Capital BancorpFRA:316 75 EV-to-FCF is 3.61 as of Jul. 07, 2026, which is 13% below its 10-year median of 4.16. GuruFocus rates FRA:316 with a GF Score™ of 75/100 and a GF Value™ of €26.42. The stock has 4 warning signs investors should review. Among 1,195 Banks companies, Capital Bancorp ranks better than 63.93% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Capital Bancorp's Enterprise Value is €203.9 Mil.
Capital Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €56.6 Mil. Therefore, Capital Bancorp's EV-to-FCF for today is 3.61.
The historical rank and industry rank for Capital Bancorp's EV-to-FCF or its related term are showing as below:
FRA:316'
s EV-to-FCF Range Over the Past 10 Years
Min: -23.18 Med: 4.16 Max: 32.37
Current: 3.49
During the past 11 years, the highest EV-to-FCF of Capital Bancorp was 32.37. The lowest was -23.18. And the median was 4.16.
FRA:316's EV-to-FCF is ranked better than 63.93% of 1195
companies
in the Banks industry
Industry Median: 6.57
vs FRA:316: 3.49
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.
Capital Bancorp's PE Ratio (TTM) for today is calculated as:
Capital Bancorp's share price for today is €29.60.
Capital Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.842.
* 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.
Capital Bancorp EV-to-FCF Related Terms
Capital Bancorp EV-to-FCF Historical Data
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The historical data trend for Capital 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.
For the Banks - Regional subindustry, Capital 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.
Capital Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Capital Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Capital Bancorp's EV-to-FCF falls into.
Capital Bancorp's current Enterprise Value is €203.9 Mil.
Capital Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €56.6 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.
Capital Bancorp (FRA:316) has a EV-to-FCF of 3.61 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Capital Bancorp and its competitors. This is 13% below median its historical median of 4.16. According to the industry distribution chart, Capital Bancorp ranks #431 out of 1195 companies in the Banks industry, placing it in the top 36.1%.
Is Capital Bancorp's EV-to-FCF too high?
Capital Bancorp's current EV-to-FCF of 3.61 is 13% below median its 10-year median of 4.16. The Banks industry median EV-to-FCF is 6.57. Capital Bancorp's value of 3.61 is 45.1% below this industry median. Based on the distribution chart, Capital Bancorp ranks #431 out of 1195 companies in the Banks industry, which is above the industry midpoint. Overall, Capital Bancorp has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Capital Bancorp's EV-to-FCF compare to SFST and BWB?
According to the Banks industry distribution chart, Capital Bancorp ranks #431 out of 1195 companies for EV-to-FCF. This puts Capital Bancorp in the upper half of its industry. The industry median EV-to-FCF is 6.57. Capital Bancorp's value of 3.61 is 45.1% below this benchmark. While the company's 10-year median is 4.16 vs. the industry median of 6.57, Capital Bancorp 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 6.57, based on 1,195 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. Capital Bancorp's current EV-to-FCF of 3.61 is 45.1% 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 Capital Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital Bancorp's current EV-to-FCF is 3.61, which is 13% below median its own 10-year median of 4.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital Bancorp stock overvalued right now?
Capital Bancorp (FRA:316) has a current EV-to-FCF of 3.61. The stock's GF Value™ is €26.42, compared to a current price of €29.60 — trading 12% above its estimated fair value. The current EV-to-FCF is 3.61, which is 13% below median its 10-year median of 4.16 and 45.1% below the Banks industry median of 6.57. Capital Bancorp's overall GF Score™ is 75/100 with 4 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 Capital Bancorp (FRA:316), the current EV-to-FCF is 3.61 as of Jul. 07, 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 Capital Bancorp (FRA:316) Overvalued in 2026?
Based on GuruFocus' analysis, Capital Bancorp stock appears to be overvalued.
The current stock price of €29.60 is trading 12% above its estimated GF Value™ of €26.42.
Key valuation signals for FRA:316:
EV-to-FCF: 3.61 (13% below median its 10-year median of 4.16)
GF Value™: €26.42 vs. price of €29.60 (12% above fair value)
Industry Position: 45.1% below the Banks median (#431 of 1195)
No single metric tells the full story. See the FRA:316 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital Bancorp Inc is a bank holding company. The company through its holdings operates as a commercial-focused community bank that serves businesses, not-for-profit associations, and entrepreneurs throughout the region. The bank operates through four divisions including Commercial Banking, Capital Bank Home Loans, OpenSky, and Windsor Advantage. The company generates majority revenue from the Commercial bank sector. Commercial Banking division focuses on providing personalized service to commercial clients throughout the operations supplemented by lending outside primary market as well as engaging in government guaranteed lending on a national basis.
75GF Score
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