
Redwood Financial's PE Ratio (TTM) for today is calculated as:
Redwood Financial's share price for today is $185.25.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Redwood Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $13.120.
* 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.
Redwood Financial EV-to-OCF Related Terms
Redwood Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Redwood 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, Redwood 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.
Redwood Financial EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Redwood Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Redwood Financial's EV-to-OCF falls into.
Redwood Financial's current Enterprise Value is $93.63 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Redwood Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $4.50 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.
Redwood Financial (REDW) has a EV-to-OCF of 20.79 as of Jul. 31, 2026. This is 116% above median its historical median of 9.62. Over the past decade, Redwood Financial's EV-to-OCF has ranged from 5.85 to 25.75. According to the industry distribution chart, Redwood Financial ranks #1305 out of 1500 companies in the Banks industry, placing it in the top 87%.
Is Redwood Financial's EV-to-OCF too high?
Redwood Financial's current EV-to-OCF of 20.79 is 116% above median its 10-year median of 9.62. Over the past 10 years, this metric has ranged from a low of 5.85 to a high of 25.75. The Banks industry median EV-to-OCF is 3.98. Redwood Financial's value of 20.79 is 423% above this industry median. Based on the distribution chart, Redwood Financial ranks #1305 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Redwood Financial has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Redwood Financial's EV-to-OCF compare to FSEA and PBKX?
According to the Banks industry distribution chart, Redwood Financial ranks #1305 out of 1500 companies for EV-to-OCF. This places Redwood Financial in the lower half of its industry. The industry median EV-to-OCF is 3.98. Redwood Financial's value of 20.79 is 423% above this benchmark. Historically, Redwood Financial's own EV-to-OCF has ranged from 5.85 to 25.75 over the past decade. While the company's 10-year median is 9.62 vs. the industry median of 3.98, Redwood 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 3.98, based on 1,500 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. Redwood Financial's current EV-to-OCF of 20.79 is 423% 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 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Redwood Financial's current EV-to-OCF is 20.79, which is 116% above median its own 10-year median of 9.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Redwood Financial stock overvalued right now?
Based on GuruFocus' analysis, Redwood Financial (REDW) is currently considered Fairly Valued. The stock's GF Value™ is $190.51, compared to a current price of $185.25 — trading 2.8% below its estimated fair value. The current EV-to-OCF is 20.79, which is 116% above median its 10-year median of 9.62 and 423% above the Banks industry median of 3.98. Redwood Financial's overall GF Score™ is 63/100 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 Redwood Financial (REDW), the current EV-to-OCF is 20.79 as of Jul. 31, 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 Redwood Financial (REDW) Overvalued in 2026?
Based on GuruFocus' analysis, Redwood Financial stock appears to be undervalued.
The current stock price of $185.25 is trading 2.8% below its estimated GF Value™ of $190.51.
GuruFocus considers Redwood Financial to be Fairly Valued.
Key valuation signals for REDW:
EV-to-OCF: 20.79 (116% above median its 10-year median of 9.62)
GF Value™: $190.51 vs. price of $185.25 (2.8% below fair value)
Industry Position: 423% above the Banks median (#1305 of 1500)
No single metric tells the full story. See the REDW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Redwood Financial Inc is a state-chartered bank. The Bank provides a variety of financial services to the areas of south central and south western Minnesota, and the south metropolitan area, including mortgage, commercial, agricultural, and consumer lending products and various deposit and savings plans.
63GF Score
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