Hamlin Bank and Trust CoHMLN 71 EV-to-FCF is 16.62 as of Jun. 29, 2026, which is 23% above its 10-year median of 13.52. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.02 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,196 Banks companies, Hamlin Bank and Trust Co ranks worse than 79.01% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Hamlin Bank and Trust Co's Enterprise Value is $62.25 Mil.
Hamlin Bank and Trust Co's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $3.75 Mil. Therefore, Hamlin Bank and Trust Co's EV-to-FCF for today is 16.62.
The historical rank and industry rank for Hamlin Bank and Trust Co's EV-to-FCF or its related term are showing as below:
HMLN'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.91 Med: 13.52 Max: 40.61
Current: 16.62
During the past 12 years, the highest EV-to-FCF of Hamlin Bank and Trust Co was 40.61. The lowest was 0.91. And the median was 13.52.
HMLN's EV-to-FCF is ranked worse than 79.01% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs HMLN: 16.62
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.
Hamlin Bank and Trust Co (OTCPK:HMLN) 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.
Hamlin Bank and Trust Co's PE Ratio (TTM) for today is calculated as:
Hamlin Bank and Trust Co's share price for today is $240.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hamlin Bank and Trust Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $19.230.
* 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.
Hamlin Bank and Trust Co EV-to-FCF Related Terms
Hamlin Bank and Trust Co 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, Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co's EV-to-FCF falls into.
Hamlin Bank and Trust Co's current Enterprise Value is $62.25 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hamlin Bank and Trust Co's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $3.75 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.
Hamlin Bank and Trust Co (HMLN) has a EV-to-FCF of 16.62 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hamlin Bank and Trust Co and its competitors. This is 23% above median its historical median of 13.52. Over the past decade, Hamlin Bank and Trust Co's EV-to-FCF has ranged from 0.91 to 40.61. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #945 out of 1196 companies in the Banks industry, placing it in the top 79%.
Is Hamlin Bank and Trust Co's EV-to-FCF too high?
Hamlin Bank and Trust Co's current EV-to-FCF of 16.62 is 23% above median its 10-year median of 13.52. Over the past 10 years, this metric has ranged from a low of 0.91 to a high of 40.61. The Banks industry median EV-to-FCF is 6.56. Hamlin Bank and Trust Co's value of 16.62 is 153.5% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #945 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's EV-to-FCF compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #945 out of 1196 companies for EV-to-FCF. This places Hamlin Bank and Trust Co in the lower half of its industry. The industry median EV-to-FCF is 6.56. Hamlin Bank and Trust Co's value of 16.62 is 153.5% above this benchmark. Historically, Hamlin Bank and Trust Co's own EV-to-FCF has ranged from 0.91 to 40.61 over the past decade. While the company's 10-year median is 13.52 vs. the industry median of 6.56, Hamlin Bank and Trust Co 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 6.56, 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. Hamlin Bank and Trust Co's current EV-to-FCF of 16.62 is 153.5% 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 Hamlin Bank and Trust Co and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current EV-to-FCF is 16.62, which is 23% above median its own 10-year median of 13.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.02, compared to a current price of $240.00 — trading 12.1% below its estimated fair value. The current EV-to-FCF is 16.62, which is 23% above median its 10-year median of 13.52 and 153.5% above the Banks industry median of 6.56. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 3 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 Hamlin Bank and Trust Co (HMLN), the current EV-to-FCF is 16.62 as of Jun. 29, 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.1% below its estimated GF Value™ of $273.02.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
EV-to-FCF: 16.62 (23% above median its 10-year median of 13.52)
GF Value™: $273.02 vs. price of $240.00 (12.1% below fair value)
Industry Position: 153.5% above the Banks median (#945 of 1196)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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