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CCCB BancorpCCYY 47 EV-to-FCF is 49.76 as of Jul. 31, 2026, which is 625% above its 10-year median of 6.86. GuruFocus rates CCYY with a GF Score™ of 47/100 and a GF Value™ of $6.92 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,191 Banks companies, CCCB Bancorp ranks worse than 93.12% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, CCCB Bancorp's Enterprise Value is $21.40 Mil.
CCCB Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $0.43 Mil. Therefore, CCCB Bancorp's EV-to-FCF for today is 49.76.
The historical rank and industry rank for CCCB Bancorp's EV-to-FCF or its related term are showing as below:
CCYY'
s EV-to-FCF Range Over the Past 10 Years
Min: 2.5 Med: 6.86 Max: 5838.68
Current: 49.76
During the past 7 years, the highest EV-to-FCF of CCCB Bancorp was 5838.68. The lowest was 2.50. And the median was 6.86.
CCYY's EV-to-FCF is ranked worse than 93.12% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs CCYY: 49.76
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.
CCCB Bancorp's PE Ratio (TTM) for today is calculated as:
CCCB Bancorp's share price for today is $10.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. CCCB Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.520.
* 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.
CCCB Bancorp EV-to-FCF Related Terms
CCCB Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for CCCB Bancorp'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, CCCB Bancorp'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.
CCCB Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, CCCB Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where CCCB Bancorp's EV-to-FCF falls into.
CCCB Bancorp's current Enterprise Value is $21.40 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. CCCB Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $0.43 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.
CCCB Bancorp (CCYY) has a EV-to-FCF of 49.76 as of Jul. 31, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CCCB Bancorp and its competitors. This is 625% above median its historical median of 6.86. Over the past decade, CCCB Bancorp's EV-to-FCF has ranged from 2.50 to 5,838.68. According to the industry distribution chart, CCCB Bancorp ranks #1109 out of 1191 companies in the Banks industry, placing it in the top 93.1%.
Is CCCB Bancorp's EV-to-FCF too high?
CCCB Bancorp's current EV-to-FCF of 49.76 is 625% above median its 10-year median of 6.86. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 5,838.68. The Banks industry median EV-to-FCF is 7.15. CCCB Bancorp's value of 49.76 is 595.9% above this industry median. Based on the distribution chart, CCCB Bancorp ranks #1109 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CCCB Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CCCB Bancorp's EV-to-FCF compare to CRZY and TCNB?
According to the Banks industry distribution chart, CCCB Bancorp ranks #1109 out of 1191 companies for EV-to-FCF. This places CCCB Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.15. CCCB Bancorp's value of 49.76 is 595.9% above this benchmark. Historically, CCCB Bancorp's own EV-to-FCF has ranged from 2.50 to 5,838.68 over the past decade. While the company's 10-year median is 6.86 vs. the industry median of 7.15, CCCB Bancorp 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 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. CCCB Bancorp's current EV-to-FCF of 49.76 is 595.9% 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-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 CCCB Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CCCB Bancorp's current EV-to-FCF is 49.76, which is 625% above median its own 10-year median of 6.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CCCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CCCB Bancorp (CCYY) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.92, compared to a current price of $10.50 — trading 51.7% above its estimated fair value. The current EV-to-FCF is 49.76, which is 625% above median its 10-year median of 6.86 and 595.9% above the Banks industry median of 7.15. CCCB Bancorp's overall GF Score™ is 47/100 with 7 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 CCCB Bancorp (CCYY), the current EV-to-FCF is 49.76 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 CCCB Bancorp (CCYY) Overvalued in 2026?
Based on GuruFocus' analysis, CCCB Bancorp stock appears to be overvalued.
The current stock price of $10.50 is trading 51.7% above its estimated GF Value™ of $6.92.
GuruFocus considers CCCB Bancorp to be Significantly Overvalued.
Key valuation signals for CCYY:
EV-to-FCF: 49.76 (625% above median its 10-year median of 6.86)
GF Value™: $6.92 vs. price of $10.50 (51.7% above fair value)
Industry Position: 595.9% above the Banks median (#1109 of 1191)
No single metric tells the full story. See the CCYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CCCB Bancorp Inc is a banking company that provides financial services through its offices in Clarion County, Venango County, and Erie County. Its services include personal banking, business banking, and e-banking. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial real estate, commercial, and consumer loans.
47GF Score
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