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What is First Carolina Financial Services EV-to-FCF?
First Carolina Financial ServicesFCBM 10 EV-to-FCF is 20.68 as of Sep. 14, 2026, which is 61% above its 10-year median of 12.87. GuruFocus rates FCBM with a GF Score™ of 10/100. Among 1,189 Banks companies, First Carolina Financial Services ranks worse than 83.35% on this metric.
FCBM'
s EV-to-FCF Range Over the Past 10 Years
Min: 7 Med: 12.87 Max: 21.2
Current: 20.68
During the past 3 years, the highest EV-to-FCF of First Carolina Financial Services was 21.20. The lowest was 7.00. And the median was 12.87.
FCBM's EV-to-FCF is ranked worse than 83.35% of 1189
companies
in the Banks industry
Industry Median: 7.16
vs FCBM: 20.68
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.
First Carolina Financial Services (NYSE:FCBM) 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.
First Carolina Financial Services's PE Ratio (TTM) for today is calculated as:
First Carolina Financial Services's share price for today is $12.93.
First Carolina Financial Services'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 $0.395.
* 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.
First Carolina Financial Services EV-to-FCF Related Terms
First Carolina Financial Services EV-to-FCF Historical Data
* 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, First Carolina Financial Services'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.
First Carolina Financial Services EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Carolina Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Carolina Financial Services's EV-to-FCF falls into.
First Carolina Financial Services's current Enterprise Value is $396.39 Mil.
First Carolina Financial Services'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 $19.17 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.
First Carolina Financial Services (FCBM) has a EV-to-FCF of 20.68 as of Sep. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Carolina Financial Services and its competitors. This is 61% above median its historical median of 12.87. Over the past decade, First Carolina Financial Services' EV-to-FCF has ranged from 7.00 to 21.20. According to the industry distribution chart, First Carolina Financial Services ranks #991 out of 1189 companies in the Banks industry, placing it in the top 83.3%.
Is First Carolina Financial Services' EV-to-FCF too high?
First Carolina Financial Services' current EV-to-FCF of 20.68 is 61% above median its 10-year median of 12.87. Over the past 10 years, this metric has ranged from a low of 7.00 to a high of 21.20. The Banks industry median EV-to-FCF is 7.16. First Carolina Financial Services' value of 20.68 is 188.8% above this industry median. Based on the distribution chart, First Carolina Financial Services ranks #991 out of 1189 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Carolina Financial Services has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does First Carolina Financial Services' EV-to-FCF compare to CHMG and FNLC?
According to the Banks industry distribution chart, First Carolina Financial Services ranks #991 out of 1189 companies for EV-to-FCF. This places First Carolina Financial Services in the lower half of its industry. The industry median EV-to-FCF is 7.16. First Carolina Financial Services' value of 20.68 is 188.8% above this benchmark. Historically, First Carolina Financial Services' own EV-to-FCF has ranged from 7.00 to 21.20 over the past decade. While the company's 10-year median is 12.87 vs. the industry median of 7.16, First Carolina Financial Services 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 7.16, based on 1,189 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. First Carolina Financial Services's current EV-to-FCF of 20.68 is 188.8% 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 First Carolina Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 7.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Carolina Financial Services's current EV-to-FCF is 20.68, which is 61% above median its own 10-year median of 12.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Carolina Financial Services stock overvalued right now?
First Carolina Financial Services (FCBM) has a current EV-to-FCF of 20.68. The current EV-to-FCF is 20.68, which is 61% above median its 10-year median of 12.87 and 188.8% above the Banks industry median of 7.16. First Carolina Financial Services' overall GF Score™ is 10/100. 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 First Carolina Financial Services (FCBM), the current EV-to-FCF is 20.68 as of Sep. 14, 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.
First Carolina Financial Services Inc is a bank holding company. The company's activities consist of managing and owning the Bank and its direct and indirect subsidiaries. The Bank provides commercial banking, payment, consumer banking, and wealth management services to small and medium-sized businesses, individuals, professionals, as well as institutions of higher education. It has four primary lines of business: Commercial Banking, Payments, Consumer Banking and Wealth Management. The reportable segments are Community Banking and BM Tech. The majority of revenue is derived from the Community Banking segment, which comprises activities of a traditional banking institution, gathering deposits and originating loans for portfolio in its respective primary market areas.
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