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FFWFFWC +0.10%51 EV-to-FCF is 10.00 as of Jul. 31, 2026, which is 111% above its 10-year median of 4.74. GuruFocus rates FFWC with a GF Score™ of 51/100 and a GF Value™ of $47.23 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,191 Banks companies, FFW ranks worse than 58.86% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FFW's Enterprise Value is $55.88 Mil.
FFW's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2025 was $5.59 Mil. Therefore, FFW's EV-to-FCF for today is 10.00.
The historical rank and industry rank for FFW's EV-to-FCF or its related term are showing as below:
FFWC'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.38 Med: 4.74 Max: 10.23
Current: 10
During the past 13 years, the highest EV-to-FCF of FFW was 10.23. The lowest was -2.38. And the median was 4.74.
FFWC's EV-to-FCF is ranked worse than 58.86% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs FFWC: 10.00
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 (2026-07-31), FFW's stock price is $52.35.
FFW's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.010. Therefore, FFW's PE Ratio (TTM) for today is 10.45.
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.
FFW's share price for today is $52.35.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FFW's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.010.
* 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.
FFW EV-to-FCF Related Terms
FFW EV-to-FCF Historical Data
* Premium members only.
The historical data trend for FFW'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, FFW'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.
FFW EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, FFW's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where FFW's EV-to-FCF falls into.
FFW's current Enterprise Value is $55.88 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FFW's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2025 was $5.59 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.
FFW (FFWC) has a EV-to-FCF of 10.00 as of Jul. 31, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FFW and its competitors. This is 111% above median its historical median of 4.74. According to the industry distribution chart, FFW ranks #701 out of 1191 companies in the Banks industry, placing it in the top 58.9%.
Is FFW's EV-to-FCF too high?
FFW's current EV-to-FCF of 10.00 is 111% above median its 10-year median of 4.74. The Banks industry median EV-to-FCF is 7.15. FFW's value of 10.00 is 39.9% above this industry median. Based on the distribution chart, FFW ranks #701 out of 1191 companies in the Banks industry, which is below the industry midpoint. Overall, FFW has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FFW's EV-to-FCF compare to OSBK and BKFL?
According to the Banks industry distribution chart, FFW ranks #701 out of 1191 companies for EV-to-FCF. This places FFW in the lower half of its industry. The industry median EV-to-FCF is 7.15. FFW's value of 10.00 is 39.9% above this benchmark. While the company's 10-year median is 4.74 vs. the industry median of 7.15, FFW 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. FFW's current EV-to-FCF of 10.00 is 39.9% 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 FFW 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. FFW's current EV-to-FCF is 10.00, which is 111% above median its own 10-year median of 4.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFW stock overvalued right now?
Based on GuruFocus' analysis, FFW (FFWC) is currently considered Modestly Overvalued. The stock's GF Value™ is $47.23, compared to a current price of $52.35 — trading 10.8% above its estimated fair value. The current EV-to-FCF is 10.00, which is 111% above median its 10-year median of 4.74 and 39.9% above the Banks industry median of 7.15. FFW's overall GF Score™ is 51/100 with 6 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 FFW (FFWC), the current EV-to-FCF is 10.00 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 FFW (FFWC) Overvalued in 2026?
Based on GuruFocus' analysis, FFW stock appears to be overvalued.
The current stock price of $52.35 is trading 10.8% above its estimated GF Value™ of $47.23.
GuruFocus considers FFW to be Modestly Overvalued.
Key valuation signals for FFWC:
EV-to-FCF: 10.00 (111% above median its 10-year median of 4.74)
GF Value™: $47.23 vs. price of $52.35 (10.8% above fair value)
Industry Position: 39.9% above the Banks median (#701 of 1191)
No single metric tells the full story. See the FFWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FFW Corp operates in the United States provides various financial products and services. The company offers various deposit services, digital banking, savings loans, mortgage loans, business loans, and insurance services. It earns its revenue from interest and dividends earned on loans, investment securities, and other financial securities. Its main office in Wabash and six Indiana banking centers located in Columbia City, North Manchester, Peru, South Whitley, Syracuse and Warsaw.
51GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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