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.
Patria BankBSE:PBK +0.36%38 EV-to-FCF is 1.28 as of Jul. 16, 2026, which is 9% above its 10-year median of 1.17. GuruFocus rates BSE:PBK with a GF Score™ of 38/100 and a GF Value™ of lei0.10 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,193 Banks companies, Patria Bank ranks better than 74.94% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Patria Bank's Enterprise Value is lei423.1 Mil.
Patria Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was lei331.7 Mil. Therefore, Patria Bank's EV-to-FCF for today is 1.28.
The historical rank and industry rank for Patria Bank's EV-to-FCF or its related term are showing as below:
BSE:PBK'
s EV-to-FCF Range Over the Past 10 Years
Min: -9.69 Med: 1.17 Max: 65.85
Current: 1.29
During the past 13 years, the highest EV-to-FCF of Patria Bank was 65.85. The lowest was -9.69. And the median was 1.17.
BSE:PBK's EV-to-FCF is ranked better than 74.94% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs BSE:PBK: 1.29
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.
Patria Bank's PE Ratio (TTM) for today is calculated as:
Patria Bank's share price for today is lei0.139.
Patria Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was lei0.015.
* 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.
Patria Bank EV-to-FCF Related Terms
Patria Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Patria Bank'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, Patria Bank'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.
Patria Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Patria Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Patria Bank's EV-to-FCF falls into.
Patria Bank's current Enterprise Value is lei423.1 Mil.
Patria Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was lei331.7 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.
Patria Bank (BSE:PBK) has a EV-to-FCF of 1.28 as of Jul. 16, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Patria Bank and its competitors. This is near median its historical median of 1.17. According to the industry distribution chart, Patria Bank ranks #299 out of 1193 companies in the Banks industry, placing it in the top 25.1%.
Is Patria Bank's EV-to-FCF too high?
Patria Bank's current EV-to-FCF of 1.28 is near median its 10-year median of 1.17. The Banks industry median EV-to-FCF is 6.65. Patria Bank's value of 1.28 is 80.8% below this industry median. Based on the distribution chart, Patria Bank ranks #299 out of 1193 companies in the Banks industry, which is above the industry midpoint. Overall, Patria Bank has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Patria Bank's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Patria Bank ranks #299 out of 1193 companies for EV-to-FCF. This puts Patria Bank in the upper half of its industry. The industry median EV-to-FCF is 6.65. Patria Bank's value of 1.28 is 80.8% below this benchmark. While the company's 10-year median is 1.17 vs. the industry median of 6.65, Patria Bank 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 6.65, based on 1,193 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. Patria Bank's current EV-to-FCF of 1.28 is 80.8% 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 Patria Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patria Bank's current EV-to-FCF is 1.28, which is near median its own 10-year median of 1.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Patria Bank stock overvalued right now?
Based on GuruFocus' analysis, Patria Bank (BSE:PBK) is currently considered Significantly Overvalued. The stock's GF Value™ is lei0.10, compared to a current price of lei0.14 — trading 39% above its estimated fair value. The current EV-to-FCF is 1.28, which is near median its 10-year median of 1.17 and 80.8% below the Banks industry median of 6.65. Patria Bank's overall GF Score™ is 38/100 with 6 warning signs 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 Patria Bank (BSE:PBK), the current EV-to-FCF is 1.28 as of Jul. 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 Patria Bank (BSE:PBK) Overvalued in 2026?
Based on GuruFocus' analysis, Patria Bank stock appears to be overvalued.
The current stock price of lei0.14 is trading 39% above its estimated GF Value™ of lei0.10.
GuruFocus considers Patria Bank to be Significantly Overvalued.
Key valuation signals for BSE:PBK:
EV-to-FCF: 1.28 (near median its 10-year median of 1.17)
GF Value™: lei0.10 vs. price of lei0.14 (39% above fair value)
Industry Position: 80.8% below the Banks median (#299 of 1193)
No single metric tells the full story. See the BSE:PBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Patria Bank SA provides the whole range of banking services for individuals and legal entities, including deposits, cash management, lending and foreign exchange operations. It provides traditional banking services and products, including payment orders, documentary transactions and issuance of letters of credit and guarantees. The company carries out its activity in Romania.
38GF Score
Get the complete analysis for BSE:PBK
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSE:PBK has been successfully added to your 
