FFBB (FFB Bancorp) EV-to-FCF: (As of Aug. 03, 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.

FFBB FFB Bancorp FFBB
79 GF Score
Price $87.76
GF Value $89.12
Valuation Fairly Valued
! 2 Warning Signs
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What is FFB Bancorp EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FFB Bancorp's Enterprise Value is $254.77 Mil. FFB Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, FFB Bancorp's EV-to-FCF for today is .

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

FFBB' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 8.55
Current: 8.55

During the past 13 years, the highest EV-to-FCF of FFB Bancorp was 8.55. The lowest was 0.00. And the median was 0.00.

FFBB's EV-to-FCF is ranked worse than
54.63% of 1199 companies
in the Banks industry
Industry Median: 7.18 vs FFBB: 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.

As of today (2026-08-03), FFB Bancorp's stock price is $87.7625. FFB Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $6.540. Therefore, FFB Bancorp's PE Ratio (TTM) for today is 13.42.


FFB Bancorp  (OTCPK:FFBB) 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.

FFB Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=87.7625/6.540
=13.42

FFB Bancorp's share price for today is $87.7625.
FFB Bancorp'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 $6.540.

* 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.


FFB Bancorp EV-to-FCF Related Terms


FFB Bancorp EV-to-FCF Historical Data

* Premium members only.

The historical data trend for FFB 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.

FFB Bancorp EV-to-FCF Chart

FFB Bancorp 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 9.52 10.36 5.15 8.30 6.49

FFB Bancorp 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 6.49 0.00 0.00

FFBB vs OVLY, CBNA, FRAF: EV-to-FCF Comparison

For the Banks - Regional subindustry, FFB 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.


FFB Bancorp EV-to-FCF vs Banks Industry

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

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


FFBB
79GF Score
FFB Bancorp FFBB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

FFB Bancorp EV-to-FCF Calculation

FFB Bancorp's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=254.768/0
=

FFB Bancorp's current Enterprise Value is $254.77 Mil.
FFB Bancorp'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 FFB Bancorp (FFBB) Overvalued in 2026?

Based on GuruFocus' analysis, FFB Bancorp stock appears to be undervalued. The current stock price of $87.76 is trading 1.5% below its estimated GF Value™ of $89.12. GuruFocus considers FFB Bancorp to be Fairly Valued.

Key valuation signals for FFBB:

  • EV-to-FCF:
  • GF Value™: $89.12 vs. price of $87.76 (1.5% below fair value)
  • GF Score™: 79/100 with 2 warning signs

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


FFB Bancorp Business Description

Address 7690 North Palm Avenue, Fresno, CA, USA, 93711
FFB Bancorp operates as a bank. It provides a full range of banking services such as checking, savings, certificates of deposits, loans and credits, online banking, mobile banking, debit cards, cash management services, and remote deposit capture service. It generates revenue in the form of interest income.
79GF Score

Get the complete analysis for FFBB

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

$87.76
Price
$89.12
GF Value