IBW FinancialIBWC +1.05%51 EV-to-FCF is 52.61 as of Jun. 24, 2026, which is 365% above its 10-year median of 11.31. GuruFocus rates IBWC with a GF Score™ of 51/100 and a GF Value™ of $29.18 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,191 Banks companies, IBW Financial ranks worse than 94.04% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, IBW Financial's Enterprise Value is $129.37 Mil.
IBW Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.46 Mil. Therefore, IBW Financial's EV-to-FCF for today is 52.61.
The historical rank and industry rank for IBW Financial's EV-to-FCF or its related term are showing as below:
IBWC'
s EV-to-FCF Range Over the Past 10 Years
Min: -143.56 Med: 11.31 Max: 52.61
Current: 52.61
During the past 12 years, the highest EV-to-FCF of IBW Financial was 52.61. The lowest was -143.56. And the median was 11.31.
IBWC's EV-to-FCF is ranked worse than 94.04% of 1191
companies
in the Banks industry
Industry Median: 6.56
vs IBWC: 52.61
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.
IBW Financial's PE Ratio (TTM) for today is calculated as:
IBW Financial's share price for today is $48.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. IBW Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $-2.060.
* 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.
IBW Financial EV-to-FCF Related Terms
IBW Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for IBW 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, IBW 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.
IBW Financial EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, IBW Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where IBW Financial's EV-to-FCF falls into.
IBW Financial's current Enterprise Value is $129.37 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. IBW Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.46 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.
IBW Financial (IBWC) has a EV-to-FCF of 52.61 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on IBW Financial and its competitors. This is 365% above median its historical median of 11.31. According to the industry distribution chart, IBW Financial ranks #1120 out of 1191 companies in the Banks industry, placing it in the top 94%.
Is IBW Financial's EV-to-FCF too high?
IBW Financial's current EV-to-FCF of 52.61 is 365% above median its 10-year median of 11.31. The Banks industry median EV-to-FCF is 6.56. IBW Financial's value of 52.61 is 702% above this industry median. Based on the distribution chart, IBW Financial ranks #1120 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, IBW Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's EV-to-FCF compare to CDAB and CNBZ?
According to the Banks industry distribution chart, IBW Financial ranks #1120 out of 1191 companies for EV-to-FCF. This places IBW Financial in the lower half of its industry. The industry median EV-to-FCF is 6.56. IBW Financial's value of 52.61 is 702% above this benchmark. While the company's 10-year median is 11.31 vs. the industry median of 6.56, IBW Financial 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 1,191 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. IBW Financial's current EV-to-FCF of 52.61 is 702% 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 IBW Financial 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. IBW Financial's current EV-to-FCF is 52.61, which is 365% above median its own 10-year median of 11.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.18, compared to a current price of $48.00 — trading 64.5% above its estimated fair value. The current EV-to-FCF is 52.61, which is 365% above median its 10-year median of 11.31 and 702% above the Banks industry median of 6.56. IBW Financial's overall GF Score™ is 51/100 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 IBW Financial (IBWC), the current EV-to-FCF is 52.61 as of Jun. 24, 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 IBW Financial (IBWC) Overvalued in 2026?
Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued.
The current stock price of $48.00 is trading 64.5% above its estimated GF Value™ of $29.18.
GuruFocus considers IBW Financial to be Significantly Overvalued.
Key valuation signals for IBWC:
EV-to-FCF: 52.61 (365% above median its 10-year median of 11.31)
GF Value™: $29.18 vs. price of $48.00 (64.5% above fair value)
Industry Position: 702% above the Banks median (#1120 of 1191)
No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
51GF Score
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