CHBH (Croghan Bancshares) EV-to-FCF: (As of Aug. 01, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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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.

CHBH Croghan Bancshares Inc CHBH
57 GF Score
Price $68.40
GF Value $61.51
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Croghan Bancshares EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Croghan Bancshares's Enterprise Value is $164.73 Mil. Croghan Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, Croghan Bancshares's EV-to-FCF for today is .

The historical rank and industry rank for Croghan Bancshares's EV-to-FCF or its related term are showing as below:

CHBH' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 12.64
Current: 12.64

During the past 13 years, the highest EV-to-FCF of Croghan Bancshares was 12.64. The lowest was 0.00. And the median was 0.00.

CHBH's EV-to-FCF is ranked worse than
67.34% of 1191 companies
in the Banks industry
Industry Median: 7.15 vs CHBH: 12.64

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.

As of today (2026-08-01), Croghan Bancshares's stock price is $68.40. Croghan Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $7.329. Therefore, Croghan Bancshares's PE Ratio (TTM) for today is 9.33.


Croghan Bancshares  (OTCPK:CHBH) EV-to-FCF Explanation

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.

Croghan Bancshares's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=68.40/7.329
=9.33

Croghan Bancshares's share price for today is $68.40.
Croghan Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.329.

* 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.


Croghan Bancshares EV-to-FCF Related Terms


Croghan Bancshares EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Croghan Bancshares'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.

Croghan Bancshares EV-to-FCF Chart

Croghan Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.56 9.34 8.77 6.75 17.04

Croghan Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 17.04 0.00 0.00

CHBH vs PNBK, LSBK, SFDL: EV-to-FCF Comparison

For the Banks - Regional subindustry, Croghan Bancshares'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.


Croghan Bancshares EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Croghan Bancshares's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Croghan Bancshares's EV-to-FCF falls into.


CHBH
57GF Score
Croghan Bancshares Inc CHBH
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Croghan Bancshares EV-to-FCF Calculation

Croghan Bancshares's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=164.734/0
=

Croghan Bancshares's current Enterprise Value is $164.73 Mil.
Croghan Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 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.

Is Croghan Bancshares (CHBH) Overvalued in 2026?

Based on GuruFocus' analysis, Croghan Bancshares stock appears to be overvalued. The current stock price of $68.40 is trading 11.2% above its estimated GF Value™ of $61.51. GuruFocus considers Croghan Bancshares to be Modestly Overvalued.

Key valuation signals for CHBH:

  • EV-to-FCF:
  • GF Value™: $61.51 vs. price of $68.40 (11.2% above fair value)
  • GF Score™: 57/100 with 4 warning signs

No single metric tells the full story. See the CHBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Croghan Bancshares Business Description

Address 323 Croghan Street, Fremont, OH, USA, 43420
Croghan Bancshares Inc is a financial holding company. The bank offers a diverse range of commercial and retail banking services through its banking centers located in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Milan, Oak Harbor, Oregon, Port Clinton, and Tiffin, Ohio. Its products are comprised of traditional banking services such as consumer, commercial, agricultural and real estate loans, personal and business checking accounts, savings accounts, time deposit accounts, safe deposit box services, and trust department services. The company operates in one industry segment, the commercial banking industry.
57GF Score

Get the complete analysis for CHBH

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$68.40
Price
$61.51
GF Value