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Keweenaw FinancialKEFI 40 EV-to-FCF is 3.28 as of Jul. 14, 2026, which is 76% below its 10-year median of 13.58. GuruFocus rates KEFI with a GF Score™ of 40/100 and a GF Value™ of $95.40 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,199 Banks companies, Keweenaw Financial ranks better than 64.97% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Keweenaw Financial's Enterprise Value is $27.19 Mil.
Keweenaw Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $8.29 Mil. Therefore, Keweenaw Financial's EV-to-FCF for today is 3.28.
The historical rank and industry rank for Keweenaw Financial's EV-to-FCF or its related term are showing as below:
KEFI'
s EV-to-FCF Range Over the Past 10 Years
Min: 2.42 Med: 13.58 Max: 30.3
Current: 3.28
During the past 5 years, the highest EV-to-FCF of Keweenaw Financial was 30.30. The lowest was 2.42. And the median was 13.58.
KEFI's EV-to-FCF is ranked better than 64.97% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs KEFI: 3.28
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.
Keweenaw Financial's PE Ratio (TTM) for today is calculated as:
Keweenaw Financial's share price for today is $48.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Keweenaw Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $8.290.
* 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.
Keweenaw Financial EV-to-FCF Related Terms
Keweenaw Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Keweenaw 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.
Keweenaw Financial EV-to-FCF Chart
Keweenaw Financial Annual Data
Trend
Dec21
Dec22
Dec23
Dec24
Dec25
EV-to-FCF
4.85
14.61
12.04
30.22
4.25
Keweenaw Financial Semi-Annual Data
Dec21
Dec22
Dec23
Dec24
Dec25
EV-to-FCF
0.00
14.61
12.04
30.22
4.25
KEFI vs CIZN, MBKL, OSBK: EV-to-FCF Comparison
For the Banks - Regional subindustry, Keweenaw 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.
Keweenaw Financial EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Keweenaw Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Keweenaw Financial's EV-to-FCF falls into.
Keweenaw Financial's current Enterprise Value is $27.19 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Keweenaw Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $8.29 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.
Keweenaw Financial (KEFI) has a EV-to-FCF of 3.28 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Keweenaw Financial and its competitors. This is 76% below median its historical median of 13.58. Over the past decade, Keweenaw Financial's EV-to-FCF has ranged from 2.42 to 30.30. According to the industry distribution chart, Keweenaw Financial ranks #420 out of 1199 companies in the Banks industry, placing it in the top 35%.
Is Keweenaw Financial's EV-to-FCF too high?
Keweenaw Financial's current EV-to-FCF of 3.28 is 76% below median its 10-year median of 13.58. Over the past 10 years, this metric has ranged from a low of 2.42 to a high of 30.30. The Banks industry median EV-to-FCF is 6.57. Keweenaw Financial's value of 3.28 is 50.1% below this industry median. Based on the distribution chart, Keweenaw Financial ranks #420 out of 1199 companies in the Banks industry, which is above the industry midpoint. Overall, Keweenaw Financial has a GF Score™ of 40/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Keweenaw Financial's EV-to-FCF compare to CIZN and MBKL?
According to the Banks industry distribution chart, Keweenaw Financial ranks #420 out of 1199 companies for EV-to-FCF. This puts Keweenaw Financial in the upper half of its industry. The industry median EV-to-FCF is 6.57. Keweenaw Financial's value of 3.28 is 50.1% below this benchmark. Historically, Keweenaw Financial's own EV-to-FCF has ranged from 2.42 to 30.30 over the past decade. While the company's 10-year median is 13.58 vs. the industry median of 6.57, Keweenaw Financial 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 1,199 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. Keweenaw Financial's current EV-to-FCF of 3.28 is 50.1% 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 Keweenaw 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. Keweenaw Financial's current EV-to-FCF is 3.28, which is 76% below median its own 10-year median of 13.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keweenaw Financial stock overvalued right now?
Based on GuruFocus' analysis, Keweenaw Financial (KEFI) is currently considered Significantly Undervalued. The stock's GF Value™ is $95.40, compared to a current price of $48.00 — trading 49.7% below its estimated fair value. The current EV-to-FCF is 3.28, which is 76% below median its 10-year median of 13.58 and 50.1% below the Banks industry median of 6.57. Keweenaw Financial's overall GF Score™ is 40/100 with 1 warning sign 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 Keweenaw Financial (KEFI), the current EV-to-FCF is 3.28 as of Jul. 14, 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 Keweenaw Financial (KEFI) Overvalued in 2026?
Based on GuruFocus' analysis, Keweenaw Financial stock appears to be undervalued.
The current stock price of $48.00 is trading 49.7% below its estimated GF Value™ of $95.40.
GuruFocus considers Keweenaw Financial to be Significantly Undervalued.
Key valuation signals for KEFI:
EV-to-FCF: 3.28 (76% below median its 10-year median of 13.58)
GF Value™: $95.40 vs. price of $48.00 (49.7% below fair value)
Industry Position: 50.1% below the Banks median (#420 of 1199)
No single metric tells the full story. See the KEFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Keweenaw Financial Corp provides a range of financial and trust services to individual and corporate customers. The Bank offers traditional banking products and services, including ATMs, online and telephone banking, and automated bill payment, along with commercial, real estate, and consumer lending. Its offerings also include various loan products, deposit accounts, online and mobile banking, investment management, retirement planning, credit and debit cards, safe deposit boxes, and other related financial services.
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