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BEO Bancorp ORBEOB 72 EV-to-FCF is 3.96 as of Sep. 16, 2026, which is 83% above its 10-year median of 2.16. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,178 Banks companies, BEO Bancorp OR ranks better than 65.03% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, BEO Bancorp OR's Enterprise Value is $57.95 Mil.
BEO Bancorp OR's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $14.63 Mil. Therefore, BEO Bancorp OR's EV-to-FCF for today is 3.96.
The historical rank and industry rank for BEO Bancorp OR's EV-to-FCF or its related term are showing as below:
BEOB'
s EV-to-FCF Range Over the Past 10 Years
Min: -25.63 Med: 2.16 Max: 8.71
Current: 3.96
During the past 11 years, the highest EV-to-FCF of BEO Bancorp OR was 8.71. The lowest was -25.63. And the median was 2.16.
BEOB's EV-to-FCF is ranked better than 65.03% of 1178
companies
in the Banks industry
Industry Median: 7.43
vs BEOB: 3.96
EV-to-FCF 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-FCF 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.
BEO Bancorp OR's PE Ratio (TTM) for today is calculated as:
BEO Bancorp OR's share price for today is $64.49.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. BEO Bancorp OR's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $6.601.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
BEO Bancorp OR EV-to-FCF Related Terms
BEO Bancorp OR EV-to-FCF Historical Data
* Premium members only.
The historical data trend for BEO Bancorp OR's EV-to-FCF 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, BEO Bancorp OR's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
BEO Bancorp OR EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR's EV-to-FCF falls into.
BEO Bancorp OR's current Enterprise Value is $57.95 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. BEO Bancorp OR's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $14.63 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.
BEO Bancorp OR (BEOB) has a EV-to-FCF of 3.96 as of Sep. 16, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BEO Bancorp OR and its competitors. This is 83% above median its historical median of 2.16. According to the industry distribution chart, BEO Bancorp OR ranks #412 out of 1178 companies in the Banks industry, placing it in the top 35%.
Is BEO Bancorp OR's EV-to-FCF too high?
BEO Bancorp OR's current EV-to-FCF of 3.96 is 83% above median its 10-year median of 2.16. The Banks industry median EV-to-FCF is 7.43. BEO Bancorp OR's value of 3.96 is 46.7% below this industry median. Based on the distribution chart, BEO Bancorp OR ranks #412 out of 1178 companies in the Banks industry, which is above the industry midpoint. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's EV-to-FCF compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #412 out of 1178 companies for EV-to-FCF. This puts BEO Bancorp OR in the upper half of its industry. The industry median EV-to-FCF is 7.43. BEO Bancorp OR's value of 3.96 is 46.7% below this benchmark. While the company's 10-year median is 2.16 vs. the industry median of 7.43, BEO Bancorp OR has consistently been below 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.43, based on 1,178 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BEO Bancorp OR's current EV-to-FCF of 3.96 is 46.7% below 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BEO Bancorp OR and its competitors. For the Banks industry, the median EV-to-FCF is 7.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BEO Bancorp OR's current EV-to-FCF is 3.96, which is 83% above median its own 10-year median of 2.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current EV-to-FCF is 3.96, which is 83% above median its 10-year median of 2.16 and 46.7% below the Banks industry median of 7.43. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For BEO Bancorp OR (BEOB), the current EV-to-FCF is 3.96 as of Sep. 16, 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 BEO Bancorp OR (BEOB) Overvalued in 2026?
Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued.
The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11.
GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.
Key valuation signals for BEOB:
EV-to-FCF: 3.96 (83% above median its 10-year median of 2.16)
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 46.7% below the Banks median (#412 of 1178)
No single metric tells the full story. See the BEOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score
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