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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First National of Nebraska's Enterprise Value is $5,607 Mil.
First National of Nebraska's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1,037 Mil. Therefore, First National of Nebraska's EV-to-FCF for today is 5.41.
The historical rank and industry rank for First National of Nebraska's EV-to-FCF or its related term are showing as below:
FINN'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.28 Med: 3.58 Max: 5.83
Current: 5.41
During the past 11 years, the highest EV-to-FCF of First National of Nebraska was 5.83. The lowest was -0.28. And the median was 3.58.
FINN's EV-to-FCF is ranked better than 55.92% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs FINN: 5.41
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 National of Nebraska (OTCPK:FINN) 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 National of Nebraska's PE Ratio (TTM) for today is calculated as:
First National of Nebraska's share price for today is $18800.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First National of Nebraska's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1966.000.
* 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 National of Nebraska EV-to-FCF Related Terms
First National of Nebraska 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 National of Nebraska'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 National of Nebraska EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First National of Nebraska's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First National of Nebraska's EV-to-FCF falls into.
First National of Nebraska's current Enterprise Value is $5,607 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First National of Nebraska's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1,037 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 National of Nebraska (FINN) has a EV-to-FCF of 5.41 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First National of Nebraska and its competitors. This is 51% above median its historical median of 3.58. According to the industry distribution chart, First National of Nebraska ranks #525 out of 1191 companies in the Banks industry, placing it in the top 44.1%.
Is First National of Nebraska's EV-to-FCF too high?
First National of Nebraska's current EV-to-FCF of 5.41 is 51% above median its 10-year median of 3.58. The Banks industry median EV-to-FCF is 7.15. First National of Nebraska's value of 5.41 is 24.3% below this industry median. Based on the distribution chart, First National of Nebraska ranks #525 out of 1191 companies in the Banks industry, which is above the industry midpoint. Overall, First National of Nebraska has a GF Score™ of 15/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First National of Nebraska's EV-to-FCF compare to TFSL and EBC?
According to the Banks industry distribution chart, First National of Nebraska ranks #525 out of 1191 companies for EV-to-FCF. This puts First National of Nebraska in the upper half of its industry. The industry median EV-to-FCF is 7.15. First National of Nebraska's value of 5.41 is 24.3% below this benchmark. While the company's 10-year median is 3.58 vs. the industry median of 7.15, First National of Nebraska has consistently been below 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. First National of Nebraska's current EV-to-FCF of 5.41 is 24.3% below 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 National of Nebraska 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. First National of Nebraska's current EV-to-FCF is 5.41, which is 51% above median its own 10-year median of 3.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National of Nebraska stock overvalued right now?
Based on GuruFocus' analysis, First National of Nebraska (FINN) is currently considered Modestly Overvalued. The stock's GF Value™ is $15,644.92, compared to a current price of $18,800.00 — trading 20.2% above its estimated fair value. The current EV-to-FCF is 5.41, which is 51% above median its 10-year median of 3.58 and 24.3% below the Banks industry median of 7.15. First National of Nebraska's overall GF Score™ is 15/100 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 First National of Nebraska (FINN), the current EV-to-FCF is 5.41 as of Aug. 01, 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 First National of Nebraska (FINN) Overvalued in 2026?
Based on GuruFocus' analysis, First National of Nebraska stock appears to be overvalued.
The current stock price of $18,800.00 is trading 20.2% above its estimated GF Value™ of $15,644.92.
GuruFocus considers First National of Nebraska to be Modestly Overvalued.
Key valuation signals for FINN:
EV-to-FCF: 5.41 (51% above median its 10-year median of 3.58)
GF Value™: $15,644.92 vs. price of $18,800.00 (20.2% above fair value)
Industry Position: 24.3% below the Banks median (#525 of 1191)
No single metric tells the full story. See the FINN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First National of Nebraska Inc is a Nebraska-based interstate financial holding company operated by its banking subsidiary. Additionally, the Company has nonbanking subsidiaries engaged in various businesses, including technology hosting and related activities. The Bank's primary objective is to enhance the financial well-being of its customers through a customer-centric business model focused on providing financial advice and guidance and relevant financial solutions. The Bank supports its business customers with real estate, commercial, and agriculture loans as well as cash and wealth management solutions.
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