First US BancsharesFRA:UNE +0.79%52 EV-to-FCF is 3.69 as of Jun. 30, 2026, which is 30% above its 10-year median of 2.83. GuruFocus rates FRA:UNE with a GF Score™ of 52/100 and a GF Value™ of €9.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, First US Bancshares ranks better than 63.21% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First US Bancshares's Enterprise Value is €34.96 Mil.
First US Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €9.47 Mil. Therefore, First US Bancshares's EV-to-FCF for today is 3.69.
The historical rank and industry rank for First US Bancshares's EV-to-FCF or its related term are showing as below:
FRA:UNE'
s EV-to-FCF Range Over the Past 10 Years
Min: -176.64 Med: 2.83 Max: 324.35
Current: 3.53
During the past 13 years, the highest EV-to-FCF of First US Bancshares was 324.35. The lowest was -176.64. And the median was 2.83.
FRA:UNE's EV-to-FCF is ranked better than 63.21% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs FRA:UNE: 3.53
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 US Bancshares (FRA:UNE) 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 US Bancshares's PE Ratio (TTM) for today is calculated as:
First US Bancshares's share price for today is €12.80.
First US Bancshares'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 €0.891.
* 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 US Bancshares EV-to-FCF Related Terms
First US Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for First US Bancshares'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, First US Bancshares'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 US Bancshares EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First US Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First US Bancshares's EV-to-FCF falls into.
First US Bancshares's current Enterprise Value is €34.96 Mil.
First US Bancshares'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 €9.47 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 US Bancshares (FRA:UNE) has a EV-to-FCF of 3.69 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First US Bancshares and its competitors. This is 30% above median its historical median of 2.83. According to the industry distribution chart, First US Bancshares ranks #440 out of 1196 companies in the Banks industry, placing it in the top 36.8%.
Is First US Bancshares' EV-to-FCF too high?
First US Bancshares' current EV-to-FCF of 3.69 is 30% above median its 10-year median of 2.83. The Banks industry median EV-to-FCF is 6.55. First US Bancshares' value of 3.69 is 43.6% below this industry median. Based on the distribution chart, First US Bancshares ranks #440 out of 1196 companies in the Banks industry, which is above the industry midpoint. Overall, First US Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First US Bancshares' EV-to-FCF compare to SSBI and CBKM?
According to the Banks industry distribution chart, First US Bancshares ranks #440 out of 1196 companies for EV-to-FCF. This puts First US Bancshares in the upper half of its industry. The industry median EV-to-FCF is 6.55. First US Bancshares' value of 3.69 is 43.6% below this benchmark. While the company's 10-year median is 2.83 vs. the industry median of 6.55, First US Bancshares 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 6.55, based on 1,196 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 US Bancshares's current EV-to-FCF of 3.69 is 43.6% 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 US Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First US Bancshares's current EV-to-FCF is 3.69, which is 30% above median its own 10-year median of 2.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First US Bancshares stock overvalued right now?
Based on GuruFocus' analysis, First US Bancshares (FRA:UNE) is currently considered Significantly Overvalued. The stock's GF Value™ is €9.67, compared to a current price of €12.80 — trading 32.4% above its estimated fair value. The current EV-to-FCF is 3.69, which is 30% above median its 10-year median of 2.83 and 43.6% below the Banks industry median of 6.55. First US Bancshares' overall GF Score™ is 52/100 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 First US Bancshares (FRA:UNE), the current EV-to-FCF is 3.69 as of Jun. 30, 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 US Bancshares (FRA:UNE) Overvalued in 2026?
Based on GuruFocus' analysis, First US Bancshares stock appears to be overvalued.
The current stock price of €12.80 is trading 32.4% above its estimated GF Value™ of €9.67.
GuruFocus considers First US Bancshares to be Significantly Overvalued.
Key valuation signals for FRA:UNE:
EV-to-FCF: 3.69 (30% above median its 10-year median of 2.83)
GF Value™: €9.67 vs. price of €12.80 (32.4% above fair value)
Industry Position: 43.6% below the Banks median (#440 of 1196)
No single metric tells the full story. See the FRA:UNE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First US Bancshares Inc is a bank holding company. The Bank conducts general commercial banking business and offers banking services such as demand, savings, individual retirement accounts, and time deposits, personal and commercial loans, safe deposit box services, and remote deposit capture. The Bank provides a range of commercial banking services to small and medium-sized businesses, property managers, business executives, professionals, and other individuals.
52GF Score
Get the complete analysis for FRA:UNE
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:UNE has been successfully added to your 
