EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Waterstone Financial's Enterprise Value is €628.1 Mil.
Waterstone Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €-4.9 Mil. Therefore, Waterstone Financial's EV-to-FCF for today is -127.25.
The historical rank and industry rank for Waterstone Financial's EV-to-FCF or its related term are showing as below:
FRA:47Z'
s EV-to-FCF Range Over the Past 10 Years
Min: -245.78 Med: 6.47 Max: 357.65
Current: -140.57
During the past 13 years, the highest EV-to-FCF of Waterstone Financial was 357.65. The lowest was -245.78. And the median was 6.47.
FRA:47Z's EV-to-FCF is ranked worse than 100% of 1191
companies
in the Banks industry
Industry Median: 6.57
vs FRA:47Z: -140.57
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.
Waterstone Financial's PE Ratio (TTM) for today is calculated as:
Waterstone Financial's share price for today is €16.50.
Waterstone Financial'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 €1.426.
* 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.
Waterstone Financial EV-to-FCF Related Terms
Waterstone Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Waterstone Financial'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, Waterstone Financial'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.
Waterstone Financial EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's EV-to-FCF falls into.
Waterstone Financial's current Enterprise Value is €628.1 Mil.
Waterstone Financial'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 €-4.9 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.
Waterstone Financial (FRA:47Z) has a EV-to-FCF of -127.25 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Waterstone Financial and its competitors. According to the industry distribution chart, Waterstone Financial ranks #999999 out of 1191 companies in the Banks industry.
Is Waterstone Financial's EV-to-FCF too high?
Waterstone Financial's current EV-to-FCF is -127.25. Based on the distribution chart, Waterstone Financial ranks #999999 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Waterstone Financial has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Waterstone Financial's EV-to-FCF compare to USCB and MVBF?
According to the Banks industry distribution chart, Waterstone Financial ranks #999999 out of 1191 companies for EV-to-FCF. This places Waterstone Financial in the lower half of its industry. The industry median EV-to-FCF is 6.57. 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 1,191 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. 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 Waterstone Financial 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. Waterstone Financial's current EV-to-FCF is -127.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Waterstone Financial stock overvalued right now?
Based on GuruFocus' analysis, Waterstone Financial (FRA:47Z) is currently considered Modestly Overvalued. The stock's GF Value™ is €14.42, compared to a current price of €16.50 — trading 14.4% above its estimated fair value. The current EV-to-FCF is -127.25. Waterstone Financial's overall GF Score™ is 56/100 with 7 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 Waterstone Financial (FRA:47Z), the current EV-to-FCF is -127.25 as of Jul. 09, 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 Waterstone Financial (FRA:47Z) Overvalued in 2026?
Based on GuruFocus' analysis, Waterstone Financial stock appears to be overvalued.
The current stock price of €16.50 is trading 14.4% above its estimated GF Value™ of €14.42.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for FRA:47Z:
EV-to-FCF: -127.25
GF Value™: €14.42 vs. price of €16.50 (14.4% above fair value)
No single metric tells the full story. See the FRA:47Z stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Waterstone Financial Inc is a holding company. Through its subsidiaries, it operates in two reportable segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services to customers, which include various types of loans, deposits, and personal investment services. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. The majority of its revenue comes from the Community Banking segment.
56GF 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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