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Empire BancsharesEBSH 52 EV-to-FCF is 8.55 as of Aug. 02, 2026, which is 3% above its 10-year median of 8.29. GuruFocus rates EBSH with a GF Score™ of 52/100 and a GF Value™ of $23.52 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,200 Banks companies, Empire Bancshares ranks worse than 54.58% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Empire Bancshares's Enterprise Value is $11.44 Mil.
Empire Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.34 Mil. Therefore, Empire Bancshares's EV-to-FCF for today is 8.55.
The historical rank and industry rank for Empire Bancshares's EV-to-FCF or its related term are showing as below:
EBSH'
s EV-to-FCF Range Over the Past 10 Years
Min: -6.09 Med: 8.29 Max: 72.19
Current: 8.55
During the past 7 years, the highest EV-to-FCF of Empire Bancshares was 72.19. The lowest was -6.09. And the median was 8.29.
EBSH's EV-to-FCF is ranked worse than 54.58% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs EBSH: 8.55
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.
Empire Bancshares's PE Ratio (TTM) for today is calculated as:
Empire Bancshares's share price for today is $41.627.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Empire Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.190.
* 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.
Empire Bancshares EV-to-FCF Related Terms
Empire Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Empire 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.
For the Banks - Regional subindustry, Empire 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.
Empire Bancshares EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Empire Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Empire Bancshares's EV-to-FCF falls into.
Empire Bancshares's current Enterprise Value is $11.44 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Empire Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.34 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.
Empire Bancshares (EBSH) has a EV-to-FCF of 8.55 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Empire Bancshares and its competitors. This is near median its historical median of 8.29. According to the industry distribution chart, Empire Bancshares ranks #655 out of 1200 companies in the Banks industry, placing it in the top 54.6%.
Is Empire Bancshares' EV-to-FCF too high?
Empire Bancshares' current EV-to-FCF of 8.55 is near median its 10-year median of 8.29. The Banks industry median EV-to-FCF is 7.22. Empire Bancshares' value of 8.55 is 18.4% above this industry median. Based on the distribution chart, Empire Bancshares ranks #655 out of 1200 companies in the Banks industry, which is below the industry midpoint. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' EV-to-FCF compare to GWBK and MNBO?
According to the Banks industry distribution chart, Empire Bancshares ranks #655 out of 1200 companies for EV-to-FCF. This places Empire Bancshares in the lower half of its industry. The industry median EV-to-FCF is 7.22. Empire Bancshares' value of 8.55 is 18.4% above this benchmark. While the company's 10-year median is 8.29 vs. the industry median of 7.22, Empire Bancshares 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 7.22, based on 1,200 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. Empire Bancshares's current EV-to-FCF of 8.55 is 18.4% 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 Empire Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Empire Bancshares's current EV-to-FCF is 8.55, which is near median its own 10-year median of 8.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.52, compared to a current price of $41.63 — trading 77% above its estimated fair value. The current EV-to-FCF is 8.55, which is near median its 10-year median of 8.29 and 18.4% above the Banks industry median of 7.22. Empire Bancshares' overall GF Score™ is 52/100 with 5 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 Empire Bancshares (EBSH), the current EV-to-FCF is 8.55 as of Aug. 02, 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 Empire Bancshares (EBSH) Overvalued in 2026?
Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued.
The current stock price of $41.63 is trading 77% above its estimated GF Value™ of $23.52.
GuruFocus considers Empire Bancshares to be Significantly Overvalued.
Key valuation signals for EBSH:
EV-to-FCF: 8.55 (near median its 10-year median of 8.29)
GF Value™: $23.52 vs. price of $41.63 (77% above fair value)
Industry Position: 18.4% above the Banks median (#655 of 1200)
No single metric tells the full story. See the EBSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF Score
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